Shopify vs WooCommerce for Malta Shops: Costs and Fees

Websites · Online shops

Shopify vs WooCommerce
for shops in Malta.

Both platforms work for a business in Malta. This guide compares them side by side, explains payments and fees, lists every running cost, covers the Malta points both leave to you, and has a free calculator for your own numbers.

Illustration comparing two online shop dashboards side by side with a running cost chart and card fee figures

Short answer

Choose Shopify if you want a quick, low-maintenance shop with hosting and checkout handled for a monthly fee, and use Shopify Payments to avoid its extra fee of up to 2% per sale. Choose WooCommerce if you already run WordPress, need custom features or want full control, and have someone to keep it updated. We build on either as part of our website design packages.

Key takeaways

  • Is Shopify or WooCommerce better for a small business in Malta? Shopify is better if you want a quick, low-maintenance shop and will use Shopify Payments. WooCommerce is better if you already run WordPress, need custom features, or want full control of code and data and have someone to maintain it.
  • Can I use Shopify Payments in Malta? Yes. Shopify’s help centre lists Malta as a supported country for Shopify Payments, subject to its checks on your business and documents.
  • Does Shopify charge extra if I use Stripe or PayPal? Yes. If you do not use Shopify Payments, Shopify adds a third-party transaction fee of 2% on Basic, 1% on Grow, 0.6% on Advanced and 0.2% on Plus, on top of the provider’s own fees.

The short version

Shopify or WooCommerce: the quick answer.

Choose Shopify if you want a shop that is quick to launch and easy to run, with hosting, security and checkout handled for you for a monthly fee. Choose WooCommerce if you already run WordPress, need custom pricing, B2B rules or bookings, or want full control of your code and data, and you have someone to keep it updated.

Both work for a business in Malta. Shopify lists Malta as a supported country for Shopify Payments, and WooCommerce’s own payment service, WooPayments, lists Malta too, alongside Stripe and PayPal. So the choice is not about whether you can take cards. It is about who runs the platform, what it costs over a few years and how much you need to change.

Shopify suits you if

  • You want to run the shop, not a server
  • Your catalogue is fairly standard
  • You are happy to pay a monthly plan
  • You will use Shopify Payments

WooCommerce suits you if

  • You already have a WordPress site
  • You need custom pricing, B2B or bookings
  • You want full control of code and data
  • Someone will keep it updated
When Shopify fits and when WooCommerce fits, for a small shop in Malta.

This guide compares the two side by side, explains payments and the extra fee Shopify adds if you use another provider, lists every cost to count, has a free calculator for your own numbers, and covers the Malta points both platforms leave to you. Whichever you pick, the shop is part of the wider plan in our website design for Malta businesses.

The market

Selling online is normal for Malta businesses.

Businesses in Malta sell online far more than the EU average. In Eurostat’s 2025 survey of enterprises with ten or more staff, 30.5% of Malta businesses made web sales through their own website or app, against 17.7% across the EU. Selling through marketplaces was much closer to the EU level, at 10.7% in Malta and 9.3% in the EU.

Businesses selling online, 2025Eurostat isoc_ec_esels, 2025, enterprises with 10 or more persons employed. Web sales via own website or app: Malta 30.5%, EU 17.7%. Any web sales: Malta 32.9%, EU 20.7%. Web sales via marketplaces: Malta 10.7%, EU 9.3%.Businesses selling online, 2025MaltaEU averageSell through ownwebsite or app30.5%17.7%Any websales32.9%20.7%Sell throughmarketplaces10.7%9.3%
Enterprises with 10 or more persons employed making web sales, Malta and the EU, 2025. Source: Eurostat, E-commerce sales of enterprises by size class (isoc_ec_esels).

In other words, Malta businesses prefer their own shop to a marketplace. That makes the platform decision more important here, because your own shop carries your brand, your customer list and your margins. Getting the platform wrong usually shows up a year later, as a pile of monthly app fees on one side or a slow, unpatched site on the other.

Shoppers are demanding too. Eurostat’s 2025 figures show that people in Malta who bought online met more problems than the EU average, from slow delivery to sites that are hard to use. Our product page checklist shows how to prevent those on either platform, and our guide to e-commerce websites in Malta covers the rest of the shop.

Side by side

Shopify and WooCommerce compared.

Here is how the two compare on the points that matter to a small shop in Malta. Neither column is “better”; each suits a different kind of business.

Shopify and WooCommerce compared for a small shop in Malta.
ShopifyWooCommerce
What it isA hosted shop you rent for a monthly planFree, open-source shop software added to a WordPress site you host
Hosting and securityIncluded, with SSL; Shopify is PCI DSS Level 1You choose and pay for hosting; updates and backups are your job
Platform feeMonthly plan, priced by country and billing periodNone for the software itself
Payments in MaltaShopify Payments listed for Malta; other providers add a Shopify feeWooPayments lists Malta; Stripe, PayPal and bank gateways via plugins
Extra fee per sale0.2% to 2% if you do not use Shopify PaymentsNone from WooCommerce
Add-onsApp store; many apps charge monthlyPlugins and extensions; many paid yearly
Custom featuresGood within themes and apps; deep changes are limitedAlmost anything, if someone builds and maintains it
Content and blogBasic blog and pagesFull WordPress for guides and landing pages
Who keeps it runningShopify runs the platformYou or your developer
Data and movingExport products, customers and orders as files; theme and apps stayYou hold the database and files, and can move host

If you are still deciding whether you need a shop at all, or whether a simpler site with an enquiry form would do, read our comparison of WordPress, Wix and custom websites and our guide to Shopify in Malta, which covers Shopify set-up for Malta in detail.

Not sure which platform fits your shop? Apply now for an online shop

Payments

Taking payments in Malta on each platform.

On Shopify, the natural choice is Shopify Payments. Shopify’s help centre lists Malta among the supported countries, subject to its checks on your business and documents. If you use a different provider instead, Shopify adds its own third-party transaction fee on top of that provider’s fees. The fee depends on your plan.

Shopify’s third-party transaction fee by plan, charged when you do not use Shopify Payments.
Shopify planExtra fee on each sale
Basic2%
Grow1%
Advanced0.6%
Plus0.2%

On a shop selling €6,750 a month, that 2% on Basic is €135 a month, or €1,620 a year, before the provider’s own card fees. That is why almost every Shopify shop uses Shopify Payments. Its card rates depend on your plan and are shown on Shopify’s pricing page for your country, so check them when you sign up.

On WooCommerce there is no platform fee on sales. WooCommerce’s WooPayments lists Malta as a supported country, and Stripe has an official WooCommerce plugin. Stripe’s published Malta pricing is a good benchmark for card costs on a WooCommerce shop.

Stripe’s published card fees for businesses in Malta, a common choice on WooCommerce.
Card typeStripe fee in Malta
Standard European Economic Area cards1.5% + €0.25
Premium European Economic Area cards2.8% + €0.25
UK cards2.5% + €0.25
International cards3.15% + €0.25
Dispute received€20.00 each

Most Maltese shoppers pay with a standard European card, so the 1.5% + €0.25 line is the one that matters most. Our payment gateway guide for Malta compares Stripe, PayPal, Shopify Payments and bank gateways in more detail.

Real costs

Every cost to count over three years.

Comparing a Shopify plan with “free” WooCommerce is the most common mistake. Both have running costs; they just sit in different places. Count every line below for both platforms, over at least three years, before you decide.

Running costs to count for each platform.
Cost lineShopifyWooCommerce
PlatformMonthly or yearly planNone for the software
HostingIncludedHosting plan that can handle a shop
DomainYour own domain, connectedYour own domain
ThemeFree or paid themeFree or paid theme
Add-onsMonthly app feesYearly extension licences
Card feesShopify Payments rate, or provider fee plus Shopify’s feeProvider fee only
Updates and securityHandled by ShopifyUpdates, backups and checks, by you or a developer
Changes laterTheme and app limits; developer for custom workDeveloper for anything custom

The pattern is simple. Shopify costs more in fixed monthly fees and less in your own time. WooCommerce costs less in fixed fees and more in care: if nobody updates the plugins and tests the checkout after changes, the savings disappear the first time something breaks on a Saturday. Our website hosting guide explains what to look for in hosting if you go the WooCommerce route, and our website security guide covers updates and backups.

Free tool

Compare running costs with your numbers.

Type your own figures: orders, average order, the Shopify plan price you see on its pricing page, and the hosting and care quotes you have for WooCommerce. The calculator compares running costs over the years you choose, including card fees and Shopify’s extra fee if you pick another provider. One-off build costs are left out, because they depend on your catalogue. Nothing you type is sent anywhere.

Shopify or WooCommerce: running cost

Use your own figures. Nothing you type is sent anywhere.

Running cost compared

Your result appears here as you type.

Help me choose the right platform

If the two totals come out close, pick on the other points: who will run it day to day, whether you need custom features, and how much content you plan to publish. If Shopify comes out far ahead only because the WooCommerce care line is high, ask whether you really need that level of care for a small catalogue.

Worked examples

Two examples with numbers.

Example 1: the 2% that nobody noticed. Say a Sliema clothing shop on Shopify Basic takes 150 orders a month at an average of €45, so €6,750 a month. It connected Stripe instead of Shopify Payments. Stripe charges 1.5% + €0.25 on a standard EEA card, so about €138.75 a month. Shopify then adds its 2% third-party fee, €135 a month. Over three years, that extra fee alone is €4,860. Switching to Shopify Payments, or checking whether its rate is lower than the combined cost, is the first thing to do.

Example 2: the content-led shop. Say a Gozo food producer already has a WordPress site with recipes and guides that bring visitors from Google. Moving to Shopify would mean rebuilding that content on a separate platform. Adding WooCommerce to the existing site keeps the content and the shop in one place, with Stripe taking payments at 1.5% + €0.25 and no extra platform fee. The trade-off is that the producer now needs someone to update WordPress and the shop plugins and test the checkout after each update.

In both cases the numbers only tell half the story. The other half is who will run the shop. Online shops we work on are built to be run by the owner day to day; one store tracked €573k in sales from €95k of ad spend, which you can read about in our e-commerce case study.

Want a shop on the platform that fits how you work? Apply now for an online shop

Ownership

Ownership, moving and lock-in.

Whatever platform you choose, register the domain in your own name and keep the login. Our guide on who owns your website explains why this matters more than the platform itself.

  • On Shopify you can export products, customers and orders as files and take your domain with you. The theme and paid apps stay on Shopify, so moving away means rebuilding the design.
  • On WooCommerce you hold the database and every file, and you can move to another host or developer. Paid extensions keep working only while their licences are renewed.
  • Moving between them is possible in both directions. The hard parts are keeping product web addresses so Google does not lose them, moving customer accounts, and redirecting old pages. Our website redesign guide explains redirects.
  • Customer data falls under the GDPR on both. You are responsible for your privacy notice and for having a data processing agreement with the platform or host.

Malta specifics

What both platforms leave to you in Malta.

Neither platform knows your business. These Malta points need setting up on either one, and they matter more than the platform choice.

Malta set-up points to handle on either platform.
PointWhat to set up
Tax on what you sellTax settings agreed with your accountant before launch; see our VAT guide for online shops
Delivery zonesMalta and Gozo as separate zones with their own costs and days; collection if you offer it
Consumer rulesTotal price, delivery costs, 14-day withdrawal, guarantee wording and a clear “Buy now” button
Price reductions“Was” prices that follow S.L. 378.09 regulation 5A (lowest price of the last 30 days)
LanguageEnglish first; a Maltese or Italian version if your buyers need it
AccessibilityThe European Accessibility Act applies to online shops from 28 June 2025; very small businesses are exempt, but an accessible checkout sells better

For delivery options and carriers, see our online shop delivery guide, and for the legal pages around the shop, our website legal requirements guide.

Checklist

Decide in eight questions.

  1. Do you already have a WordPress site with content that brings visitors? If yes, lean towards WooCommerce.
  2. Who will run updates and test the checkout? If nobody, lean towards Shopify.
  3. Do you need custom pricing, B2B price lists, bookings or unusual stock rules? If yes, lean towards WooCommerce or a custom build.
  4. Will you use Shopify Payments? If you must use another provider, add Shopify’s extra fee to your sums.
  5. How many paid apps or extensions will you need? List them and price them for three years.
  6. How many products and variants? Both handle small catalogues well; big catalogues need good hosting on WooCommerce.
  7. Do you sell in person too? Shopify’s point-of-sale tools may tip the balance.
  8. What does the calculator above say over three years?

If you answer “it depends” to most of these, that is normal. A short call usually settles it in fifteen minutes once we see the catalogue.

How we build it

A shop on the right platform, owned by you.

We build shops on the platform that fits how you work, not the one we prefer. You own the domain, the shop and the customer list, and we set up payments, Malta and Gozo delivery zones, consumer wording and tracking before launch. Shops are quoted as their own scope after a short call, once we see your catalogue.

Malta Digital website packages, published starting prices and build times once your content is ready.
PackagePriceBuild timeFits
Professional WebsiteFrom €99024 to 48 hoursUp to 5 pages, products shown with an enquiry form
Business WebsiteFrom €2,4902 to 4 daysMore pages, product ranges, a second language
24-Hour Premium Website€2,990, up to 15 pages24 hoursA launch date that cannot move
Growth WebsiteFrom €4,9007 daysLanding pages, tracking and a growth plan
Online shopQuoted after a short callAgreed in writingShopify or WooCommerce, catalogue, payments and delivery

If neither platform fits, for example because of complex B2B pricing or stock held in several locations, a custom system starts from €7,500, with a first working version ready in 2 to 4 weeks. We have 18 Google reviews from real clients. For build costs, see our e-commerce website cost guide or our website design packages.

Ready to start your shop on the right platform? Apply now for an online shop

A few straight answers

What you might be wondering.

Is Shopify or WooCommerce better for a small business in Malta?

Shopify is better if you want a quick, low-maintenance shop and will use Shopify Payments. WooCommerce is better if you already run WordPress, need custom features, or want full control of code and data and have someone to maintain it.

Can I use Shopify Payments in Malta?

Yes. Shopify’s help centre lists Malta as a supported country for Shopify Payments, subject to its checks on your business and documents.

Does Shopify charge extra if I use Stripe or PayPal?

Yes. If you do not use Shopify Payments, Shopify adds a third-party transaction fee of 2% on Basic, 1% on Grow, 0.6% on Advanced and 0.2% on Plus, on top of the provider’s own fees.

Is WooCommerce really free?

The WooCommerce software is free, but you pay for hosting, a domain, any paid extensions, card fees and someone to keep WordPress and the plugins updated.

What card fees will I pay on WooCommerce in Malta?

That depends on the provider. Stripe’s published Malta pricing is 1.5% + €0.25 for standard European cards and 3.15% + €0.25 for international cards, with no extra fee from WooCommerce.

Can I move from WooCommerce to Shopify later, or back?

Yes. Products, customers and orders can be moved in both directions. Plan redirects for every product address so you keep your Google positions, and expect to rebuild the design.

Can Malta Digital build my shop on Shopify or WooCommerce?

Yes. We build on the platform that fits how you work, set up payments, Malta and Gozo delivery and consumer wording, and you own the shop. Shops are quoted after a short call once we see your catalogue.

A useful first step

Ready to choose and build your shop?

Professional Website from €990, Business Website from €2,490 and Growth Website from €4,900; online shops are quoted after a short call. Tell us about your shop and we reply with what we would build.

Apply now for an online shop