How Much Are Stripe Fees in the UK?

By Olivia Johnson - Trusted UK Business Expert

Last Updated 10th of May 2025

4 minute read

If you’re running a business in the UK and using Stripe to take payments, understanding the fees is key to managing your costs. We’ve helped many business owners understand how Stripe works, and we can help you too.

Stripe fees in the UK are 1.5% + 20p for UK cards and 2.5% + 20p for European cards. International cards are charged 3.25% + 20p. Extra fees apply for currency conversion and some optional services.

Stripe’s pricing is clear, but there are extras you should know. In this blog, we explain all Stripe fees in the UK and how they affect your business. Let’s break it down in simple words.

Understand Stripe fees before you sign up. Discover the current rates for card payments and transactions in the UK. Get started below.

What Are Stripe Fees in the UK?

Stripe is a popular online payment system that helps businesses take payments from customers. It works with many types of cards and even other payment methods like Apple Pay and Google Pay. But like any payment system, Stripe charges fees. These fees can vary based on where the card is from, what currency is used, and what extra services you pick.

Let’s look at the full list of Stripe Fees in the UK and understand what they mean for your business.

How Stripe Fees Work

Stripe charges a fee every time you take a payment. This is called a transaction fee. The amount depends on:

• Where the card is from (UK, EU, or international)
• What currency is used
• If it’s an online or in-person payment
• Extra services (like invoicing or currency conversion)

Let’s go over the fees in detail.

Stripe Fees in the UK: Full Breakdown

Here is a full table of Stripe Fees in the UK as of 2025:

These fees are the standard ones for UK businesses using Stripe.

Extra Services That Cost More

Stripe also offers other features. Some are free. Others come with extra fees:

• Stripe Billing (for subscriptions): Starts at 0.5% per recurring payment
• Instant Payouts: 1% of payout amount (minimum 50p)
• Connect (for platforms or marketplaces): From 0.25% per transaction
• Radar (fraud protection): Free basic plan, or £0.05 per screened transaction for advanced plan

These services can make life easier but will increase your cost.

Are Stripe Fees in the UK Good Value?

Many UK businesses use Stripe because it is easy to set up, trusted, and works well. But it is not the cheapest option for every business. If most of your payments are from UK customers, Stripe is affordable. If you get many international payments, the fees add up fast.

Some things to think about:

• Simple setup: Stripe is good for people without much tech knowledge.
• No monthly fee: Stripe only charges when you make a sale.
• Extra fees: Make sure you understand all costs, not just the basic ones.

How to Lower Stripe Fees in the UK

There are some ways you can reduce the Stripe fees you pay:

1. Take more UK payments – UK card fees are the lowest.
2. Use Stripe Terminal – In-person payments have lower fees.
3. Limit currency conversion – Get paid in GBP when possible.
4. Use other services wisely – Only add extras if you really need them.

Stripe vs Other Payment Providers

Here’s how Stripe compares to other providers in the UK:

Stripe is great for online businesses. But if you only take local payments, others may be cheaper.

When Do Stripe Fees in the UK Apply?

Stripe fees apply when:

• A customer pays you online
• You use a card reader in person
• You issue invoices through Stripe
• You use extra tools like Stripe Billing or Connect

The fee is taken automatically. You don’t need to do anything—it’s built into the system.

Tips for Managing Stripe Fees

Here’s how small businesses in the UK manage their Stripe fees:

• Track every transaction – Stripe gives reports with all fees shown
• Plan your pricing – Add the cost of fees to your product prices
• Use integrations – Stripe works with Xero and QuickBooks to keep accounts simple

Is Stripe Worth the Fee?

For many UK businesses, the answer is yes. Stripe is fast, safe, and works with websites and apps. It also offers smart tools to help you grow. The fees are fair for what you get, but always check what’s best for your business.

Want help finding the best payment tools for your business? Click the link below to compare payment services and choose the right one for you.

FAQ

Are Stripe fees in the UK the same for all businesses?

Most businesses pay the same standard fees. High-volume businesses can sometimes get custom rates.

Do Stripe fees include VAT?

No, Stripe fees are taken before VAT. You may be able to claim them as a business expense.

Can I get a discount on Stripe fees in the UK?

Not usually, unless you’re processing large volumes or have a custom setup.

Are there hidden fees with Stripe?

Stripe is transparent, but there are extra charges for services like currency conversion or fraud protection.

How do I see Stripe fees in my account?

Go to your Stripe dashboard, and click on the ‘Balance’ or ‘Reports’ tab to see all fees.