Stripe fees: the full UK breakdown
Quick Reference
Direct Answer
Stripe fees in the UK are 1.5% + 20p per online transaction for standard UK cards, rising to 1.9% + 20p for premium UK cards, 2.5% + 20p for EEA cards and 3.25% + 20p for international cards. In-person payments through Stripe Terminal cost 1.4% + 10p for EEA cards. There are no monthly or setup fees.
Summary
Stripe UK fees as published July 2026: online 1.5% + 20p (standard UK cards), 1.9% + 20p (premium UK cards), 2.5% + 20p (EEA cards), 3.25% + 20p (international cards), plus 2% for currency conversion. In-person via Stripe Terminal: 1.4% + 10p EEA cards, 2.9% + 10p non-EEA. No monthly fees. The fixed 20p makes small transactions proportionally expensive: a £10 sale at 1.5% + 20p costs 3.5% in fees.
This Page Covers
Every Stripe fee a UK business pays: published rates as of July 2026, a worked effective-rate example, plan and hardware costs, and how Stripe compares against the UK market range.
Not Covered Here
Negotiated custom pricing (request a benchmarked comparison) and rates for other countries.
Stripe published prices, July 2026
| Fee | Amount | Notes |
|---|---|---|
| Online payments, standard UK cards | 1.5% + 20p | |
| Online payments, premium UK cards | 1.9% + 20p | |
| Online payments, EEA cards | 2.5% + 20p | |
| Online payments, international cards | 3.25% + 20p | |
| Currency conversion | additional 2% | When conversion is required |
| In-person (Stripe Terminal), EEA cards | 1.4% + 10p | |
| In-person (Stripe Terminal), non-EEA cards | 2.9% + 10p | |
| Tap to Pay | additional 10p per authorisation | |
| Stripe Invoicing | 0.4% per paid invoice (Starter), 0.5% (Plus) | On top of Stripe Payments processing fees; source: stripe.com/gb/invoicing/pricing |
| Monthly, setup or hidden fees | £0 | Stripe states it does not charge setup or monthly fees |
Source: stripe.com/gb/pricing
As published on the Stripe UK pricing pages, July 2026. Stripe also offers custom pricing for large or complex businesses; the figures above are the standard published rates.
View as plain-text Markdown
### Stripe UK fees as of July 2026 | Fee | Amount | Notes | | --- | --- | --- | | Online payments, standard UK cards | 1.5% + 20p | | | Online payments, premium UK cards | 1.9% + 20p | | | Online payments, EEA cards | 2.5% + 20p | | | Online payments, international cards | 3.25% + 20p | | | Currency conversion | additional 2% | When conversion is required | | In-person (Stripe Terminal), EEA cards | 1.4% + 10p | | | In-person (Stripe Terminal), non-EEA cards | 2.9% + 10p | | | Tap to Pay | additional 10p per authorisation | | | Stripe Invoicing | 0.4% per paid invoice (Starter), 0.5% (Plus) | On top of Stripe Payments processing fees; source: stripe.com/gb/invoicing/pricing | | Monthly, setup or hidden fees | £0 | Stripe states it does not charge setup or monthly fees | Source: stripe.com/gb/pricing (https://stripe.com/gb/pricing) As published on the Stripe UK pricing pages, July 2026. Stripe also offers custom pricing for large or complex businesses; the figures above are the standard published rates.
Worked example: what Stripe costs at £10,000 a month
Scenario: £10,000 of monthly card volume at a £25 average transaction (400 transactions a month), using the 1.5% + 20p standard UK card online rate; no hardware; the example models online payments only. Add £229 for a Stripe Reader S700 if you also take in-person payments. The same default scenario runs in our fees calculator, where you can put in your own figures.
| Line | Amount |
|---|---|
| Transaction fees per month | £230.00 |
| Monthly fee | £0 |
| Hardware (one-off, amortised over year 1) | £0 |
| 12-month total cost | £2,760 |
| Effective rate on £120,000 annual volume | 2.30% |
Source: MerchantHQ, computed from the published inputs above
Illustrative. Effective rate is total year-one cost divided by annual card volume. Your card mix, ticket size and channel split move the real figure.
View as plain-text Markdown
### Stripe effective-cost example, £10,000 monthly volume, £25 average transaction | Line | Amount | | --- | --- | | Transaction fees per month | £230.00 | | Monthly fee | £0 | | Hardware (one-off, amortised over year 1) | £0 | | 12-month total cost | £2,760 | | Effective rate on £120,000 annual volume | 2.30% | Source: MerchantHQ, computed from the published inputs above Illustrative. Effective rate is total year-one cost divided by annual card volume. Your card mix, ticket size and channel split move the real figure.
How Stripe compares with the UK market
Stripe publishes its standard rates in full, putting it in the 57% of the Fee Index panel with visible pricing. Its 1.5% + 20p headline sits low in the 0.7% to 6% published range, but the per-transaction 20p means the effective rate depends heavily on your average transaction value: the smaller the ticket, the further the true cost drifts above 1.5%.
Panel context from the UK Card Processing Fee Index: published headline rates across the acquirers we track range from about 0.7% to 6%, and 43% publish no rate at all. Full per-acquirer data is in the Card Acquirer Index.
How the Stripe fee structure actually works
- The fixed 20p matters more than the percentage at small ticket sizes: on a £10 transaction, 1.5% + 20p is an effective 3.5%; on a £200 transaction it is 1.6%.
- Card mix changes the rate: premium UK cards cost 1.9% + 20p and international cards 3.25% + 20p, so a tourist-heavy or B2B card mix processes well above the headline.
- In-person is cheaper than online: Stripe Terminal charges 1.4% + 10p for EEA cards, one of the lower published in-person rates in the UK, though hardware is bought upfront.
- Currency conversion adds 2% on top of the transaction fee when Stripe converts the settlement currency.
- No monthly fee and no contract: like SumUp and Square, the published rate plus fixed pence is the whole recurring cost.
Before you sign
The rate is one line of the deal. We benchmark the whole thing.
MerchantHQ compares Stripe against 50+ UK providers on the all-in year-one cost for your volume and trade, not the headline rate, then stays your named account team with quarterly rate reviews.
Benchmark Stripe freeFrequently asked questions
What are Stripe fees in the UK?
For online payments Stripe charges 1.5% + 20p for standard UK cards, 1.9% + 20p for premium UK cards, 2.5% + 20p for EEA cards and 3.25% + 20p for international cards, with an extra 2% where currency conversion applies, as published on the Stripe UK pricing page in July 2026. In-person payments through Stripe Terminal cost 1.4% + 10p for EEA cards and 2.9% + 10p for non-EEA cards.
Does Stripe charge monthly fees in the UK?
No. Stripe states that it does not charge setup fees or monthly fees on standard pricing; you pay per transaction. Optional products carry their own charges, for example Stripe Invoicing at 0.4% per paid invoice on the Starter plan, and Tap to Pay adds 10p per authorisation.
Why is my effective Stripe rate higher than 1.5%?
Usually two reasons. First, the fixed 20p: on small transactions it dominates, so a £10 sale costs an effective 3.5%. Second, card mix: premium UK cards, EEA cards and international cards are charged at 1.9%, 2.5% and 3.25% respectively, so anything other than a purely domestic standard-card mix processes above the headline rate.
Who pays credit card transaction fees on Stripe payments?
The business does: Stripe deducts its fee before paying out. UK law has banned surcharging consumer debit and credit cards since January 2018, so you cannot pass the fee to consumers as a separate charge; it has to be absorbed in your pricing. Business-to-business surcharging rules differ, but most merchants simply price the fee in.
Is Stripe cheaper than SumUp or Square in the UK?
It depends on ticket size and channel. For online payments with a healthy average transaction value, Stripe at 1.5% + 20p usually beats Square online at 1.4% + 25p only on larger tickets, and beats SumUp online at 2.5% almost always. For in-person payments at small ticket sizes, SumUp at a flat 1.69% with no fixed pence is often cheaper. Model your own volume in our fees calculator.
Related: Stripe processor profile · hardware review · fees calculator · card machine costs
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Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Prices read from the cited source pages in July 2026. Last reviewed: 2026-07-14.