Stripe Fee Calculator UK.
For UK Stripe accounts, domestic card processing costs less than the US (about half the percentage), and BACS Direct Debit can drop your fees to a fraction of that for recurring or large transactions. This calculator includes both, plus the international card surcharge that kicks in when customers pay with non-UK cards.
All rates verified against stripe.com/gb/pricing.
Disputes cost £20 GBP per chargeback. Not included above.
How Stripe
fees work.
Five stacking layers determine what you actually pay. Most calculators only show the first two.
- 01
Apply the base percentage to the transaction amount
Stripe takes a percentage of every successful card charge. The percentage depends on the country of your Stripe account and the card brand.
- 02
Add the fixed per-transaction fee
Most countries also have a small fixed fee ($0.30 US, £0.20 UK, €0.25 EEA) added to every transaction. The fixed fee is what makes small charges expensive in percentage terms. Japan is an exception - no fixed yen fee, but a ¥120 minimum applies if 3.6% of the amount produces less.
- 03
Add international card surcharge if applicable
When the card is issued outside your account country, Stripe adds an extra surcharge - 1.5% in the US, 1.0% for EEA cards in the UK and EEA, 0.8% in Canada, 1.8% in Australia, 0.5% in Singapore.
- 04
Add currency conversion if applicable
When the customer pays in a currency different from your account currency, Stripe converts at a rate that includes a 1-2% spread (1% US, 2% almost everywhere else).
- 05
Subtract the total fee from the customer charge
The remainder lands in your Stripe balance. Subscription billing (+0.7%), Stripe Tax (flat or 0.5%), and instant payouts (+1-1.5%) each add small amounts on top if used.
Bank-debit methods - ACH (US, capped $5), SEPA (EEA, flat €0.35), BACS (UK, capped £4), BECS (Australia, capped A$3.50), PAD (Canada, capped CA$5) - cost a fraction of card processing. Slower (2-3 business days) but for recurring or high-value B2B charges, switching can cut your Stripe bill by 70-90%.
Stripe fees by country.
Card processing rates and cross-border surcharges for every supported account region.
| Country | Domestic card | Int'l card | FX conversion | Source |
|---|---|---|---|---|
🇺🇸United States | 2.9% + $0.3 | +1.5% | +1% | stripe.com |
🇬🇧United Kingdom | 1.5% + £0.2 | +1% | +2% | stripe.com |
🇪🇺Europe (EEA) | 1.5% + €0.25 | +1% | +2% | stripe.com |
🇨🇦Canada | 2.9% + C$0.3 | +0.8% | +2% | stripe.com |
🇦🇺Australia | 1.7% + A$0.3 | +1.8% | +2% | stripe.com |
🇯🇵Japan | 3.6% (min ¥120) | - | +2% | stripe.com |
🇸🇬Singapore | 3.4% + S$0.5 | +0.5% | +2% | stripe.com |
Rates verified against Stripe's official pricing pages. Subject to change - always confirm at stripe.com/pricing.
By payment method.
Bank-debit methods cost a fraction of card processing, but settle in 2-3 business days. For recurring or high-value charges, switching is worth it.
| Method | 🇺🇸US | 🇬🇧UK | 🇪🇺EU | 🇦🇺AU | 🇨🇦CA |
|---|---|---|---|---|---|
Credit / debit card Visa, Mastercard, Amex, Discover, JCB | 2.9% + $0.3 | 1.5% + £0.2 | 1.5% + €0.25 | 1.7% + A$0.3 | 2.9% + C$0.3 |
ACH Direct Debit US bank transfers | 0.8% · cap $5 | - | - | - | - |
SEPA Direct Debit Eurozone bank transfers | - | - | 0% + €0.35 | - | - |
BACS Direct Debit UK bank transfers | - | 1% + £0.2 · cap £4 | - | - | - |
BECS Direct Debit Australian bank transfers | - | - | - | 1% + A$0.3 · cap A$3.5 | - |
Pre-Authorised Debit Canadian bank transfers | - | - | - | - | 1% + C$0.4 · cap C$5 |
Stripe Link 1-click checkout | 2.9% + $0.3 | 1.5% + £0.2 | 1.5% + €0.25 | 1.7% + A$0.3 | 2.9% + C$0.3 |
Worked examples.
Three scenarios calculated end-to-end so you can sanity-check the calculator.
$5 product, US
US Stripe account, US customer.
Fixed fee dominates on small charges. Sub-$10 transactions get hammered.
$500 invoice, US
US Stripe account, US customer.
Fixed fee shrinks proportionally as amount grows.
$100, EU card → US
US Stripe account, EU customer paying with EU card in EUR.
Cross-border stacks 3 surcharges. Local payment methods cut this in half.
Frequently asked.
Everything else worth knowing about Stripe's fee structure.
BACS is the UK bank-to-bank payment network. Stripe charges 1% with a £0.20 minimum and a £4 cap per transaction. For any charge above £400, BACS is significantly cheaper than card. It's ideal for subscriptions, payroll-style payouts, and B2B invoicing - but settlement takes 3 business days versus near-instant for cards.
UK Stripe accounts are charged 2.5% + £0.20 for cards issued in the EEA, and 3.25% + £0.20 for cards issued elsewhere. This calculator uses the EEA tier as the default international rate; non-EEA card transactions cost an additional ~0.75% on top of what you see here. Currency conversion (+2%) is added on top if the customer pays in a currency other than GBP.
Stripe charges a percentage of each successful card transaction plus a small fixed fee. Rates vary by country: typically around 2.9% + $0.30 in the US, 1.5% + £0.20 in the UK, 1.5% + €0.25 in the EEA, 1.7% + A$0.30 in Australia, and 3.6% with a ¥120 floor in Japan. The exact figures shown in this calculator are pulled directly from Stripe's public pricing pages.
Yes. When a customer pays with a card issued outside your Stripe account country, Stripe adds an international card surcharge - typically +1.5% in the US, +1.0% in the UK and EEA (for cards from within the EEA, higher for non-EEA), +0.8% in Canada, +1.8% in Australia, and +0.5% in Singapore. If the transaction also requires currency conversion, expect another 1–2% on top.
If you use Stripe Billing for recurring payments, Stripe charges an additional 0.7% on top of standard processing - confirmed across all 7 markets in this calculator. Toggle "Subscription billing" to include it.
The dispute fee is non-refundable on a loss and refunded on a win. Amounts vary by market: $15 USD, £20 GBP, €20 EUR, CA$15, A$25, ¥1,500, or S$15. Disputes are not added to per-transaction estimates above; they are per-incident, not per-transaction.
No. On the standard plan there are no setup fees, no monthly fees, and no minimum transaction volumes. You only pay when a transaction succeeds.
Use bank-debit payment methods where possible: ACH (US, capped at $5), SEPA (EEA, flat €0.35), BACS (UK, capped at £4), BECS (AU, capped at A$3.50), and PAD (Canada, capped at CA$5) cost a fraction of card processing for any large or recurring charge. For high-volume businesses (typically >$100k/month) Stripe negotiates custom card rates. For international sales, accepting local payment methods (SEPA, BACS, iDEAL, PayNow) usually costs less than international card transactions.
Stripe Tax automatically calculates and collects sales tax / VAT / GST on transactions. Pricing varies: $0.50 flat per transaction in the US, 0.5% per transaction in most other markets (with API-tier flat-fee variants in the UK, EU, and Singapore). Toggle "Stripe Tax" under Advanced options to include it in your estimate.
Instant payouts move funds from your Stripe balance to your bank in minutes instead of the standard 2-business-day rolling schedule. Stripe charges +1.5% in the US and Australia, +1.0% in the UK, EEA, Canada, and Singapore (each with a small minimum fee). Instant payout is not currently published for Japan. Useful for cash-flow-sensitive businesses; expensive if used habitually.
Calculating fees
is the easy part.
Shipping is the hard part.
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This calculator is for estimation only. Actual Stripe fees may vary based on your specific account, payment method, card network, and contract terms. Always verify with Stripe's official pricing.