Stripe fees in the UK: what you pay, by card type and sale size

Stripe's UK fee for an online payment starts at 1.5% + 20p on a UK-issued card, and the merchant pays this on every sale. The rate is higher for a card issued in the EEA or elsewhere, and higher again when a sale needs currency conversion.

A premium UK card, an in-person payment and a payment dispute each cost something different again.

What you pay in Stripe fees, by card origin and sale size

What you pay in Stripe fees, by card origin and sale size
	UK card	EEA card	International card	Currency conversion
£10 sale (online card payment)	£0.35¹ ²	£0.45⁵ ⁶	£0.52⁷ ⁸	£0.72⁷ ⁸ ¹³
£100 sale (online card payment)	£1.70¹ ²	£2.70⁵ ⁶	£3.35⁷ ⁸	£5.35⁷ ⁸ ¹³
£1,000 sale (online card payment)	£15.20¹ ²	£25.20⁵ ⁶	£31.70⁷ ⁸	£51.70⁷ ⁸ ¹³
£10,000 sale (online card payment)	£150.20¹ ²	£250.20⁵ ⁶	£315.20⁷ ⁸	£515.20⁷ ⁸ ¹³

How these numbers were computed

Show the arithmetic behind every cell

£0.35 = 1.5% × 10 / 100 + 20p / 100 (sources 1, 2)
£1.70 = 1.5% × 100 / 100 + 20p / 100 (sources 1, 2)
£15.20 = 1.5% × 1000 / 100 + 20p / 100 (sources 1, 2)
£150.20 = 1.5% × 10000 / 100 + 20p / 100 (sources 1, 2)
£0.45 = 2.5% × 10 / 100 + 20p / 100 (sources 5, 6)
£2.70 = 2.5% × 100 / 100 + 20p / 100 (sources 5, 6)
£25.20 = 2.5% × 1000 / 100 + 20p / 100 (sources 5, 6)
£250.20 = 2.5% × 10000 / 100 + 20p / 100 (sources 5, 6)
£0.52 = 3.15% × 10 / 100 + 20p / 100 (sources 7, 8)
£3.35 = 3.15% × 100 / 100 + 20p / 100 (sources 7, 8)
£31.70 = 3.15% × 1000 / 100 + 20p / 100 (sources 7, 8)
£315.20 = 3.15% × 10000 / 100 + 20p / 100 (sources 7, 8)
£0.72 = (3.15% + 2%) × 10 / 100 + 20p / 100 (sources 7, 8, 13)
£5.35 = (3.15% + 2%) × 100 / 100 + 20p / 100 (sources 7, 8, 13)
£51.70 = (3.15% + 2%) × 1000 / 100 + 20p / 100 (sources 7, 8, 13)
£515.20 = (3.15% + 2%) × 10000 / 100 + 20p / 100 (sources 7, 8, 13)
£3.00 = 2.8% × 100 / 100 + 20p / 100 (sources 3, 4)
£1.50 = 1.4% × 100 / 100 + 10p / 100 (sources 9, 10)
£3.00 = 2.9% × 100 / 100 + 10p / 100 (sources 11, 12)

Taking the payment in person costs less

Stripe Terminal charges 1.4% on an EEA-issued card for an in-person payment, below the 2.5% it charges the same card online. A non-EEA card costs 2.9% in person, against 3.15% online. The per-transaction fee is lower too: 10p in person, against 20p online.

A currency conversion adds a surcharge

Stripe adds 2% on top of the EEA or international rate when a sale needs currency conversion. That surcharge applies on top of the 2.5% EEA rate or the 3.15% international rate, whichever card is used.

A disputed payment costs £20.00 up front

Stripe charges £20.00 for every payment dispute it receives, regardless of the outcome. Responding to a dispute manually adds another £20.00, which Stripe refunds only if the merchant wins.

Both fees sit outside the percentage rate, so a business with a high dispute rate should budget for them separately.

What sets your Stripe UK rate

Channel. Taking the payment in person through Stripe Terminal costs less than the same card online.
Plan. The Standard plan has no monthly fee. A business with high volume or an unusual model can negotiate a custom package instead of the published rate.
Average ticket. The percentage rate matters more as your average sale grows, and the flat 20p per-transaction fee matters more as it shrinks.
What else adds up. A disputed payment has its own flat fee on top of the percentage rate, and general ways to cut card-processing costs apply in the UK too — see credit card processing fees.

FAQ

How much more does a premium UK card cost than a standard one on Stripe?

A premium UK card costs £3.00 on a £100 sale, at Stripe's 2.8% premium rate. Stripe decides which cards count as premium — a merchant can't opt out of the higher rate at checkout.

Is Bacs Direct Debit cheaper than a card payment on Stripe UK?

Bacs Direct Debit charges 1% of the payment. There's a 20p minimum on small amounts, and a £4.00 cap on large ones, so it can undercut a card rate once a sale is large enough.

Does Stripe charge a monthly fee in the UK?

No. The Standard plan has no setup fee, no monthly fee and no hidden fees — a merchant only pays the percentage and per-transaction fee on each sale.

Is it cheaper to take a card payment in person than online with Stripe?

Yes. A £100 sale with an EEA-issued card costs £1.50 in person, on Stripe's 1.4% Terminal rate — below the 2.5% online rate for the same card. A non-EEA card costs £3.00 in person, on a 2.9% rate.

Sources

Gathered with AI assistance; every figure was checked against the linked provider page and signed off by Seonrye Kim.

Stripe's Standard plan charges 1.5% on a standard UK-issued card for an online payment, plus a per-transaction fee. — https://stripe.com/gb/pricing (verified on: 2026-09-04)
Stripe adds a 20p per-transaction fee on top of its percentage rate for a standard UK-issued card. — https://stripe.com/gb/pricing (verified on: 2026-09-04)
Stripe charges 2.8% on a premium UK-issued card for an online payment, instead of the 1.5% standard-card rate. — https://stripe.com/gb/pricing (verified on: 2026-09-04)
Stripe adds the same 20p per-transaction fee to a premium UK card as to a standard one. — https://stripe.com/gb/pricing (verified on: 2026-09-04)
Stripe charges 2.5% on a card issued in the European Economic Area for an online payment. — https://stripe.com/gb/pricing (verified on: 2026-09-04)
Stripe adds a 20p per-transaction fee to an EEA-issued card, the same as a UK-issued card. — https://stripe.com/gb/pricing (verified on: 2026-09-04)
Stripe charges 3.15% on a card issued outside the UK and the European Economic Area, for an online payment. — https://stripe.com/gb/pricing (verified on: 2026-09-04)
Stripe adds a 20p per-transaction fee to an internationally issued card, the same as a UK or EEA card. — https://stripe.com/gb/pricing (verified on: 2026-09-04)
Stripe Terminal charges 1.4% on an EEA-issued card for an in-person payment, below the 2.5% it charges the same card online. — https://stripe.com/gb/pricing (verified on: 2026-09-04)
Stripe Terminal's per-transaction fee for an EEA card is 10p, half the 20p it charges online. — https://stripe.com/gb/pricing (verified on: 2026-09-04)
Stripe Terminal charges 2.9% on a non-EEA card for an in-person payment. — https://stripe.com/gb/pricing (verified on: 2026-09-04)
Stripe Terminal's per-transaction fee for a non-EEA card is 10p. — https://stripe.com/gb/pricing (verified on: 2026-09-04)
Stripe adds 2% on top of its EEA or international card rate when a payment needs currency conversion. — https://stripe.com/gb/pricing (verified on: 2026-09-04)
Stripe's Standard plan has no setup fee, no monthly fee and no hidden fees. — https://stripe.com/gb/pricing (verified on: 2026-09-04)
Stripe charges a flat £20.00 fee for every payment dispute it receives, regardless of the outcome. — https://stripe.com/gb/pricing (verified on: 2026-09-04)
Stripe charges an additional £20.00 fee for responding to a dispute manually. — https://stripe.com/gb/pricing (verified on: 2026-09-04)
Stripe refunds the dispute-countered fee if the merchant wins the dispute, and keeps it if the merchant loses. — https://stripe.com/gb/pricing (verified on: 2026-09-04)
Stripe charges 1% of the payment for a Bacs Direct Debit collection. — https://stripe.com/gb/pricing (verified on: 2026-09-04)
Stripe's Bacs Direct Debit fee has a 20p minimum on small payments. — https://stripe.com/gb/pricing (verified on: 2026-09-04)
Stripe's Bacs Direct Debit fee is capped at £4.00 on large payments. — https://stripe.com/gb/pricing (verified on: 2026-09-04)
Stripe offers custom pricing, instead of the published Standard rates, for businesses with large payment volume or unusual business models. — https://stripe.com/gb/pricing (verified on: 2026-09-04)