Stripe Fee Calculator UK 2026:
Exact Fees in Pounds (£)
This free Stripe UK Fee Calculator gives UK businesses their exact payout in GBP after all Stripe fees are deducted — including the standard 1.5% + £0.20 domestic rate, EU card surcharges, and currency conversion costs.
UK Stripe fees are lower than US rates — but post-Brexit, UK businesses face a two-tier card system that no generic calculator accounts for. This calculator uses UK-specific 2026 rates verified from Stripe's official pricing page.
- UK domestic cards: 1.5% + £0.20 per transaction
- EU/EEA cards: 2.5% + £0.20 (post-Brexit surcharge)
- Non-EEA international cards: +1.5% surcharge
- Currency conversion: +1% when settling in non-GBP
- Chargeback fee: £15 per dispute
Total Stripe fees: £0.00
Stripe UK Fees Explained (2026)
UK Stripe fees operate on a two-tier card system that is unique to the UK market post-Brexit. The rate you pay depends entirely on where your customer's card was issued — not where they live or where they are paying from.
| Card Type | Stripe UK Rate | When It Applies | Example on £100 |
|---|---|---|---|
| 🇬🇧 UK domestic card | 1.5% + £0.20 | Card issued by a UK bank (Barclays, HSBC, Lloyds etc.) | £1.70 total fees |
| 🇪🇺 EU / EEA card | 2.5% + £0.20 | Card issued in EU/EEA country (Germany, France, Ireland etc.) — post-Brexit surcharge | £2.70 total fees |
| 🌍 Non-EEA intl card | 3.0% + £0.20 | Card issued outside UK and EEA (US, Australia, Canada etc.) — base 1.5% + 1.5% surcharge | £3.20 total fees |
| 💳 Currency conversion | +1% | When payment currency differs from GBP settlement | +£1.00 |
| ⚠️ Chargeback | £15 per dispute | When a buyer disputes a charge — refunded if you win | £15.00 |
| 🔁 Stripe Billing | +0.7% | Subscription management via Stripe Billing (pay-as-you-go) | +£0.70 |
Rates verified from Stripe official UK pricing, updated March 2026. Always confirm at stripe.com/gb/pricing before pricing decisions.
Real Examples: What UK Businesses Actually Pay
Here are four real scenarios that UK businesses encounter. The difference between a UK card and an EU card on the same sale is significant — especially for SaaS and ecommerce businesses with European customers.
Example 1 — £50 sale, UK buyer (domestic card)
Example 2 — £50 sale, German buyer (EU card, post-Brexit)
The EU card costs you £0.25 more per transaction — £3 more per year for a monthly subscriber. For a SaaS with 500 European subscribers, that is £1,500/year in additional fees vs UK domestic customers.
Example 3 — £200 ecommerce sale, US buyer (international card)
Example 4 — £200 sale, US buyer paying in USD (currency conversion)
Pricing in GBP and asking international buyers to pay in pounds saves the 1% conversion fee. On £200,000/year of international revenue, that is £2,000 saved.
What Percentage Does Stripe Take in the UK?
Stripe takes 1.5% of each domestic UK card transaction plus a fixed £0.20 per payment. The percentage alone does not tell the full story — the effective rate (total fees as a percentage of the sale) changes with transaction size because the fixed £0.20 always applies regardless of amount.
| Sale Amount (£) | Stripe Fee | You Receive | Effective Rate |
|---|---|---|---|
| £10 | £0.35 | £9.65 | 3.5% |
| £25 | £0.58 | £24.42 | 2.3% |
| £50 | £0.95 | £49.05 | 1.9% |
| £100 | £1.70 | £98.30 | 1.7% |
| £250 | £3.95 | £246.05 | 1.58% |
| £500 | £7.70 | £492.30 | 1.54% |
| £1,000 | £15.20 | £984.80 | 1.52% |
The fixed £0.20 per transaction makes Stripe proportionally more expensive on small sales. For transactions under £15, the effective rate exceeds 3%. For transactions above £100 it approaches the base 1.5%. Stripe is best suited to businesses with average order values of £30 or more.
For EU/EEA cards the base percentage rises to 2.5%, and for non-EEA international cards it is 3.0% — both still include the same fixed £0.20 charge. Use the calculator above to see your exact effective rate for any amount and card type.
How Are Stripe Fees Calculated in the UK?
Stripe calculates fees automatically on every successful transaction using a simple two-part formula. You never set the rate manually — Stripe detects the card type at the point of payment and applies the correct rate instantly.
How Stripe determines the card type
Stripe reads the BIN (Bank Identification Number) — the first six digits of the card number — at the moment of payment. This tells Stripe which country and bank issued the card. Stripe then automatically applies the correct rate:
- BIN registered to a UK bank → 1.5% + £0.20
- BIN registered to an EU/EEA bank → 2.5% + £0.20 (post-Brexit rule)
- BIN registered outside UK and EEA → 3.0% + £0.20
Where to see the fee breakdown
Every fee is visible in your Stripe Dashboard. Go to Payments → select any payment → Fee details. You will see the base rate, fixed fee, any surcharges, and the net amount deposited. Stripe also provides a downloadable CSV of all transactions and fees under Reports → Itemised balance — useful for bookkeeping and VAT reconciliation.
How Are Stripe Fees Paid — When Does Stripe Collect?
Stripe collects its fees by deducting them from each transaction before paying out the net amount to your UK bank account. You never pay Stripe directly — there is no invoice, no direct debit, and no separate fee payment. The fee comes out of the payment itself.
UK payout schedule
| Account Stage | Payout Schedule | Notes |
|---|---|---|
| New UK account | 7-day rolling | Standard for all new accounts during initial review period |
| Verified UK account | 2-day rolling (T+2) | Available after identity and business verification |
| Instant Payouts | Within minutes | 1% fee (min £1.00) — requires eligible UK debit card on file |
What appears on your bank statement
Stripe payouts appear on your bank statement as STRIPE, STRIPE PAYOUT, or STRIPE PAYMENTS. The amount deposited is always the net figure after fees. Multiple transactions are batched into a single daily or weekly payout depending on your schedule setting.
On your customer's bank statement, payments appear as your business name as configured in Stripe Dashboard → Settings → Business → Statement descriptor. Maximum 22 characters. To change it, edit the descriptor field — changes apply to future transactions only.
What Are Stripe Checkout Fees in the UK?
Stripe Checkout is Stripe's hosted payment page — a pre-built, conversion-optimised checkout you redirect customers to rather than building your own. The fees for Stripe Checkout are identical to standard Stripe processing fees. There is no extra charge for using the hosted page.
| Payment Method via Stripe Checkout | UK Fee | Notes |
|---|---|---|
| UK debit / credit card | 1.5% + £0.20 | Standard domestic rate |
| EU / EEA card | 2.5% + £0.20 | Post-Brexit surcharge applies |
| International card (non-EEA) | 3.0% + £0.20 | 1.5% base + 1.5% cross-border surcharge |
| Apple Pay / Google Pay | 1.5% + £0.20 | Same as card — wallet method has no extra fee |
| BACS Direct Debit | 1% (capped £4) | UK bank-to-bank — cheapest method available |
| Stripe Link (saved card) | Reduced rate | Lower rate for returning Stripe Link users — see Dashboard for current rate |
What Stripe Checkout includes at no extra cost
- 3D Secure (SCA) — automatically applied where required under UK Strong Customer Authentication rules
- Address collection — billing and shipping address fields built in
- Tax collection — automatic UK VAT calculation if you enable Stripe Tax
- Coupon / discount codes — built-in promo code support
- Mobile-optimised layout — no extra configuration needed
Note: Stripe Checkout is a redirect-based page. If you want an embedded checkout within your own page (no redirect), use Stripe Elements or the Payment Element — same fees apply.
Why UK Stripe Fees Are Structured the Way They Are
Before Brexit, UK businesses could accept EU cards at the same domestic rate as UK cards under the EU's Interchange Fee Regulation (IFR). Since January 2021, UK accounts no longer benefit from this cap when processing EU-issued cards.
The result is a fee structure unlike any other Stripe market:
- UK cards — regulated under UK domestic interchange rules — 1.5% + £0.20
- EEA cards — treated as cross-border since Brexit — 2.5% + £0.20
- All other international cards — 1.5% base + 1.5% international surcharge = 3.0% + £0.20
For UK businesses with primarily UK customers, Stripe's 1.5% rate is one of the lowest in the world — significantly cheaper than the US (2.9%) and Canada (2.9%). The issue arises for businesses with European customers, where the 2.5% rate erodes some of that advantage.
Who is most affected by the EU card surcharge?
- SaaS businesses with European subscribers
- Digital product sellers serving EU customers
- B2B services invoicing EU companies
- UK ecommerce stores with EU buyer bases
How to reduce the EU card cost
- If you have significant EU revenue (£100k+/year), a separate Stripe account registered in an EU country processes EU cards at 1.5% — consult a payment specialist before doing this
- For recurring billing, consider whether UK-entity customers can pay via bank transfer (Stripe's pay-by-bank feature — UK only — has no card network interchange component)
- Factor 2.5% into your EU pricing from the start rather than absorbing it as a margin hit
Stripe UK vs PayPal UK — Which Is Cheaper?
For most UK businesses processing domestic transactions, Stripe is significantly cheaper than PayPal. The gap widens on higher transaction values.
| Scenario | Stripe UK | PayPal UK | Saving with Stripe |
|---|---|---|---|
| £50 domestic sale | £0.95 | £1.75 | £0.80 per sale |
| £100 domestic sale | £1.70 | £3.20 | £1.50 per sale |
| £200 domestic sale | £3.20 | £6.10 | £2.90 per sale |
| £50 sale, EU buyer | £1.45 | £2.10 (EEA rate) | £0.65 per sale |
| £50 sale, US buyer | £1.95 | £2.75 (non-EEA) | £0.80 per sale |
PayPal UK rate: 2.9% + £0.30 domestic. Stripe UK rate: 1.5% + £0.20 domestic. For a UK business processing £10,000/month, switching from PayPal to Stripe saves approximately £150/month — £1,800/year. See our full Stripe vs PayPal UK comparison →
How UK Stripe Rates Compare Globally
UK businesses often work with international payment processors and clients. Understanding where UK rates sit globally helps you price for cross-border transactions and evaluate processor alternatives.
| Country | Domestic Rate | vs UK |
|---|---|---|
| 🇬🇧 United Kingdom | 1.5% + £0.20 | — |
| 🇪🇺 Europe (EEA) | 1.5% + €0.25 | Similar |
| 🇦🇺 Australia | 1.75% + A$0.30 | Slightly higher % |
| 🇺🇸 United States | 2.9% + $0.30 | Almost double UK rate |
| 🇨🇦 Canada | 2.9% + C$0.30 | Almost double UK rate |
UK businesses have some of the lowest domestic Stripe rates in the world, benefiting from UK interchange regulations. For the complete global breakdown, read our Stripe Fees by Country 2026 guide →
Stripe calculators by country
Calculate Stripe Fees for Other Countries
Stripe fees differ significantly by country. Use a country-specific calculator for accurate results.
Frequently Asked Questions — Stripe UK Fees 2026
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Fee calculations are estimates based on Stripe's publicly available UK pricing as of March 2026. Always verify at stripe.com/gb/pricing before making business decisions. See our full disclaimer.