Lisa sells tote bags on Shopee. Her bestseller is a sleeping cat design, listed at $45. To stay competitive, she throws in a $5 discount. After costs, she figures she should be keeping around $38 per bag.
But when the Shopee payout comes in, it’s $32.15.
She checks the breakdown. Commission: $4.36. Promo Xtra service fee: $2.18. Transaction fee: $1.31. That’s $7.85 per bag gone before the money even reaches her bank.
If you’ve ever looked at your Shopee payout and thought “that doesn’t add up,” you’re not alone. Shopee’s fee structure stacks commission, transaction fees, and optional programme charges on top of each other. And when you total them up, the number can be a lot larger than you expected.
We built a free Shopee Fees Calculator so you can plug in your own product details and see exactly what you keep. But before you try it, let’s walk through four worked examples across different product categories and price points.
Updated 14 September 2026: every example below now uses the commission rates Shopee introduced on 28 August 2026. Coins Cashback is now called the Promo Xtra Programme.
A Quick Recap: How Shopee Fees Stack Up
If you want the full deep dive into Shopee’s current fee structure and how it’s changed over the years, we covered that in detail in this post. But here’s the short version.
Every Shopee sale in Singapore has up to three fee layers:
- Commission fee — ranges from 6.54% to 17.44% depending on your product category, whether you’re a Mall or non-Mall seller, and whether you’ve joined the Promo Xtra Programme. Electronics, and furniture, bathroom and bedding, are capped ($60 for non-Mall, $120 for Mall), but most other categories have no cap at all.
- Transaction fee — a flat 3.27% on every sale, regardless of category or seller type.
- Promo Xtra service fee — if you’ve joined the Promo Xtra Programme (formerly Coins Cashback), you get a lower commission rate but pay a service fee of 3.27% or 5.45% depending on category, capped at $60. On Double-Digit, 15th and 25th campaign orders it rises to 4.36% or 6.54%, capped at $70.
All of these are calculated on the gross settlement amount — which is the purchase value (what the buyer actually pays) plus any Shopee-sponsored vouchers.
New sellers get 120 days with no commission, plus a 30-day waiver on the Promo Xtra service fee if they join. During the commission-free period, you only pay the transaction fee plus any service fees. Once it’s over, the full fee structure kicks in.
Now let’s see what this actually looks like in dollars and cents.
Example 1: Fashion Accessories Seller — $45 Tote Bag
Let’s use Lisa’s sleeping cat tote bag as our first example and lay out the full fee breakdown.
Seller profile: Non-Mall seller, joined the Promo Xtra Programme. Sells handmade tote bags and accessories.
| Detail | Amount |
|---|---|
| Listing price | $45.00 |
| Seller discount | -$5.00 |
| Purchase value (what buyer pays) | $40.00 |
| Gross settlement | $40.00 |
Here’s how the fees break down:
| Fee | Rate | Amount |
|---|---|---|
| Commission | 10.90% | $4.36 |
| Promo Xtra service fee | 5.45% | $2.18 |
| Transaction fee | 3.27% | $1.31 |
| Total fees | 19.62% | $7.85 |
| Your payout | $32.15 |
On a $45 listing with a $5 discount, you keep $32.15. The platform takes $7.85 per item, roughly one-fifth of the purchase value.
If you sell 50 of these a month, that’s $392.50 going to Shopee in fees every month. Over a year, that’s about $4,710.
Example 2: Electronics Seller — $450 Phone Accessory Bundle
Seller profile: Non-Mall seller, Promo Xtra participant. Sells phone accessories and gadget bundles in the Mobile & Gadgets category.
This category has an important detail: the commission fee is capped at $60 for non-Mall sellers (it was $30 before 28 August 2026). That means once your commission calculation exceeds $60, it stops there. This benefits higher-ticket items.
| Detail | Amount |
|---|---|
| Listing price | $450.00 |
| No discount | — |
| Purchase value | $450.00 |
| Gross settlement | $450.00 |
| Fee | Rate | Amount |
|---|---|---|
| Commission | 8.72% (capped at $60) | $39.24 |
| Promo Xtra service fee | 3.27% (capped at $60) | $14.72 |
| Transaction fee | 3.27% | $14.72 |
| Total fees | 15.26% | $68.68 |
| Your payout | $381.32 |
At $450, this bundle doesn’t reach the cap. With the cap now at $60, commission only stops growing on items priced above about $688.
Also worth noting: in this specific category (Mobile Phones and Tablets), the Promo Xtra service fee is 3.27%, not the 5.45% you see in most other categories. That lower rate, plus the lower 8.72% commission, means electronics sellers get a slightly better deal on fees overall.
Still, $68.68 in fees on a single sale adds up. If you’re selling 15 of these a month, that’s about $1,030 per month going to fees.
Takeaway: the commission cap helps, but it only kicks in for items priced above roughly $688 in this category. The service fee stops at $60, but the transaction fee keeps scaling with no ceiling.
Example 3: Baby Products Seller — $25 Item, High Volume
Seller profile: Non-Mall seller, Promo Xtra participant. Sells baby care products (Diapering & Potty / Milk Formula category). High volume — about 200 orders a month.
This is where the maths gets uncomfortable. Small item price, same percentage fees.
| Detail | Amount |
|---|---|
| Listing price | $25.00 |
| No discount | — |
| Purchase value | $25.00 |
| Gross settlement | $25.00 |
| Fee | Rate | Amount |
|---|---|---|
| Commission | 8.72% | $2.18 |
| Promo Xtra service fee | 3.27% (capped at $60) | $0.82 |
| Transaction fee | 3.27% | $0.82 |
| Total fees | 15.26% | $3.82 |
| Your payout | $21.18 |
$3.54 per item doesn’t sound like much. But at 200 orders a month:
| Monthly metric | Amount |
|---|---|
| Gross revenue | $5,000 |
| Total Shopee fees | $764.00 |
| Your actual payout | $4,236.00 |
That’s $764 a month (about $9,168 a year) in platform fees. For a seller, that’s a solid chunk of inventory investment.
Like Example 2, this baby products category also gets the lower 3.27% Promo Xtra service fee. But with no commission cap in this category, every single $25 order gets the full percentage treatment.
Example 4: Mall Seller — $90 Skincare Product
Seller profile: Shopee Mall seller, Promo Xtra participant. Sells skincare products.
Mall sellers get higher visibility and a “preferred” badge, but they pay for it. The commission rates for Mall sellers are significantly higher.
| Detail | Amount |
|---|---|
| Listing price | $90.00 |
| Seller discount | -$10.00 |
| Purchase value | $80.00 |
| Gross settlement | $80.00 |
| Fee | Rate | Amount |
|---|---|---|
| Commission | 14.17% | $11.34 |
| Promo Xtra service fee | 5.45% (capped at $60) | $4.36 |
| Transaction fee | 3.27% | $2.62 |
| Total fees | 22.89% | $18.32 |
| Your payout | $61.68 |
Nearly 23% of the purchase value goes to Shopee. On a product listed at $90 with a $10 discount, the seller receives $61.68.
If this seller moves 80 units a month, that’s about $1,466 in monthly fees (about $17,587 per year).
Notice the commission rate here is 14.17% for a Mall seller on Promo Xtra. If this seller left the programme, their commission would jump to 17.44%, but the 5.45% service fee would go, so total fees would drop to $16.57. What they’d give up is the platform vouchers, Flash Sale access and campaign exposure that come with Promo Xtra. It’s a trade-off that’s hard to escape either way.
What Happens If You Sell the Same Products on Your Own Store?
Now let’s compare what you’d keep on Shopee versus selling on your own WooCommerce store with PayNow as the payment method.
On your own store, PayNow has zero transaction fees. The money goes straight from your customer’s bank to yours. Your only fixed cost is hosting, which typically runs $15–$50 a month.
| Example | You keep on Shopee | You keep with PayNow |
|---|---|---|
| Tote bag ($40 purchase) | $32.15 | $40.00 |
| Electronics bundle ($450) | $381.32 | $450.00 |
| Baby products ($25) | $21.18 | $25.00 |
| Mall skincare ($80 purchase) | $61.68 | $80.00 |
And when you multiply by monthly volume, the savings add up quickly:
| Example | Monthly volume | Shopee fees/month |
|---|---|---|
| Tote bag | 50 items | $393 |
| Electronics bundle | 15 items | $1,030 |
| Baby products | 200 items | $764 |
| Mall skincare | 80 items | $1,466 |
Even the smallest seller here (50 tote bags at $45 each) would save about $393 a month (about $4,710 a year) by processing those same PayNow orders through their own site.
The Mall skincare seller? Over $17,500 a year in fees on Shopee alone.
Of course, your own store doesn’t come with Shopee’s built-in traffic. You’ll need to invest time (and possibly some ad spend) to bring customers to your site. But every dollar you spend on marketing your own store builds your brand and your customer list. On Shopee, every dollar spent on ads benefits Shopee’s ecosystem first.
Many sellers run both channels in parallel: Shopee for discovery and volume, their own store for repeat customers and better margins. If you’re thinking about that move, we’ve written about whether you still need your own website when you’re already on Shopee and how to choose between Shopify and WooCommerce for your setup.
Run Your Own Numbers
The examples above use standard fee rates, but your actual costs will depend on your specific product category, seller type, and which programmes you’ve joined. Commission rates vary quite a bit between categories, and Shopee updates them regularly. The last change took effect on 28 August 2026.
That’s why we built the Shopee Fees Calculator. Plug in your listing price, discounts, seller type, and product category. It will show you exactly what Shopee takes and what you actually receive. It also shows a side-by-side comparison with what you’d keep if you sold the same item on your own WooCommerce store with PayNow.
Give it a try and see what numbers you get!
