🇬🇧

      Domestic: 1.5% + £0.20  ·  International: 3.25% + £0.20
    

Stripe Fee Calculator United Kingdom (2026)

Q: What is Stripe's standard fee in the UK?

Stripe charges 1.5% + £0.20 per successful domestic card transaction. This is one of the lowest Stripe rates globally — the equivalent US rate is nearly double at 2.9% + $0.30. International (non-EEA) cards cost 3.25% + £0.20.

Q: What are Stripe's rates for international cards in the UK?

Cards issued outside the UK or EEA are charged at 3.25% + £0.20 per transaction — 1.75 percentage points higher than the domestic rate. US cards, Australian cards, and non-EEA cards all fall into this category.

Q: Does Stripe support BACS payments for UK businesses?

Yes. Stripe supports BACS Direct Debit at 1% with a £2 cap per transaction — extremely cost-effective for recurring UK B2B payments over £200, far cheaper than card processing for large invoices.

UK businesses benefit from some of Stripe's most competitive global rates — 1.5% + £0.20 for domestic cards versus 2.9% + $0.30 in the USA. This calculator gives you exact GBP fee breakdowns, annual cost estimates, and VAT considerations for UK merchants.

Enter Transaction Details

🇬🇧 United Kingdom: 1.5% + £0.20

Amount in GBP

Country

Card Type

International (non-EEA) cards cost 3.25% + £0.20 — that's 1.75% more than domestic.

NetFee

⚖️ Compare with PayPal 💡 Tips to Reduce Fees

Fee Breakdown — UK (GBP)

Gross Charge£100.00

Stripe Fee (0%)−£0.00

↳ % component−£0.00

↳ fixed component−£0.00

You Receive (Net)£0.00

UK-Specific Guide

Stripe Fees & VAT for UK Businesses

Since Brexit, UK businesses operate under a slightly different Stripe fee structure. UK-issued cards are domestic, while non-EEA cards trigger the international surcharge. Here's what UK merchants need to know.

⚠️ UK VAT on Stripe Fees
Stripe's processing fees are subject to 20% UK VAT. VAT-registered businesses can reclaim this as input tax — effectively reducing the net fee cost by ~17%. Non-VAT-registered businesses (under the £90,000 annual threshold) must absorb the full VAT cost. Always check your Stripe invoices for correct VAT treatment.

Stripe also supports BACS Direct Debit in the UK at 1% capped at £2 — ideal for recurring B2B payments over £200. On a £1,000 invoice, BACS costs just £2 versus £15.20 for a card payment.

Save Money

Reduce Your Stripe Fees in United Kingdom

Stripe is great — but there are ways to cut costs, especially on international or high-volume transactions.

💡 Ways to reduce your United Kingdom Stripe fees

🌍

Wise Business

Send international payments at real exchange rates. Often cheaper than Stripe for cross-border transactions.

Save on fees →

⚖️

Compare Stripe vs PayPal

Full side-by-side fee comparison for United Kingdom businesses — see which processor is cheaper for your volume.

Compare now →

🔀

Stripe vs Wise

When international payments are involved, Wise can be significantly cheaper for cross-border transfers.

See comparison →

Examples

Stripe Fee Examples for United Kingdom

At 1.5% + £0.20 domestic (3.25% + £0.20 international), here's what Stripe charges across common transaction amounts.

£10

Domestic fee−£0.35

You receive£9.65

Intl card fee−£0.53

£50

Domestic fee−£0.95

You receive£49.05

Intl card fee−£1.83

£100

Domestic fee−£1.70

You receive£98.30

Intl card fee−£3.45

£500

Domestic fee−£7.70

You receive£492.30

Intl card fee−£16.45

£1,000

Domestic fee−£15.20

You receive£984.80

Intl card fee−£32.70

£5,000

Domestic fee−£75.20

You receive£4,924.80

Intl card fee−£162.70

How It Works

How Stripe Fees Work in United Kingdom

For every successful GBP payment processed through Stripe, the platform automatically deducts a fee before depositing funds into your bank account. The formula is simple:

      // Domestic card

      Fee = (Amount × 1.5%) + £0.20

      Net = Amount − Fee

      // International card

      Fee = (Amount × 3.25%) + £0.20

      Example: £100 domestic → Fee = £1.70 | Net = £98.30

Note: VAT (20%) applies on Stripe fees for UK businesses. Additional fees may apply for chargebacks (£15) and currency conversion (+1%). Always verify at stripe.com/gb/pricing.

Alternatives

Best Stripe Alternatives in United Kingdom

Depending on your business type, one of these may cost less than Stripe for United Kingdom payments.

🅿️

PayPal UK

1.2%–2.9% + £0.30

Higher fees at low volume, strong buyer trust

🌍

Wise

0.4%–2% + small fixed

Best for international B2B invoicing

▪️

SumUp

1.69% flat

Great for UK in-person retail

🏦

Adyen

Interchange++

Enterprise-grade, for £500k+/year volume

Want a full comparison? See our Stripe vs PayPal guide →

FAQ

Stripe Fees in United Kingdom — FAQs

Stripe charges 1.5% + £0.20 per successful domestic card transaction. This is one of the lowest Stripe rates globally — the equivalent US rate is nearly double at 2.9% + $0.30. International (non-EEA) cards cost 3.25% + £0.20.

Yes. Stripe's processing fees are subject to 20% UK VAT. VAT-registered businesses can reclaim this as input tax. Non-VAT-registered businesses (under the £90,000 threshold) must absorb the full cost. On a £1.70 Stripe fee, VAT is approximately £0.28.

Cards issued outside the UK or EEA are charged at 3.25% + £0.20 per transaction — 1.75 percentage points higher than the domestic rate. US cards, Australian cards, and non-EEA cards all fall into this category.

PayPal UK rates vary by volume tier: from ~2.9% for low-volume sellers down to ~1.2% for high-volume merchants. For a typical £100 transaction, Stripe (£1.70 fee) is often cheaper than PayPal standard. See our full comparison.

Yes. UK businesses processing over approximately £50,000/month can contact Stripe's enterprise sales team to negotiate custom pricing. Stripe offers interchange-plus pricing for eligible merchants.

Yes. Stripe supports BACS Direct Debit at 1% with a £2 cap per transaction — extremely cost-effective for recurring UK B2B payments over £200, far cheaper than card processing for large invoices.