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NaiForge
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Replies within 24h · Karen, Nairobi

Comparison

NaiForge vs Shopify

Global SaaS with polished templates — but USD-billed monthly forever.

The cost reality

What you actually pay

NaiForge

KES 30,000-95,000 one-time

Recurring

Zero. You own the code.

Per-transaction

M-Pesa via Pay-to-Till by default — no gateway, no gateway fee (just Safaricom's own ~0.55%). Automated M-Pesa (gateway STK push): KES 20,000 add-on, included in Premium, a gateway rate that depends on the provider (published: Paystack 1.5%, Flutterwave 2.9%, IntaSend 3%, Pesapal 3-3.5%) — and no Shopify surcharge stacked on top either way. Cards (Premium): ~3.5% via gateway.

Upfront

50% deposit (KES 15,000-47,500+), balance on delivery. That's it.

Shopify

From ~USD 27/month (~KES 3,500)

Recurring

Published August 2026: Basic USD 27/mo, Grow USD 72/mo, Advanced USD 399/mo, Plus from USD 2,300/mo. Annual billing cuts those to USD 19 / 54 / 299. All in USD, so the KES cost moves with the exchange rate.

Per-transaction

Shopify Payments is not available in Kenya, so M-Pesa always goes through a third-party gateway — and Shopify adds a surcharge on top of that gateway's own fee. The surcharge is tier-dependent, not flat: 2% on Basic, 1% on Grow, 0.6% on Advanced, 0.2% on Plus. It shrinks as you pay more subscription, which is the trade.

Upfront

First month (USD 27 on Basic, or USD 1/mo for the first three months on the current intro offer) + a theme if you want bespoke (~USD 180-350) + gateway setup (~USD 100-300 if outsourced). Realistic first-month cash out: KES 10,000-40,000.

Break-even — ~9 months

At Shopify Basic USD 27/mo you cross NaiForge Starter's KES 30,000 one-time somewhere around month 8-9, depending on the exchange rate. The 2% third-party payment surcharge on Basic pulls that in further. Standard (KES 55,000) lands around month 15; Premium (KES 95,000) around month 25 — a longer horizon, though Premium includes things Shopify gates behind Grow or Advanced. Note the surcharge falls to 1% on Grow and 0.6% on Advanced, so at higher plans the per-sale gap narrows even as the subscription rises.

Side by side

Feature by feature

FeatureNaiForgeShopify
Pricing modelKES 30,000-95,000 one-timeUSD 27-399/mo recurring (USD 19-299 billed annually)
Platform recurring cost (year 1)KES 0 (one-time site cost only)~USD 324 on Basic monthly, ~USD 228 billed annually, + theme/apps
M-Pesa checkoutLipa Na M-Pesa Online via gateway — KES 20,000 add-on, included in PremiumThird-party gateway + Shopify surcharge (2% Basic / 1% Grow / 0.6% Advanced)
CurrencyKES nativeUSD-billed
Code ownershipYours, exportableLocked to Shopify
Time to launch5-7 days (Starter) to 3-4 weeks (Premium)Days to weeks (DIY) or KES 50k-300k via agency
Support channelWhatsApp, EAT hoursEmail/chat, global time zones
Cross-border USDAdd-onBuilt-in
Apps ecosystemNot needed for 90% of Kenyan SMBs8,000+ apps (many paid)
Where NaiForge wins
  • One-time payment, no recurring fees — you own the site
  • No Shopify third-party payment surcharge at all — 2% on Basic, 1% on Grow, 0.6% on Advanced
  • KES pricing, no FX risk on monthly bills
  • Shopify Payments isn't available in Kenya — you'd use a third-party gateway either way
  • No app-store sprawl — everything on the three tiers is built-in
  • Local support in Nairobi time zone via WhatsApp
Where Shopify wins
  • Massive app ecosystem (if you actually need 12 plugins)
  • Battle-tested at scale (millions of stores)
  • Built-in multi-currency for cross-border selling
  • Themes marketplace if you want to DIY
The honest answer

Who should choose what

Choose NaiForge if…

You're selling to Kenyan customers paying via M-Pesa, want predictable one-time cost, and don't want to babysit a plugin stack. 90% of Kenyan SMBs fit this.

Choose Shopify if…

You're selling to USD/EUR markets primarily, need Shopify-specific integrations (Klaviyo, specific dropshipping apps), or your team already runs on Shopify.

Verdict

If your customers pay with M-Pesa, NaiForge wins on platform cost and ownership — usually in under a year. Shopify wins for cross-border USD/EUR businesses with complex app needs.

Questions

NaiForge vs Shopify — FAQ

Ready to decide?

WhatsApp us — we'll tell you honestly if Shopify is actually a better fit for you. We lose some leads that way; we keep the right ones.