Stripe Fee Calculator (UK) 2026

1.5% + 20p for UK consumer cards; 2.5% + 20p for EEA (European Economic Area) cards; 3.25% + 20p for international (non-EEA) cards. Corporate cards typically attract a small uplift. These rates apply to standard card-not-present transactions. Card-present (in-person) transactions via Stripe Terminal have slightly different rates. Volume discounts are available for merchants processing over £1M/month — contact Stripe directly for custom pricing.

Standard card processing rates apply to subscription billing — there is no subscription discount on the processing fee itself. Stripe Billing (the subscription management product) is free for merchants processing up to £70,000 MRR per month, and costs 0.5% of MRR above that threshold. Stripe Radar (fraud prevention) is included in the standard fee. Advanced Radar features cost an additional 2p per Radar-evaluated transaction.

GoCardless specialises in BACS Direct Debit and is competitive for subscription businesses with UK bank account customers (1% capped at £4, no per-transaction fee for standard plan). Square is strong for card-present retail transactions. Adyen offers custom enterprise pricing with lower effective rates at high volume. Mollie and Revolut Pay provide competitive rates for European cross-border transactions. For businesses where most revenue comes from UK bank transfers, GoCardless often has a lower effective rate than Stripe card processing.