Global payments platform with a published UK online card rate, plus in-person acceptance via the M90 terminal and SoftPOS, priced by quote.
Best for
UK businesses that want in-person and online card acceptance alongside multi-currency accounts, FX and global payouts on one platform.
Every fee we track, grouped by where it applies.
In-person terminal and tap-to-pay transactions.
Airwallex sells in-person acceptance in the UK via the M90 terminal and SoftPOS (both live in the UK today), but the UK Fee Schedule publishes no card-present / in-person rate: only a blended rate for UK Cards (1.30%), EEA Cards (2.40%), International Cards (3.15%) and Amex (2.40%), all scoped by card ORIGIN, not by in-person/online channel, and the schedule is silent on POS entirely (zero mentions of "card present", "Terminal Fee", "M90" or "SoftPOS"). Not inferred from the online rate. Source: airwallex.com/en-uk/terms/fee-schedule and airwallex.com/en-uk/payments/pos-payments, read 2026-07-16 (personally verified in browser; en-uk locale confirmed by the FCA FRN 900876 footer entity on both pages).
Explore Tier subscription is £0 or £19/mo, waived to £0/mo if the customer deposits at least £10k/mo (bank deposits, direct debits or payment acceptance volume) or holds a minimum combined wallet balance of £10k at month end; a free 1-month trial is also offered. Grow Tier is £49/mo, Accelerate from £999/mo, Custom Tier is bespoke. All exclusive of VAT. Source: airwallex.com/en-uk/pricing and airwallex.com/en-uk/terms/fee-schedule (Fee Schedule, UK Customers, last updated 12 September 2025), read 2026-07-16.
Airwallex sells the M90 terminal and app-based SoftPOS in the UK (both live today), but publishes no hardware purchase or rental price on its pricing page, Fee Schedule, or POS Payments product page. Source: airwallex.com/en-uk/payments/pos-payments and airwallex.com/en-uk/pricing, checked 2026-07-16.
No setup fee is listed in the UK Fee Schedule; the "Other Fees & Charges" section lists only an unpriced API Integration Set Up Fee ("To be advised") for bespoke integrations, not a standard onboarding fee. Source: airwallex.com/en-uk/terms/fee-schedule, read 2026-07-16.
Online checkout and keyed-in card transactions.
UK Cards (Visa, Mastercard, Diners, Discover): 1.30% per transaction, blended, plus a flat GBP 0.20 Gateway Fee (incl. fraud & 3DS) per attempted or actual transaction. EEA Cards 2.40%; International Cards (Visa, Mastercard, Diners, Discover, UnionPay) 3.15%; Amex 2.40% (see transaction_rate_amex). All fees VAT exclusive. For interchange++ pricing, Airwallex says to contact its sales team. Source: airwallex.com/en-uk/terms/fee-schedule, read 2026-07-16.
Explore Tier subscription is £0 or £19/mo, waived to £0/mo if the customer deposits at least £10k/mo (bank deposits, direct debits or payment acceptance volume) or holds a minimum combined wallet balance of £10k at month end; a free 1-month trial is also offered. Grow Tier is £49/mo, Accelerate from £999/mo, Custom Tier is bespoke. All exclusive of VAT. Source: airwallex.com/en-uk/pricing and airwallex.com/en-uk/terms/fee-schedule (Fee Schedule, UK Customers, last updated 12 September 2025), read 2026-07-16.
No setup fee is listed in the UK Fee Schedule; the "Other Fees & Charges" section lists only an unpriced API Integration Set Up Fee ("To be advised") for bespoke integrations, not a standard onboarding fee. Source: airwallex.com/en-uk/terms/fee-schedule, read 2026-07-16.
Chargeback Fee: GBP 15 per Chargeback request. A separate Success Fee of 25% of the disputed amount (max USD 200) applies only when the AI Dispute Automation product wins a challenge. Source: airwallex.com/en-uk/terms/fee-schedule, read 2026-07-16.
Amex cards: 2.40% per transaction, confirmed in both the UK Fee Schedule ("3. Payment Method Fees (Blended)") and the Checkout product page's "Other card networks" row ("Amex cards: 2.40% + £0.20"). Note the same Checkout page's summary "Domestic Cards" row bundles Amex into the 1.30% UK-card rate, which contradicts the two more detailed sources; the detailed Fee Schedule and the explicit per-network breakdown are used here as the more authoritative figures. Source: airwallex.com/en-uk/terms/fee-schedule and airwallex.com/en-uk/payments/checkout, read 2026-07-16.
International Cards (Visa, Mastercard, Diners, Discover, UnionPay) are 3.15% versus 1.30% for UK Cards, a 1.85 percentage-point difference; EEA Cards sit in between at 2.40%. A separate 1.00% Foreign Currency Settlement Fee and/or 2.00% FX Conversion Fee also apply where currency conversion is involved. Source: airwallex.com/en-uk/terms/fee-schedule, read 2026-07-16.
No early-termination or exit fee is published in the UK Fee Schedule or on the pricing page. Source: airwallex.com/en-uk/terms/fee-schedule, checked 2026-07-16.
No instant or same-day payout product for card-processing settlement was found on the UK Fee Schedule or pricing page (unlike the US Fee Schedule, which describes an Accelerated Settlement fee). Source: airwallex.com/en-uk/terms/fee-schedule, checked 2026-07-16.
Refund Fee: GBP 0.20 per Refund request. Source: airwallex.com/en-uk/terms/fee-schedule, read 2026-07-16.
No PCI compliance fee appears anywhere in the UK Fee Schedule; Airwallex states its platform meets PCI DSS, SOC1 and SOC2 compliance as standard. Source: airwallex.com/en-uk/terms/fee-schedule, read 2026-07-16.
Explore, Grow and Accelerate are recurring monthly subscription tiers; no minimum contract term is published on the pricing page or Fee Schedule for the subscription or payment-acceptance fees. Source: airwallex.com/en-uk/pricing and airwallex.com/en-uk/terms/fee-schedule, read 2026-07-16.
No standard settlement timeframe is published on the UK pricing page, Fee Schedule, Checkout product page, or POS Payments page. Source: airwallex.com/en-uk/terms/fee-schedule, airwallex.com/en-uk/pricing, airwallex.com/en-uk/payments/checkout, checked 2026-07-16.
Subscription Management: collect recurring subscription payments from your customers, charged at 0.50% per successful transaction. Source: airwallex.com/en-uk/terms/fee-schedule and airwallex.com/en-uk/pricing, read 2026-07-16.
Cards, wallets, and other methods supported by Airwallex for UK merchants.
Airwallex is a Melbourne-founded global payments and banking platform, regulated in the UK as an authorised Electronic Money Institution (Airwallex (UK) Limited, FCA FRN 900876). It publishes a transparent blended online card rate (1.30% for UK Visa, Mastercard, Diners and Discover cards, plus a flat 20p gateway fee) and also sells in-person acceptance through the M90 countertop/handheld terminal and app-based SoftPOS Tap to Pay, both live in the UK today. Neither the in-person card-present rate nor hardware pricing is published, so that side of the business is quote-only. Airwallex is built for businesses that also want multi-currency accounts, FX and global payouts alongside card acceptance.
Airwallex was founded in 2015 and is headquartered in Melbourne, Australia.
Side-by-side with the closest alternatives by estimated cost.
Assumes £15,000/mo volume, £50 average transaction, 70% in-person and 30% online.
Airwallex
Elavon
£186/mo est.
myPOS
£202/mo est.
Zeller
£204/mo est.
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