Stripe fees in the UK for hospitality businesses

In October 2026, Stripe's UK pricing page lists online card payments at 1.5% + 20p for standard UK cards, 2.8% + 20p for premium UK cards, 2.5% + 20p for cards from the European Economic Area and 3.15% + 20p for international cards, plus 2% when currency conversion is needed. In-person payments through Stripe Terminal are 1.4% + 10p for EEA cards and 2.9% + 10p for non-EEA cards, and Tap to Pay adds 10p per authorisation.

These are Stripe's standard prices for a business with its own Stripe account. If you take payments through software built on Stripe, you may be charged the software provider's rates rather than Stripe's list prices, so check which applies to you before using the figures below. Stripe's prices can change, so confirm them on Stripe's UK pricing page. Our guide to card processing fees explains the interchange and scheme fees underneath them.

What are Stripe's fees for online card payments in the UK?

For a venue, online payments include deposits, prepayments, ticket sales and membership renewals. Stripe classes consumer cards as standard and commercial, corporate or business cards issued by Visa and Mastercard as premium, and all American Express cards count as standard. A Visa or Mastercard company card used to book a team dinner, an event or business travel is charged at the premium rate.

Say a hotel takes a £200 deposit online. On a standard UK card the fee is £3.20 (1.5% is £3.00, plus 20p). On a premium UK card it is £5.80, and on an international card it is £6.50. The 2% conversion charge applies only when the payment has to be converted into your settlement currency, and a foreign card paying in pounds does not trigger it by itself.

What does Stripe charge for in-person payments?

Stripe Terminal pricing in October 2026 is 1.4% + 10p per successful charge for EEA cards and 2.9% + 10p for non-EEA cards. Stripe's UK pricing and Terminal pages group in-person rates only by EEA and non-EEA cards and do not name UK-issued cards, so check the rate for UK cards in your Stripe Dashboard or with Stripe. Tap to Pay adds 10p per authorisation, and optional point-to-point encryption adds 4p.

Readers cost £49 for the BBPOS WisePad 3, £229 each for the Stripe Reader S700 and S710, and £249 for the T600, excluding VAT. Cellular connectivity on enabled readers is £7 per reader per month.

On a £60 bar tab paid on a reader in the 1.4% + 10p band, the fee is 94p. The same payment taken with Tap to Pay on iPhone costs £1.04.

What other Stripe fees should venues know about?

• Disputes: £20 when a dispute is received, and another £20 if you counter it manually, which is returned if you win. Optional Smart Disputes costs 30% of the disputed amount for each dispute it wins.
• Refunds: no extra fee to refund a card payment, but Stripe keeps the original processing fee, along with any Connect and currency conversion fees.
• Payouts: standard payouts are free. Instant Payouts cost 1% of the payout, with a minimum fee of 40p.
• 3D Secure: included with standard Payments pricing.

Instant Payouts can help in a week when cash is tight, such as before a large supplier payment. At 1%, though, an instant payout of £10,000 costs £100, which is a lot to pay as a matter of routine when standard payouts are free.

Refunds are easy to overlook. If you refund £50 of that £200 hotel deposit, the guest gets £50 back but the £3.20 fee on the original payment stays with Stripe. A cancellation policy that keeps part of a deposit covers that cost; one that refunds in full does not.

Stripe deducts its fees from each payment before paying out, so the amount that reaches your bank is net of fees. Stripe's default settlement timing for UK accounts is three business days. The first payout is typically scheduled 7 to 14 days after your first live payment, depending on your industry, country and risk level, and payouts due on a weekend or bank holiday arrive the next business day.

How much will Stripe cost a restaurant each month?

Work from your own payment data. Take a hypothetical restaurant with 2,000 in-person card payments in a month averaging £45, all in the 1.4% + 10p band, plus 100 online deposits of £20 on standard UK cards. At Stripe's standard prices the month looks like this:

Real months are messier. Some guests use premium or international cards, some payments are refunded with the fee retained, and a dispute adds £20. Export three months of payments and price them by channel and card type to get a figure you can plan around. Stripe's itemised reports include each payment's card brand, funding type and card country, which is enough to estimate how many payments fall into each band.

How do Stripe fees work if you use Tiquo?

Tiquo merchants take payments through Tiquo Payments, which runs on Stripe. They are charged Tiquo's own plan rates rather than the Stripe list prices above, which apply to businesses with a direct Stripe account. Tiquo's pricing page lists card rates from 1.7% + £0.22 on the Launch plan and from 1.2% + £0.18 on Scale. Actual rates depend on card mix and volume, so ask for the rates that apply to your own mix of in-person, online, premium and international payments.

Tiquo sells the S700 and S710 at £229 and the T600 at £249, excluding VAT. Tiquo supports the T600 as a customer-facing display paired with a staff checkout, so a counter that needs a full POS terminal uses an S700 or S710. Tiquo also supports Tap to Pay on iPhone, subject to the iPhone model, operating system, country and connected Stripe account.

When you compare a direct Stripe account with software that includes payments, compare the full monthly cost: subscription, processing on your real card mix and any extras. In Tiquo, payments stay linked to the orders and bookings they belong to, and supported Stripe payouts can be reconciled against those orders.