Stripe Fee Calculator United Kingdom (2026 Updated Rates)
Stripe UK charges a much lower 1.5% + 20p for domestic UK cards — nearly half the US rate. EEA-issued cards cost 2.5% + 20p and all other international cards 3.25% + 20p, with a 2% markup when currency conversion is required.
Fee breakdown
| Platform | Total fees | Net | vs here | |
|---|---|---|---|---|
| Stripe (this page) | £1.70 | £98.30 | baseline | |
| Wise | £0.93 | £99.07 | +£0.77 More 🟢 | PK → |
| Square | £3.20 | £96.80 | −£1.50 Less 🔻 | PK → |
| PayPal | £3.98 | £96.02 | −£2.28 Less 🔻 | PK → |
| Lemon Squeezy | £5.50 | £94.50 | −£3.80 Less 🔻 | PK → |
| Paddle | £5.50 | £94.50 | −£3.80 Less 🔻 | PK → |
| Gumroad | £13.70 | £86.30 | −£12.00 Less 🔻 | PK → |
SaaS billing vs Merchant-of-Record break-even
| Provider | Monthly | Annual | Eff. rate | vs cheapest |
|---|---|---|---|---|
| Stripe (+ Billing & Tax)CHEAPEST | $515.00 | $6,180.00 | 5.15% | — |
| Polar.sh | $575.00 | $6,900.00 | 5.75% | +$60.00/mo |
| Paddle | $600.00 | $7,200.00 | 6.00% | +$85.00/mo |
| Lemon Squeezy | $710.00 | $8,520.00 | 7.10% | +$195.00/mo |
| Gumroad | $1,450.00 | $17,400.00 | 14.50% | +$935.00/mo |
Stripe fee quick reference (2026)
| Amount | Total fees | You keep | Take rate | Charge to net it |
|---|---|---|---|---|
| £10.00 | £0.35 | £9.65 | 3.5% | £10.36 |
| £25.00 | £0.58 | £24.42 | 2.3% | £25.59 |
| £50.00 | £0.95 | £49.05 | 1.9% | £50.97 |
| £100.00 | £1.70 | £98.30 | 1.7% | £101.73 |
| £250.00 | £3.95 | £246.05 | 1.6% | £254.02 |
| £500.00 | £7.70 | £492.30 | 1.5% | £507.82 |
| £1,000.00 | £15.20 | £984.80 | 1.5% | £1,015.44 |
Stripe fee formula & hidden costs
payment processing 1.50% + £0.20
Worked example: £100.00 gross → £1.70 fees → £98.30 net. Reverse gross-up: charge = (target + fixed) / (1 − rate) → to net £100.00 charge £101.73.
Hidden fees to watch
- International cards add +1.5% in the US — a $1,000 foreign card charge costs an extra $15.
- Currency conversion adds +1% (US) or +2% (UK/EU/CA/AU) on top of the card rate.
- Stripe does not refund the processing fee on refunds — refund a $100 charge and the $3.20 fee is gone for good.
- Stripe Invoicing (+0.4%), Billing subscriptions (+0.7%) and Radar/risk tools stack on top of the headline 2.9%.
- Instant Payouts cost an extra 1% of the payout amount (minimum $0.50).
How to pay less in Stripe fees
- Use the reverse calculator to pass fees to the client explicitly instead of eating them.
- Batch small orders — fixed per-order fees dominate sub-$10 transactions.
- Avoid currency conversion inside the platform; settle in your own currency via a multi-currency account.
- Compare Wise Business — Multi-currency business account with mid-market FX rates.
Frequently asked questions
What is the Stripe fee on a £100 sale in United Kingdom (£)?
On a £100.00 sale, Stripe deducts £1.70 total fees, leaving £98.30 — an effective take rate of 1.7%.
How much should I charge to receive exactly £100 after Stripe fees?
Charge £101.73: the £1.73 fee leaves exactly £100.00 net. Use the reverse tab above for any target.
What is the Stripe fee formula in United Kingdom (£)?
payment processing 1.50% + £0.20. 1.5% + 20p UK cards (EEA 2.5% / intl 3.25%). All figures verified 2026-11-10 against the official pricing page.
Does Stripe refund fees when a buyer is refunded?
No — Stripe keeps the original processing fee on refunds, so a full refund on a £100.00 sale costs you about £1.70.