Payment fees
Stripe Fee Calculator UK
Stripe charges 1.5% + 20p for a standard online payment with a UK-issued card — so a £100 charge costs £1.70 in fees and pays out £98.30. European cards cost 2.5% + 20p. Enter your amount below for the exact fee, your net payout and the effective rate, in pounds.
How much does Stripe charge in the UK?
Stripe’s standard UK price is 1.5% + 20p per online payment with a UK-issued card, and 2.5% + 20p for cards issued in the European Economic Area. On £100 that is a fee of £1.70 with a UK card or £2.70 with a European card, leaving you £98.30 or £97.30. There is no monthly fee on standard UK pricing.
How it works
Stripe’s standard UK pricing follows the same shape as everywhere else — a percentage plus a fixed fee per payment — but the percentages are lower than in the US, and they depend on where the customer’s card was issued. Whether you searched for Stripe fees UK, a Stripe charge calculator or Stripe pricing in pounds, this is the calculation you need:
Stripe fee (UK card) = charge amount × 1.5% + 20pStripe fee (European card) = charge amount × 2.5% + 20pYou receive = charge amount − Stripe feeCards issued outside the UK and Europe are charged at a higher rate again, and converting a payment made in another currency into pounds adds a conversion fee — Stripe’s UK pricing page lists the current figures for both. The reverse mode above rearranges the formula — charge = (amount you want + 20p) ÷ (1 − rate) — so you can price a job or product to land an exact amount after fees.
Rates used by this calculator
| Card type | Stripe UK rate | Fee on £100 |
|---|---|---|
| UK-issued card | 1.5% + 20p | £1.70 |
| European (EEA) card | 2.5% + 20p | £2.70 |
Source: Stripe’s official UK pricing page (stripe.com/gb/pricing). Last verified: November 2026
Worked examples
Example 1 — a £100 online sale paid with a UK card
| Charge amount | £100.00 |
| Stripe fee (1.5% + 20p) | £1.70 |
| You receive | £98.30 |
| Effective fee rate | 1.70% |
Example 2 — a £250 sale paid with a European card
| Charge amount | £250.00 |
| Stripe fee (2.5% + 20p) | £6.45 |
| You receive | £243.55 |
| Effective fee rate | 2.58% |
At larger amounts the 20p fixed fee fades and the effective rate approaches the headline 2.5%.
Example 3 — you need exactly £200 to land in your account (reverse mode, UK card)
| You should charge | £203.25 |
| Stripe fee (1.5% + 20p) | £3.25 |
| You receive | £200.00 |
| Effective fee rate | 1.60% |
When these fees apply — and the limitations
This calculator covers Stripe’s standard UK pricing for online card payments. Keep in mind:
- Cards issued outside the UK and EEA are charged more than the European rate shown here — check Stripe’s UK pricing page for the current international rate before quoting on a sale you know will be paid from overseas.
- If a customer pays in a currency other than pounds and Stripe converts it for you, a currency conversion fee applies on top of the card rate.
- In-person payments via Stripe Terminal, and add-on products such as Stripe Billing and Radar, are priced separately.
- Businesses processing high volumes can be on custom pricing that differs from the standard rates used here.
Refunds do not return the original processing fee, and disputed payments carry a dispute fee. Confirm the current figures on Stripe’s own UK pricing page before making pricing decisions.
Comparing your options
The usual UK comparison is Stripe vs PayPal: PayPal’s standard UK commercial rate is 2.9% + 30p — nearly double Stripe’s percentage — so on a £100 payment PayPal keeps £3.20 against Stripe’s £1.70. Try your own figures in the PayPal fee calculator UK. If most of your customers are in the United States, compare with the US rates on the Stripe fee calculator instead.
Frequently asked questions
How much does Stripe charge in the UK?
Stripe’s standard UK pricing is 1.5% + 20p per online payment with a UK-issued card, and 2.5% + 20p for cards issued in the European Economic Area. On a £100 payment that is a fee of £1.70 (UK card) or £2.70 (European card).
Why is Stripe cheaper in the UK than in the US?
Mainly because of interchange costs. Card networks charge merchants much less to process cards issued in the UK and Europe — where interchange fees are capped by regulation — than cards issued in the US. Stripe’s standard US rate is 2.9% + $0.30, compared with 1.5% + 20p in the UK.
Does Stripe UK charge a monthly fee?
No. Standard Stripe pricing in the UK has no monthly or setup fee; you pay per transaction only. Paid extras like Stripe Billing, Radar and premium support are charged separately if you use them.
How do I work out what to charge so I receive a set amount?
Use the reverse mode above. The maths is: charge = (amount you want + £0.20) ÷ (1 − 0.015) for a UK card. To receive £200, for example, you charge £203.25, the fee is £3.25, and exactly £200.00 lands in your balance.
Are Stripe’s UK fees charged on the full amount including VAT?
Yes — like all card processors, Stripe calculates its fee on the total amount the customer pays, including any VAT and shipping you charge. The fee itself is also subject to VAT treatment depending on your circumstances; your accountant can confirm how it applies to your business.
Related calculators
Estimates only. Platforms can change their fees at any time; always confirm the rate on the platform’s own pricing page before making pricing decisions. ToolFees is not affiliated with the platform named on this page.