Hey there, @Hopofly_bags . Thanks for connecting with us in the Shopify Community with your question. It’s nice to meet you!
It sounds there may be some confusion regarding the types of fees you can expect to incur using Shopify. I recommend that you refer to our Pricing Page for more information. I also have a screenshot here that explains where and why the fees you’re experiencing are happening.
Each column represents a different plan, so if you’re on the ‘Basic’ Plan, that first column would apply to you. This would mean that you can expect a 2.9% + 30 cent credit card fee on transactions in your store. There is an additional 2% fee applied when using a third party payment gateway that isn’t Shopify Payments. If you are in a region where Shopify Payments is supported, consider enabling that gateway so you can avoid that extra 2% fee. Disabling PayPal in your store will not remove the fact that you’ll be paying the fees; if anything, it just removes a payment option for your customers.
Do you mind if I ask why you’re looking to get away from these fees? I’d love to know more about the context behind your question, and your business, so we can continue chatting about things.