Grow your sales, not your costs – MyCashflow vs. Shopify

Your e-commerce platform is the engine behind your entire business. Compare the real costs and features, and choose the platform that actually works for you.

Nainen työskentelee kannettavalla tietokoneella MyCashflow-paita päällä vihreää taustaa vasten.

Get 90 days free with code EXSHOPIFY

Start now and explore everything MyCashflow has to offer, free for 90 days. Just enter the code EXSHOPIFY when you set up your store. Offer valid until 31 August.

Choose a plan and get started today!

Choosing an e-commerce platform – local expertise or global giant?

Your store's success starts with the platform you build it on. Make the decision based on facts, not gut feeling.

Your platform choice is the most important strategic decision you'll make

When comparing platforms, think about the full picture: do you get all the tools for sales, logistics and multichannel commerce in one system – or do you end up stitching your store together from a bunch of third-party apps? The right choice frees up your time from technical headaches so you can focus on actually selling.

Compare the features – everything ready to go, or a puzzle to piece together?

A platform's real value shows in how smoothly your day-to-day runs. Below you'll see which business-critical features come built into MyCashflow from day one – and which ones you'd need to cobble together in Shopify using separate apps and add-ons.

Built for Finnish and European merchants

MyCashflow comes with local delivery options and payment providers built right in. In Shopify, these typically require separate paid apps or custom development to work properly in Finland and Europe.

Growth tools ready out of the box – no app jungle needed

Promotional tools, product recommendations, cross-selling and gift cards are all built into MyCashflow from the start. In Shopify, pulling these features together means hunting for apps, paying extra and risking compatibility issues.

Sell across the EU without hassle

Country-specific VAT rates, OSS reporting and GDPR compliance are handled automatically in MyCashflow. In Shopify, OSS reporting is often clunky and requires paid add-ons or tedious manual workarounds.

Online store and physical shop, genuinely in sync

In MyCashflow, your shop and online store run in the same system – stock updates in real time and all your data stays aligned. Shopify's POS was built for the North American market, which often means compromises for European retailers.

Accounting reports in the right format

MyCashflow generates accounting reports automatically in the format your accountant needs. Shopify has no native support for Finnish accounting – syncing data requires a paid integration or slow manual reconciliation.

Run multiple stores without extra fees

Sell to consumers (B2C), businesses (B2B) and international customers from a single admin, at no extra cost. In Shopify, each additional store usually means another monthly subscription and fragmented management.

Don't just focus on the monthly fee – concider the total cost

The monthly fee is just the tip of the iceberg when it comes to platform costs. The true total cost of an online store consists of sales commissions, paid apps, and hidden fees that quietly eat away at your profit margins.

Read more about total costs on our blog →

0% commission or a percentage of every sale?

Shopify typically charges 0.6–2.0% on every sale. MyCashflow takes no cut at all – every euro you earn stays with your business.

A costly (and messy) app jungle

In Shopify, local logistics, payment methods and accounting usually require separate monthly add-ons. With MyCashflow, these are included in the price.

Forced licence upgrades

The moment your business needs checkout customisation or wholesale tools, Shopify nudges you towards its Plus plan – which can cost thousands per month. MyCashflow lets you scale with predictable pricing and no nasty surprises.

MyCashflow vs. Shopify – which one works better for your business?

Base your platform decision on facts, not impressions. We've put the most business-critical features side by side so you can see at a glance where MyCashflow saves you time and money – and how the two platforms differ in practice.

Feature MyCashflow Shopify
Ownership 100% Finnish Large Canadian corporation
Sales commission (local payment methods) 0% 0.6–2.0% per transaction. The more you sell, the more Shopify takes.
Local shipping carriers (e.g. Posti, Matkahuolto) Built into the platform, no extra software costs Requires a paid third-party app (typically €20–80/month)
Local payment services (e.g. Paytrail) Built-in and ready to use out of the box Requires installing a separate third-party app
Extensions and add-ons High-quality, carefully curated integrations ~ 8,000+ add-ons — quality varies widely
Ready-made design themes Customizable, industry-specific templates Large selection, hundreds of ready-made themes
Full B2B sales and customer-specific pricing Available on all plans Limited on base plans; full B2B requires a Plus license
Accounting reports (Finnish format) Ready to use out of the box Not built in — requires a separate app
EU sales tax and OSS reports Handled automatically ~ Partial support — requires manual work or add-ons
Point of Sale (POS) Built-in, designed for Finnish retail ~ Built for North America; full features require a costly license ($89/month)
Data privacy and GDPR 100% domestic, data stays within the EU ~ Global platform — data transfers require careful attention
Customer support Finnish-speaking expert support via phone and chat ~ English only; responses often come from bots or teams spread across different continents

See how much you could save – compare the real costs

Find out what you're actually paying for your platform. Enter your estimated annual sales into our calculator, pick a plan, and see exactly how much transaction fees are costing you.

Calculate your savings

MyCashflow is more than just software – we're your growth partner

We want to be part of your business success story, which is why we're much more than a platform provider. We make growing your business easier by being a true end-to-end partner. Alongside the e-commerce platform, you get everything you need to run your business – from growth marketing and branding to content creation, a POS system for brick and mortar sales, translation services and custom development of your online store.r

Effective e-commerce advertising

Our marketing specialists are here to help you grow your sales. We help you develop your store so you get the most out of your ad spend. Explore our growth marketing service

Tailored solutions for your store

Our in-house team builds e-commerce solutions with conversion always at the centre. We know the platform inside out and make sure you and your team get the most out of it. See what we've built and find out more

A partner in your growth and development

We're always easy to reach and we support your store's growth and development with a firm hand. You'll always know exactly who to turn to when questions come up.

Talk to a real person, not a bot – in your language

Forget chatbots and ticket queues. Behind MyCashflow is a team of over 40 e-commerce professionals who really understand what online merchants need. In Shopify, there's no unified support system and getting a named account manager requires an expensive Plus licence.

Support that understands your business

Forget endless bots and generic answers. Our team gives you knowledgeable, personalised support that actually solves your problems and helps move your business forward.

Fast chat – responses in as little as 10 minutes

When you need help quickly, you won't be left hanging. Reach our award-winning support directly from your store's admin panel and get back to selling fast.

You can always just pick up the phone

When things get complicated, give us a call. You'll get straight through to an expert who'll walk you through it from start to finish, in plain English.

Get started with MyCashflow today

Switching to MyCashflow is easier than you think.

Switch to MyCashflow

Move your existing store to MyCashflow and get access to the best tools on the market for growing your sales – online and in-store. Easy guides and service available!

Ask about transferring your store!

Start a new online store

Turn your idea into a reality and start selling with MyCashflow today. Find out how to open your store in minutes and build a business that lasts. We are at your service!

Get your first month free and start today!
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