Stripe Fee Calculator UK
Calculate Stripe fees for UK businesses in GBP. See your net payout after fees — and what to charge to receive a specific amount.
Using Stripe UK pricing: 1.5% + 20p for UK cards, 2.5% + 20p for international/EEA cards.
How Stripe UK fees are calculated
Stripe UK standard rates: 1.5% + £0.20 for UK cards, 2.5% + £0.20 for international/EEA cards.
To receive exactly £X: charge (£X + £0.20) ÷ (1 − rate%)
UK VAT (20%) may apply to Stripe fees for VAT-registered businesses. Stripe provides VAT invoices monthly.
Rates correct as of 2026. Check stripe.com/gb/pricing for the latest.
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Frequently Asked Questions
What are Stripe's fees in the UK?
Stripe UK charges 1.5% + 20p for UK-issued cards and 2.5% + 20p for internationally-issued cards (non-UK). For European Economic Area (EEA) cards, the rate is 2.5% + 20p. These are Stripe's standard published rates — high-volume merchants can negotiate custom pricing.
Does Stripe charge VAT in the UK?
Stripe's processing fees are subject to UK VAT (20%) for UK businesses that are VAT registered. This means the effective cost is higher than the published rate. Stripe will issue a VAT invoice that you can use to reclaim the VAT if your business is VAT registered.
Is Stripe cheaper than PayPal in the UK?
For standard UK card transactions, Stripe (1.5% + 20p) is generally cheaper than PayPal (2.9% + 30p fixed fee equivalent). For international cards, they're more comparable. Stripe also has more transparent, consistent pricing than PayPal UK.
How do Stripe payouts work in the UK?
Stripe UK pays out on a 7-day rolling schedule for new accounts, moving to 2-day once your account is established. Payouts are in GBP to your UK bank account. Stripe uses Faster Payments for UK payouts, which typically arrive within hours of initiation.
How do I record Stripe fees in UK accounting software?
Stripe fees should be recorded as a bank service charge or merchant fee expense. In Xero or QuickBooks UK, categorise them under 'Bank Charges & Interest' or create a specific 'Stripe Processing Fees' expense account. The gross transaction amount is your revenue; the fee is a separate expense.