NaiForge vs Shopify
Global SaaS with polished templates — but USD-billed monthly forever.
What you actually pay
KES 30,000-95,000 one-time
Zero. You own the code.
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.
50% deposit (KES 15,000-47,500+), balance on delivery. That's it.
From ~USD 27/month (~KES 3,500)
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.
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.
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.
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.
Feature by feature
| Feature | NaiForge | Shopify |
|---|---|---|
| Pricing model | KES 30,000-95,000 one-time | USD 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 checkout | Lipa Na M-Pesa Online via gateway — KES 20,000 add-on, included in Premium | Third-party gateway + Shopify surcharge (2% Basic / 1% Grow / 0.6% Advanced) |
| Currency | KES native | USD-billed |
| Code ownership | Yours, exportable | Locked to Shopify |
| Time to launch | 5-7 days (Starter) to 3-4 weeks (Premium) | Days to weeks (DIY) or KES 50k-300k via agency |
| Support channel | WhatsApp, EAT hours | Email/chat, global time zones |
| Cross-border USD | Add-on | Built-in |
| Apps ecosystem | Not needed for 90% of Kenyan SMBs | 8,000+ apps (many paid) |
- 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
- 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
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.
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.
NaiForge vs Shopify — FAQ
NaiForge vs everything else
vs Jumia Seller Center
Free to list, but Jumia takes 6-20% per sale and owns the customer.
vs Sky.Garden
Shut down in March 2025. Kept here as the clearest lesson in platform risk Kenyan ecommerce has produced.
vs WhatsApp Business
Free, familiar, and where your customers already are — but manual, unscalable, and invisible to Google.
vs Wix
Drag-and-drop templates billed in USD forever — vs a one-time KES site you own.
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.