Stripe
£254/mo est.
- In-person rate
- 1.4% + 10p
- Online rate
- 1.5% + 20p
- Monthly fee
- £0/mo
- Terminal cost
- —
- Contract length
- No contract
- Settlement time
- —
- Est. monthly cost
- £254/mo
Stripe
Industry-standard online payments and developer-friendly APIs.
- In-person rate
- 1.4% + 10p
- Online rate
- 1.5% + 20p
- Monthly fee
- £0/mo
- Contract
- No contract
Best for
Online businesses, marketplaces, and SaaS companies.
Pricing breakdown
All prices in GBPLast verified 19 June 2026Every fee we track, grouped by where it applies.
In-person payments
In-person terminal and tap-to-pay transactions.
- Transaction rate
- 1.4% + 10p
EEA cards via Stripe Terminal. Non-EEA cards: 2.9% + 10p.
- Monthly fee
- £0/mo
- Setup fee
- Free
Online payments
Online checkout and keyed-in card transactions.
- Transaction rate
- 1.5% + 20p
Standard UK cards online. Premium UK: 1.9% + 20p. EU/EEA: 2.5% + 20p. Non-EEA: 3.25% + 20p.
- Monthly fee
- £0/mo
- Setup fee
- Free
Other fees
- Chargeback fee
- £20
Confirmed on stripe.com/gb/pricing (official).
- AMEX rate
- Same as card type
No separate Amex rate; Amex is priced as standard/premium UK card at 1.4%-1.9% + 10p in-person.
- International card surcharge
- +1.75% approx (non-EEA)
Standard UK 1.5% vs international non-EEA 3.25%; approx +1.75% surcharge.
- Early termination fee
- None
No lock-in contracts.
- Instant payout fee
- 1% min 40p
Stripe Instant Payouts; confirmed on stripe.com/gb/pricing.
- Refund fee
- Free
Standard refunds incur no additional fee (original processing fee not returned).
- PCI compliance fee
- Included free (E2EE)
P2PE available at +4p per transaction.
Contract terms
- Contract length
- No contract
- Recurring billing
- Yes
Stripe Billing is industry-leading for subscriptions.
Accepted payment methods
Cards, wallets, and other methods supported by Stripe for UK merchants.
Cards
- Visa
- Mastercard
- EFTPOS
- AMEX
- UnionPay
- JCB
- Diners Club
Digital wallets
- Apple Pay
- Google Pay
Buy now, pay later
- Clearpay
- Klarna
- Zip
Other
- Alipay
- WeChat Pay
- Direct Debit
Strengths and trade-offs
Pros
- Best-in-class API and developer experience
- No monthly or setup fees
- Powerful subscription billing
Cons
- Higher in-person rate than dedicated EFTPOS providers
- No retail-first hardware experience
About Stripe
Stripe focuses on online and developer-integrated payments. Strong for e-commerce, subscriptions, and SaaS. Stripe Terminal available for in-person.
Stripe was founded in 2010 and is headquartered in San Francisco, USA.
How Stripe compares
Side-by-side with the closest alternatives by estimated cost.
Assumes £15,000/mo volume, £50 average transaction, 70% in-person and 30% online.
Square
£269/mo est.
- In-person rate
- 1.75%
- Online rate
- 1.4% + 25p
- Monthly fee
- £0/mo (Free plan)
- Terminal cost
- —
- Contract length
- No contract
- Settlement time
- —
- Est. monthly cost
- £269/mo
TYL by NatWest
£224/mo est.
- In-person rate
- 1.39% + 5p
- Online rate
- 1.39% + 5p (no CNP extra)
- Monthly fee
- No service fee
- Terminal cost
- —
- Contract length
- 12 months
- Settlement time
- —
- Est. monthly cost
- £224/mo
SumUp
£290/mo est.
- In-person rate
- 1.69%
- Online rate
- 2.5%
- Monthly fee
- £0/mo
- Terminal cost
- —
- Contract length
- No contract
- Settlement time
- —
- Est. monthly cost
- £290/mo
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