The United Kingdom rate card
| Domestic card | 1.5% + £0.20 |
| International card | 2.5% + £0.20 |
| Currency conversion | + 2% over mid-market |
| Amex surcharge | No extra surcharge |
| Dispute / chargeback | £20.00 |
| Settlement currency | GBP |
What you actually pay, by ticket size
The £0.20fixed fee is the part that bites. Because it's flat, it dominates small charges and fades on large ones — your effective rate is never just 1.5%:
| Charge | Stripe fee | Effective rate |
|---|---|---|
| £10.00 | £0.35 | 3.5% |
| £50.00 | £0.95 | 1.9% |
| £200.00 | £3.20 | 1.6% |
A £10.00 sale pays an effective 3.5% — versus 1.6% on a £200.00 sale. If your business runs on small tickets, the fixed fee is the single biggest lever in your payment cost: larger baskets, bundling, or annual billing all attack it directly.
Model your exact mix — international share, currency conversion, dispute rate, monthly volume — in the Stripe True Fee Calculator. It covers 18 countries including United Kingdom.
International cards & currency conversion
The moment a customer pays with a card issued outside United Kingdom, the rate rises to 2.5% + £0.20 — roughly 1% above domestic. And if you charge in one currency but settle in GBP, Stripe adds about 2% on the conversion. A business selling internationally from United Kingdom should assume a blended rate meaningfully above the 1.5% headline, not at it.
Disputes: the fee that dwarfs the rest
A single chargeback costs £20.00 in United Kingdom — and you forfeit the sale amount too unless you win. One disputed £200.00 order can wipe out the processing margin on dozens of clean ones. For most merchants, fraud prevention returns more than any fee negotiation.
How United Kingdom compares
Across the 18 Stripe markets we track, United Kingdom's 1.5% domestic rate is the 1st lowest. For context, United Kingdom is the cheapest headline rate at 1.5%, and Brazil the most expensive at 3.99%. Remember the percentage is only half the story — the fixed fee and your average ticket size decide what you actually pay.
FAQ
How much does Stripe charge in United Kingdom?
1.5% + £0.20 per domestic card transaction. The effective rate is higher on small charges because of the flat fee — 3.5% on a £10.00 sale.
Is there a monthly or setup fee?
No. Stripe's standard pricing in United Kingdom is pay-as-you-go with no monthly minimum or setup fee — you pay only the per-transaction rate above. Optional add-ons like Billing, Tax, or Radar carry their own separate fees.
Are these rates official?
They reflect Stripe's published standard pricing for United Kingdom, verified 2026-05-28. Stripe offers custom interchange-plus pricing to larger merchants, and your negotiated rate may differ — always confirm on Stripe's own pricing page for United Kingdom before modelling a budget.
Rates verified 2026-05-28. Independent analysis, not financial advice — confirm current rates on Stripe's pricing page for United Kingdom.