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Stripe

Stripe Fee Calculator (United Kingdom)

Calculate exact Stripe United Kingdom merchant fees, processor losses, and net payouts in GBP.

Verified 2026-08-01 • Official Stripe Rates
£
£5 £500 £1,000 £2,500
Presets:
Model: 1.5% + £0.2
Summary
Your Net Payout
£96.80
Stripe Fee
£3.20
Effective Rate
3.20%
Net (96.8%) Fee (3.2%)
Strategic Partner • Wise Business

Receiving foreign currency through Stripe UK?

Avoid Stripe's 2% currency conversion markup by pairing Stripe UK with a Wise Business multi-currency account.

Open Wise Business Account →

Monthly Volume Breakdown

Estimated cumulative fee losses on Stripe across monthly sales tiers in GBP.

Volume Tier Monthly Sales Stripe Fees Net Take-Home Payout Effective Cost %
Starter £500.00 -£11.50 £488.50 2.30%
SMB Merchant £2,500.00 -£43.73 £2,431.28 1.77%
Mid-Market Store £10,000.00 -£166.00 £9,794.00 1.67%
High-Volume Enterprise £50,000.00 -£790.00 £49,210.00 1.58%

Example Transaction Scenarios

Real-world math illustrating how Stripe fees perform under different order sizes.

Small Purchase (£15)

Sale Amount: £15.00
Stripe Fee: -£0.43 (2.83%)
Net Payout: £14.57

The 20p fixed fee represents roughly 1.33% of the total order value.

Standard Basket (£85)

Sale Amount: £85.00
Stripe Fee: -£1.48 (1.74%)
Net Payout: £83.52

Competitive local rate benefit showing low fee overhead for UK store owners.

Agency Retainer (£1,200)

Sale Amount: £1200.00
Stripe Fee: -£18.20 (1.52%)
Net Payout: £1181.80

Near-optimal 1.5% processing efficiency achieved on high invoice totals.

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Important Stripe Rate Terms & Fine Print

  • • Non-UK EEA cards incur a 2.5% + 20p rate, while international cards outside the EEA incur 3.2% + 20p.
  • • Currency conversion fees add 2.0% on top of base transaction processing.

Regulatory Context & Calculation Methodology

Localized Regulatory Context (United Kingdom)

In the UK, domestic standard card processing is significantly lower than the US, starting at 1.5% + 20p for UK consumer cards, thanks to interchange fee caps retained under UK payment regulations.

How the Stripe United Kingdom Calculation Works

When processing a transaction on Stripe in United Kingdom, the total fee is computed using a combination of a fixed transaction charge (£0.2) and a percentage fee (1.5%).

Total Fee = (Gross Sale × 1.5%) + £0.2
Net Payout = Gross Sale - Total Fee
Effective Rate (%) = (Total Fee / Gross Sale) × 100

Frequently Asked Questions

Common merchant processing questions and rate card rules.

What is the Stripe UK fee for a £100 sale?
For a standard UK consumer card, Stripe charges 1.5% (£1.50) plus a 20p fixed fee. Total fee is £1.70, giving a net payout of £98.30.
Why are Stripe UK processing fees lower than Stripe US?
UK card processing benefit from European Interchange Fee Regulation caps, which limit consumer debit card interchange to 0.2% and credit cards to 0.3%, keeping processor base costs lower.
How much does Stripe charge for cross-border cards in the UK?
Stripe UK charges 2.5% + 20p for EEA cards, and 3.2% + 20p for international non-EEA cards. If currency conversion is required, an additional 2.0% FX fee applies.
Can I pass credit card processing fees to buyers in the UK?
No. Under the UK Consumer Rights (Payment Surcharges) Regulations, merchants are legally prohibited from surcharging consumer credit or debit card payments.