See exactly what PayPal or Stripe will take from a payment, and how much you need to charge to receive a set amount. Compare every payment type side by side.
- Free to use
- No sign-up needed
- Works on phone and desktop
Private by design: everything happens in your browser. Nothing you enter is sent to our server.
| Payment type | Rate | Fee | You receive |
|---|
Edit the rates
Rates change. If yours are different (for example a custom deal), edit them here.
| Payment type | % fee | Fixed fee (£) |
|---|
Standard UK rates published by PayPal (UK merchant fees, updated 1 October 2026) and Stripe (stripe.com/gb/pricing), checked on 18 October 2026. Currency conversion, refunds, disputes and custom pricing can change your costs, so always confirm with your provider.
How to calculate payment fees
- Choose whether you know the amount you’re charging, or the amount you want to receive.
- Enter the amount and pick a payment type.
- See the fee, what you receive (or what to charge) and the comparison table.
- If you have different rates, open Edit the rates.
Ways to keep fees down
- Know who your customers are: international and currency-conversion payments cost much more than UK ones.
- Build fees into your price rather than adding a surcharge. In the UK, businesses generally can’t add surcharges for card payments made by consumers.
- Watch small payments: fixed fees take a bigger share of low-value sales.
- Ask about custom pricing once your volume grows.
Frequently asked questions
How up to date are the rates?
We used PayPal’s UK merchant fees page (updated 1 October 2026) and Stripe’s UK pricing page, both checked on 18 October 2026. Providers change their fees, so always confirm before relying on a figure.
Why is the “charge” figure not just amount plus fee?
Because the fee is a percentage of the total charged, the amount has to be grossed up: (amount + fixed fee) ÷ (1 − percentage).
Does it include chargebacks or refunds?
No. Disputes, refunds and payouts can carry separate fees.