Shopify Payments also handles in-person payments through Shopify card reader – these fees are a bit lower than for online payments. There is no 20p charge added to the percentage rate for transactions on credit card terminals like you see with online payments.
If you use a different card reader than Shopify’s own model, transactions will just be marked as complete in the system and no Shopify transaction fee will be charged. You will, of course, have to pay transaction costs to the other payment provider in this case.
If you deactivate Shopify Payments and instead use another payment gateway for online transactions, Shopify will charge a 2% transaction fee on Basic Shopify, 1% on Shopify or 0.5% on Advanced Shopify. This is in addition to the transaction costs paid to the external payment provider.
There is a selection of free website templates, but most cost a one-off price ranging between $100-$180 each (most of them are $140-$180).