Stripe Fees Calculator 2026
Instantly calculate Stripe transaction fees, net payouts, and effective rates. A free UK payment processing tool for merchants and ecommerce businesses to estimate processing costs.
Stripe Fee Projection
Enter your transaction details to calculate processing fees and net payout
The total gross amount charged to the customer.
The percentage fee charged by Stripe (e.g., 1.5% for UK/EU cards).
The fixed fee per transaction (e.g., 20p for UK transactions).
Your Fee Estimate
Stripe costs, net payout, and effective rate breakdown
Enter your transaction details above and click Calculate Fees to reveal your Stripe fee projection.
Stripe Fee Benchmarks UK
Quickly reference the standard Stripe transaction fees for UK merchants based on card type and transaction scenarios.
| Card Type / Scenario | Stripe Fee | Details |
|---|---|---|
| UK & European Cards | 1.5% + 20p | Standard debit and credit cards issued in the UK/EU |
| Non-European Cards | 2.5% + 20p | Cards issued outside the UK and Europe (e.g. US, Asia) |
| American Express | 3.5% + 20p | Amex credit cards (higher interchange costs) |
| Currency Conversion | + 1% | Applied when card currency differs from settlement currency |
| Refund Fee | 20p | Fixed fee retained by Stripe; percentage fee is returned |
| Instant Payout | 1% (min 50p) | Optional fee for transferring funds to your bank instantly |
Stripe Fees FAQ
Everything you need to know about calculating Stripe fees, understanding payment processing costs, and managing your merchant account in 2026.
In the UK, Stripe charges 1.5% + 20p for European cards, 2.5% + 20p for non-European cards, and 3.5% + 20p for American Express cards. There are no hidden setup or monthly fees for the standard pay-as-you-go plan.
No, Stripe does not charge monthly fees, setup fees, or hidden fees for its standard pricing model. You only pay when you successfully process a transaction. However, premium features like instant payouts or specific risk management tools may have additional costs.
To calculate your net payout, subtract the Stripe fee from your total transaction amount. The fee is calculated as: (Transaction Amount × Percentage Fee) + Fixed Fee. For example, on a £100 transaction with a 1.5% + 20p fee, the fee is £1.70, leaving you with a net payout of £98.30.
To cover Stripe fees and receive a specific net amount, you need to ‘gross up’ your price. The formula is: (Desired Net Amount + Fixed Fee) / (1 – Percentage Fee). For example, to receive exactly £100 with a 1.5% + 20p fee, you should charge: (£100 + £0.20) / (1 – 0.015) = £102.24.
Yes, when you issue a refund, Stripe returns the percentage portion of the fee but retains the fixed fee (e.g., the 20p). So, if you refund a £50 transaction, Stripe will deduct the 20p fixed fee from your account, but the 1.5% percentage fee is refunded to you.
Stripe typically pays out to your bank account on a rolling basis. In the UK, the standard payout schedule is 7 days after the transaction date (e.g., a transaction on Monday pays out the following Monday). You can also enable instant payouts for a 1% fee (minimum 50p).
Yes, Stripe charges higher fees for international cards. If a card is issued outside the UK and Europe, the fee is 2.5% + 20p. Additionally, if the transaction requires currency conversion (the customer’s card currency differs from your settlement currency), Stripe applies an extra 1% fee.