Stripe UK fees
Stripe’s UK pricing for online card payments (Stripe UK pricing):
- Standard UK cards: 1.5% + 20p.
- EEA cards: 2.5% + 20p.
- UK business cards: 2.8% + 20p.
- Other international cards: 3.15% + 20p.
Bank payments are cheaper still:
- Pay by Bank: 0.5% + 20p, capped at £5.
- Bacs Direct Debit: 1%, at least 20p and at most £4.
| £100 payment | Fees | Fee rate | You keep |
|---|---|---|---|
| Standard UK card | £1.70 | 1.70% | £98.30 |
| UK business card | £3.00 | 3.00% | £97.00 |
| EEA card | £2.70 | 2.70% | £97.30 |
| Other international card | £3.35 | 3.35% | £96.65 |
| Pay by Bank | £0.70 | 0.70% | £99.30 |
| Bacs Direct Debit | £1.00 | 1.00% | £99.00 |
What moves your Stripe fee
Card origin matters most. The same £100 costs £1.70 from a UK personal card, £2.70 from an EEA card and £3.35 from a card issued elsewhere, and you can’t choose which card the customer uses. If many of your customers pay large invoices, offering Pay by Bank (capped at £5) or Bacs (capped at £4) caps the fee completely.
Stripe adds a fee if it converts currency, and disputes cost £20 each. Both are in the calculator’s options.
A £30 example
A £30 payment on a UK personal card costs £0.65 (1.5% + 20p) and leaves £29.35. The fixed 20p is the bigger share on small payments: on £5 it’s 4% before the percentage. For larger invoices, Pay by Bank is capped at £5 and Bacs at £4, which is why subscription and B2B businesses often prefer them (Stripe UK pricing).
| Fee | Amount | Charged on | When |
|---|---|---|---|
| Online card or wallet | 1.5% + £0.20 | The whole payment | Personal (standard) card issued in the UKsource |
| Premium (business) card | 2.8% + £0.20 | The whole payment | Business, corporate or commercial Visa / Mastercard from the UKsource |
| EEA card | 2.5% + £0.20 | The whole payment | Card issued in the European Economic Areasource |
| International card | 3.15% + £0.20 | The whole payment | Card issued outside the UK and EEAsource |
| Currency conversion | +2% | The converted amount | Customer pays in another currencysource |
| Pay by Bank | 0.5% + £0.20, max £5.00 | The whole payment | Per successful paymentsource |
| Bacs Direct Debit | 1%, min £0.20, max £4.00 | The whole payment | Per successful paymentsource |
| Klarna (customer in the UK) | 4.99% + £0.35 | The whole payment | Per successful paymentsource |
| Clearpay | 6% + £0.30 | The whole payment | Per successful paymentsource |
| In person (Terminal) | 1.4% + £0.10 (2.9% + £0.10 intl) | The whole payment | Tap to Pay on a phone adds £0.10source |
| Stripe Billing | 0.7% | Subscription (Billing) payments | If you bill subscriptions through Stripesource |
| Stripe Invoicing | 0.4% Starter / 0.5% Plus | Paid one-off invoices | If you send invoices through Stripesource |
| Post-payment invoice | 0.4%, max US$2.00 | One-off Checkout / Payment Link purchases | If automatic invoices are onsource |
| Stripe Tax (Basic) | 0.5% no-code / £0.40 per API transaction | The total including tax | Where you’re registered to collect taxsource |
| Radar | Lite free; Standard £0.04, Plus £0.06, Pro £0.08 | Each screened payment | Paid tiers onlysource |
| Instant Payout | 1%, min £0.40 | The amount paid out | Only if you choose an instant payoutsource |
| Dispute | £20.00 + £20.00 if you respond | Each card dispute | Response fee returned if you winsource |
| Smart Disputes | 30% | The disputed amount | Only disputes won with Smart Disputessource |
| Refund | No extra fee | Card refunds | Original processing fee isn’t returnedsource |
Comparing with PayPal? Run the same amount through the PayPal fee calculator UK. US account? Use the Stripe fee calculator.