Stripe UK Domestic Card Processing Fee Calculator
Simulate net settlements for UK standard transactions (1.5% + £0.20) under UK interchange fee caps.
Parameters & Config
Gross transaction amount billed to your customer
Percentage processing surcharge applied to gross order value
Per-transaction flat fee deducted by the platform
Cost of goods sold or fulfillment expense (Set to 0 for digital/software products)
Net earnings cleared into your bank account after all platform & gateway deductions
Cumulative fee deducted by platform and payment network
Key Metrics & Sub-Totals
3 itemsCalculation Summary & Unit Breakdown
| Metric | Calculated Value | Notes / Logic |
|---|---|---|
| Gross Transaction Charge | $100.00 | - |
| Percentage Processing Fee | $1.50 | 1.5% |
| Fixed Transaction Surcharge | $0.25 | - |
| Total Deducted Fees | $1.75 | - |
| Product / Service Cost (COGS) | $0.00 | - |
| Net Take-Home Revenue | $98.25 | - |
| Net Profit Margin | 98.25% | - |
| Break-Even Sales Price | $0.25 | Zero loss minimum price |
| Required Charge to Clear $100 Net | $101.78 | Reverse payout target |
Overview & Methodology
Stripe UK benefits from capped European interchange regulations, offering standard domestic Visa and Mastercard processing at 1.5% + 20p (approx $0.25 USD). Non-UK cards incur an additional 1.5% to 2.0% cross-border fee.
Mathematical Formulation
Fee = (Transaction × 0.015) + £0.20. Net Settlement = Transaction - Fee.Optimization Best Practices
Integrate BACS Direct Debit for recurring subscriptions to drop transaction fees to 1% capped at £2.00.
UK merchants VAT-registered should note that Stripe processing fees are reverse-charged under B2B cross-border rules.
Enable Apple Pay and Google Pay to improve mobile conversion rates for UK shoppers.
Frequently Asked Questions
Q.How much does Stripe UK take on a £100 transaction?
On a £100 sale, Stripe UK deducts £1.70 (£1.50 percentage + £0.20 fixed fee), leaving £98.30 net.
Q.Are European cards considered domestic in the UK post-Brexit?
No. EEA cards processed by UK businesses carry a cross-border surcharge (typically 2.5% + 20p total).
Q.How fast do Stripe UK funds clear to British bank accounts?
Standard UK bank account payouts clear on a rolling 3-business-day schedule, or 7-day schedule for higher-risk categories.