Shopify vs WooCommerce: Costs, Card Fees and Ownership Compared
Shopify or WooCommerce? UK plan prices, card fees worked out at two sales volumes, upkeep, flexibility and ownership, in plain English.
Paul Fletcher · 19 Oct 2026
Development
An ecommerce website costs about £3,000 to £15,000 plus transaction fees. What drives the price, the costs people miss, and whether you need a checkout.
An ecommerce website in the UK typically costs between about £3,000 and £15,000 to build, plus transaction fees on every sale and roughly £20 to £100 a month to run. A small shop on a hosted platform can start far lower, at a few hundred pounds plus a monthly fee.
The spread is wider than for a normal website because “a shop” hides an enormous amount of variation. Twelve products with one postage rate and four hundred products with trade pricing are not the same job. This sets out what moves the number.
| Route | Build cost | Ongoing | Suits |
|---|---|---|---|
| Hosted platform, set up yourself | £0 plus your time | From about £25 a month plus fees | Testing an idea, small catalogue |
| Hosted platform, built for you | £1,000 to £4,000 | Platform fee plus transaction fees | Straightforward shops that want it done properly |
| WooCommerce on WordPress | £3,000 to £10,000 | £20 to £60 a month hosting | Most UK small business shops |
| Complex or bespoke shop | £10,000 upwards | Varies | Trade pricing, part exchange, unusual stock rules |
The ongoing column is the one people forget. On a hosted platform you pay a monthly fee plus a cut of each sale. On WooCommerce the software is free and you pay hosting plus payment processing. Neither is automatically cheaper, and which wins depends almost entirely on your turnover. We work through the numbers at two sales volumes in Shopify vs WooCommerce.
Not page count. These are the things that genuinely change the number.
That last point is worth pausing on. Anything storing customer accounts or card details should be built correctly at the start, even if it delays the pretty part, because changing how it handles data after real people have signed up means moving live customer records rather than editing a page.
This is the question we ask most often and the one people least expect from a web designer.
If you sell a small number of high value items, a full checkout can be the wrong answer. Someone spending several thousand pounds usually wants a conversation first, and an enquiry form often converts better than a buy button while costing far less to build.
We do say this to people who are ready to pay us for the bigger build. A vintage watch dealer came to us in September wanting a full shop. After looking at his stock and his margins, we told him to start with a catalogue on his own site and point purchases at the marketplace he already sells through, and to add a checkout later if the catalogue proved it was worth it. That was the cheaper answer and it was the right one. It is covered in more detail in landing page optimisation.
Conversely, if you sell many low value items, a checkout is not optional and the automation around it is where the value sits.
| Hosted platform | WooCommerce | |
|---|---|---|
| Getting started | Faster | More setup |
| Monthly cost | Platform fee, often plus a sales cut | Hosting only |
| Unusual requirements | Often a higher tier, or you cannot | Generally possible |
| Ownership | You rent the platform | You own the site |
| Maintenance | Handled for you | Yours or someone else’s |
We build on WooCommerce, so weigh that accordingly. The reason is that shops tend to grow into awkward requirements, and on a hosted platform the answer at that point is often a higher tier or simply no. We built CW Watches a shop with a private stock room so he can list a watch from his phone with photos, a price and a stock number and have it live in under a minute, then enter a tracking number on sale and have the customer emailed automatically. That is the kind of thing you reach WooCommerce for.
If your shop is genuinely simple and you want it handled, a hosted platform is a perfectly sensible purchase. The comparison between the underlying platforms is in Squarespace vs WordPress.
The bands are our own, from quoting shop builds and from prices clients have shown us from elsewhere. Transaction fee ranges are typical UK rates and are approximate, so check the current figures with whichever provider you use rather than taking ours as exact.
The section on what drives price up comes from building shops with genuinely awkward requirements, and the advice about skipping the checkout comes from telling people not to buy one.
Budget roughly £3,000 to £15,000 for a UK ecommerce build, or less for a simple hosted shop, plus transaction fees and about £20 to £100 a month running costs. Price is driven by products, variants, postage rules and integrations, not by page count. Model the transaction fees before choosing a platform, and ask honestly whether you need a checkout at all.
For the wider picture, see how much a website costs in the UK and website development cost. If you want a real number for your own shop, tell us what you sell and we will come back the same working day.
Typically £3,000 to £15,000 to build, plus transaction fees on every sale and roughly £20 to £100 a month to run. A simple shop on a hosted platform can start much lower, at a few hundred pounds plus a monthly fee, if the catalogue and postage rules are straightforward.
Product count and variants, unusual pricing like trade accounts or part exchange, complex postage rules, integrations with accounting or stock systems, and whether customers have accounts. Page count barely matters. A shirt in five sizes and four colours is twenty combinations to manage.
Hosting or a platform fee, payment processing of commonly around 1.5% to 3% plus a small fixed fee per transaction, and maintenance. On real turnover the transaction fees are usually far larger than the build cost, so model them before choosing a platform.
It depends on turnover. WooCommerce software is free and you pay hosting plus payment processing. Hosted platforms charge a monthly fee and often a cut of each sale. Hosted is faster to start; WooCommerce handles unusual requirements better and you own the site.
Not always. If you sell a small number of high value items, an enquiry form often converts better than a buy button and costs far less to build, because someone spending thousands usually wants a conversation first. If you sell many low value items, a checkout is not optional.
A simple shop can be a few weeks. Larger catalogues take longer, and the delay is rarely the build. Product photography and writing descriptions are usually what holds a shop project up, because forty products means forty pieces of writing.
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