Shopify Basic Payments vs. Mercury Treasury & ACH Invoicing — Interactive Cost & Performance Calculator
Compare Shopify Basic Payments vs Mercury Treasury & ACH Invoicing side-by-side. Use our interactive calculator to estimate exact monthly costs, savings, and performance trade-offs at your scale.
Shopify Basic Payments
Best for: Physical + digital storefronts with Shop Pay 1-click
Mercury Treasury & ACH Invoicing
Best for: B2B SaaS contracts, agency retainers & zero-fee founder banking
Side-by-Side Technical & Commercial Breakdown: Shopify Basic Payments vs. Mercury Treasury & ACH Invoicing
| Dimension | Shopify Basic Payments | Mercury Treasury & ACH Invoicing |
|---|---|---|
| Platform | Shopify | Mercury |
| Base Percentage Fee | 2.9% | 0% |
| Fixed Fee per Order | $0.30 | $0.00 |
| International Card Surcharge | +1.5% | +0% |
| Merchant of Record (Global VAT/Tax) | Automated reporting (+$39/mo base) | B2B ACH / Wire ($250 Signup Bonus) |
| Payout Schedule | 1–3 business days | Same-day ACH / Instant Wire |
| Best Use Case | Physical + digital storefronts with Shop Pay 1-click | B2B SaaS contracts, agency retainers & zero-fee founder banking |
Frequently Asked Questions
Which is more cost-effective in 2026: Shopify Basic Payments or Mercury Treasury & ACH Invoicing?
It depends on your workload volume. Use the interactive sliders above to model your exact monthly scale. Shopify Basic Payments (Physical + digital storefronts with Shop Pay 1-click) and Mercury Treasury & ACH Invoicing (B2B SaaS contracts, agency retainers & zero-fee founder banking) have different unit economics that cross over as volume scales.
When should an engineering team choose Shopify Basic Payments over Mercury Treasury & ACH Invoicing?
Choose Shopify Basic Payments when your primary priority is: Physical + digital storefronts with Shop Pay 1-click. Choose Mercury Treasury & ACH Invoicing when you prioritize: B2B SaaS contracts, agency retainers & zero-fee founder banking.