Stripe logo

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 5 August 2026

Every 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
Hardware cost
WisePad 3 £49 / Reader S700 £229 (excl VAT)
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
Settlement time
T+3 standard (new accounts T+7); instant at 1% min 40p
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.

Stripe logo

Stripe

£253.50/mo est.

In-person rate
1.4% + 10p
Online rate
1.5% + 20p
Monthly fee
£0/mo
Hardware cost
WisePad 3 £49 / Reader S700 £229 (excl VAT)
Contract length
No contract
Settlement time
T+3 standard (new accounts T+7); instant at 1% min 40p
Est. monthly cost
£253.50/mo
Square logo

Square

£269.25/mo est.

In-person rate
1.75%
Online rate
1.4% + 25p
Monthly fee
£0/mo (Free plan)
Hardware cost
Reader £19 / Stand £99 / Terminal £149 / Register £699 (excl VAT)
Contract length
No contract
Settlement time
Next business day (instant at 1.5% fee)
Est. monthly cost
£269.25/mo
TYL by NatWest logo

TYL by NatWest

£223.50/mo est.

In-person rate
1.39% + 5p
Online rate
1.39% + 5p (no CNP extra)
Monthly fee
No service fee
Hardware cost
Device hire from £13.99+VAT/mo (A920 Pro £19.99, A80 £13.99, A50 £14.99, Tap-to-Pay £0)
Contract length
12 months
Settlement time
Next business day
Est. monthly cost
£223.50/mo
SumUp logo

SumUp

£289.95/mo est.

In-person rate
1.69%
Online rate
2.5%
Monthly fee
£0/mo
Hardware cost
Solo Lite £25 / Solo £79 / Tap-to-Pay £0 (excl VAT)
Contract length
No contract
Settlement time
Next business day (including weekends with SumUp business account)
Est. monthly cost
£289.95/mo

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