E-commerce platform — models, how to choose one and a guide to online store platforms

An e-commerce platform is the software an online store runs on: the product catalogue, cart, orders, payments and the admin panel you use to run all of it. Choosing one is, in practice, three decisions at once — who maintains the store technically, how fees are calculated, and what you take with you if you ever decide to leave.

This article organises our section on online store platforms. It doesn't repeat the detail from the other articles — it shows how to approach the choice, and points you to the article that answers your question. Prices and fees come from vendor price lists read on 30 September 2026 — price lists change often, so open the current version before you decide.

E-commerce platform — what it is and how the models differ

Before you compare brands, choose a model. That's what decides who pays for the server, who updates the software, and where your data lives.

SaaS — a store on subscription. Shoper, Shopify, IdoSell, Sky-Shop, Selly or AtomStore rent you a ready-made store. The servers and updates are on the vendor's side: Shopify lists “unlimited hosting” and a free SSL certificate in its price list, AtomStore “updates and hosting included”. The subscription isn't the final price, though: you still pay for payments, sometimes for orders, for apps, and for a higher plan once you outgrow the current one. For Shopify the Polish pricing page lists plans at PLN 109/month for Basic billed monthly (PLN 79/month billed annually), PLN 319/month for Grow (PLN 239 billed annually), PLN 1,630/month for Advanced (PLN 1,220 billed annually), and Plus from €2,100/month — the Polish page quotes Plus in euros (read 30.09.2026; the page does not say whether VAT is included). The same platform runs thousands of stores at once, so you can't change its code, and you get new features and price-list changes together with every other customer on it — a multi-tenant architecture. What you gain and give up in the subscription model is explained in the guide to SaaS.

Open source — the code is free, everything else is on you. WooCommerce, PrestaShop and Shopware Community Edition can be downloaded with no licence fee and no revenue share — WooCommerce's own pricing page states it plainly: "no platform fees, no revenue share." You pay for hosting (WooCommerce's own estimate: "$25 – $350/month for most stores"), extensions, implementation and ongoing care — updates, backups, security. In return, the code and the database sit on a server you control.

Headless — a separate front end, the engine behind an API. commercetools defines headless commerce as an architecture that "separates the frontend experience layer from backend commerce functionality, exposing capabilities through APIs." The engine can be a SaaS or an open-source platform; the front end is built and maintained separately. That buys you freedom over look and performance, at the cost of a second layer to maintain.

Platform-by-platform cards, their limits, and head-to-head comparisons sit in our e-commerce platform comparison, and when headless actually pays off is covered in headless vs. a classic store.

How to choose an e-commerce platform — criteria, payments and exit cost

There's no single answer to "which e-commerce platform is best." There's a platform best suited to your catalogue, your budget and your team. The chart below shows the order to ask the questions in; a short version of each follows.

Five criteria, in short

Pick two or three candidates and score each from 1 to 5:

1. Total cost — not just the subscription, but the whole billing model: a flat subscription, a per-order fee, a percentage at an external gateway, or zero licence cost plus the cost of care.
2. Catalogue and features — your product and variant count fits the plan's limits, and the features you need from day one (variants, discounts, B2B selling, subscriptions) work without buying add-ons.
3. Channels and integrations — marketplaces, payment gateways, invoicing and warehouse software.
4. Control and data — what you can change yourself, and what you take with you if you leave.
5. Team skills — who updates the system and reacts when something breaks.

Every criterion, with price-list examples, is laid out in our platform comparison. Before you score anything, answer four questions: how many products will you sell, are you planning to sell across borders (languages, currencies, payment methods in other countries), which features are non-negotiable — physical or digital goods, invoicing, warehouse integration, marketplace integration — and what's your budget, counting payments and apps and ongoing care, not just the subscription. Test your shortlisted candidates for real: Shoper, Sky-Shop and Selly give a 14-day test according to their price lists, PrestaShop Hosted gives a 14-day trial, and Shopify 3 days free, then PLN 4/month for 3 months.

Payments as a platform-selection criterion

Payment methods aren't just a matter of buyer convenience. Which gateway you connect decides whether the platform adds its own fee on top of the processor's commission. Per price lists read 30.09.2026:

• Shopify — at an external gateway (for example PayU, Przelewy24 or Tpay), Shopify's Polish pricing page adds a "third-party transaction fee": 2% on Basic, 1% on Grow, 0.6% on Advanced, 0.2% on Plus, on top of whatever the processor itself charges. The fee doesn't apply to manual methods like cash on delivery or bank transfer, or to in-person sales (Shopify Help). Shopify Payments works in Poland; on Basic, BLIK costs 1.3% + PLN 1.20, Przelewy24 1.6% + PLN 1.20, and a standard card 1.95% + PLN 1.20.
• IdoSell — on the Expert+, Enterprise and Individual plans it charges an "integration fee" on turnover through gateways outside its partner list: 0.25%, 0.19% and 0.15%. With IdoPay, Klarna, Stripe, PayPal and InPost Pay the fee is 0% (IdoSell price list, PDF effective 1.08.2026).
• AtomStore — on payments made through channels other than IdoPay it charges 0.50%, 0.40% or 0.30% depending on the plan (B2C price list, PDF effective 1.03.2026).
• Comarch e-Sklep — 0.5% per transaction with external payment systems (price list).
• Shoper and Selly — their price lists list no platform commission. Shoper notes that "besides the subscription cost, you should account for payment-method fees", and Selly declares "no commission regardless of the number and value of orders".
• BigCommerce — if you are considering a global platform: it charges an "Open Payment Provider Fee" (2%, 1% or 0.6% depending on the plan) for providers outside its list of integrated ones, and PayU, Przelewy24 and Tpay are not on that list (BigCommerce pricing).

The order is therefore this: first establish how your customers pay — in Poland the starter set is BLIK, fast transfers and cards — then check whether the platform supports your operator without a surcharge. We compare the standard rates of PayU, Przelewy24, Tpay and Stripe in the guide on how to start an online store, the full "platform plus gateway" sum in the article on what an online store costs, and payment operators and checkout in the payments and logistics overview.

Three EU-wide protections apply regardless of which gateway you pick: interchange fees on debit and credit cards are capped at 0.2% and 0.3% respectively (Regulation (EU) 2015/751); sellers may not surcharge customers for using a card whose interchange is capped this way (PSD2, Directive (EU) 2015/2366, Art. 62(4)); and a remote card payment of up to €30 can skip two-factor authentication under the strong customer authentication exemption, as long as the payer's cumulative total since the last authentication stays within €100 or five consecutive transactions (RTS (EU) 2018/389, Art. 16) — the €50 figure that sometimes circulates is a different limit, for contactless payments at a physical till (Art. 11), not for e-commerce.

Your sales model narrows the field too. If you sell by subscription, check whether recurring billing is built in or a paid add-on — on WooCommerce it's the WooCommerce Subscriptions extension, $279/year. If you sell to businesses — with per-customer price lists, credit limits and invoicing on terms — you need features a typical consumer store doesn't have; we cover them in the article on B2B platforms.

Delivery and mobile

Parcel lockers and the phone are two features every platform has to handle flawlessly. According to the Gemius report “E-commerce w Polsce 2026”, 84% of buyers used parcel lockers in the past year, and 58% of respondents most often finish their purchases on a phone (Gemius; a CAWI survey of 1,874 internet users aged 15+, 14–22 July 2026; the report's partners were Gemius, Polskie Badania Internetu, IAB Polska and Kozminski University). During the trial, test the locker integration and label generation from the admin panel, and go through a whole order on a phone.

Exit cost: data export

Choosing a SaaS platform also means choosing a vendor and its future decisions. Before you sign, check what you can take with you if you leave. Per vendor documentation:

• Shopify exports products, customers and orders to CSV.
• PrestaShop Hosted states that you can recover all your shop's data after your subscription ends.
• In open source, the database sits on a server you control.

CSV is data, but it isn't the whole store: the template, configuration and URLs still have to be rebuilt on the new platform. Do a trial export during the free period and open the file. We cover why exit terms are worth checking before you sign in the article on cloud security.

Map of the section: seven articles on platforms

Each article answers one question. Start with the one you have right now.

How do I start an online store? The step-by-step guide leads from the product, margin and demand test through legal setup, model choice, obligations with dates, payments, delivery and a plan for the first 90 days.

How much does an online store cost? The article on costs separates start-up cost from monthly cost, lines up SaaS subscriptions and gateway fees from published price lists, and works through a cost example.

Which platform should I choose? The e-commerce platform comparison puts the main platforms — from Shopify and Shopware to WooCommerce and PrestaShop — through five criteria and tabulates model, starting price, sales/order fees and data-export scope.

Can I start for free? The article on free online stores shows what's genuinely free: trials, free builder plans, open-source software — and what always costs money.

What's a B2B platform? The article on B2B platforms describes a store for business customers — per-customer price lists, credit limits, multi-user accounts — and explains why implementation starts with ERP data, not the front end.

Headless or a classic store? The article on headless commerce explains what changes versus a themed store, who maintains which layer, when headless pays off and when it's premature, and covers the tooling: Shopify Hydrogen, Medusa, Shopware, commercetools and a Next.js front end.

How do I migrate to another platform? The article on store migration walks through seven steps, from inventorying URLs to launch day and the first 90 days.

Tools for choosing a platform

• [Quiz: which e-commerce platform](pages:69bfe4fe0d5d51379c34268c) — seven questions on catalogue, budget and plans, ending in a recommendation of one of four platforms (Shoper, IdoSell, Shopify, WooCommerce). Always compare the tool's prices against the vendor's current price list — that's what's binding.
• [Online store cost calculator](pages:69b1d28de5961b9519f27fbc) — estimates a start-up budget in a few minutes depending on platform, integrations and payments.
• [E-commerce TCO calculator](pages:69bfe4fd0d5d51379c34263c) — calculates annual running cost and a multi-year total for Shoper, IdoSell, Shopify and WooCommerce: subscription, hosting, add-ons, fees, care.
• [Online store costs in Poland — 2026 edition](pages:6a881b92d619d2695247642d) — 108 publicly available price observations from 70 vendors on the Polish market, collected March–May 2026. Shows the price range vendors open negotiations at, not the price of finished projects.
• [Migration checklist](pages:69b904aefd308268547d6339) — a five-phase checklist for moving platforms, from SEO and redirects through order history to the checkout flow.
• [UX checklist](pages:69b904affd308268547d6371) — cart and checkout elements to check before launch and after a platform change.

If you're considering a headless store with your own front end, see how we approach that model: an online store built headless.