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Stripe Terminal card machine fees
Stripe Terminal charges 1.4% + 10p on in-person payments with EEA-issued cards and 1.5% + 20p online for standard UK cards, with no monthly fee or contract. The WisePad 3 reader costs £49.
Want to see how Stripe Terminal stacks up for your own takings? Use the card machine fees calculator, or see every provider on the comparison table.
Stripe Terminal at a glance
| Plan compared | Standard pricing |
|---|---|
| Monthly fee | £0.00 (checked 14 October 2026) |
| In-person rate | 1.4% + 10p per sale (checked 14 October 2026) |
| Online / payment links | 1.5% + 20p per sale (checked 14 October 2026) |
| Amex / commercial cards | Same as standard rate |
| Reader (buy) | £49.00 (checked 14 October 2026) |
| Reader (rent) | £0.00 a month |
| Contract | None |
| Payouts | 3 working days |
What Stripe Terminal would cost: worked examples
Estimated monthly cost for three example businesses taking all payments in person, using the figures above.
| Example business | Per month | Effective rate | First year (incl. reader) |
|---|---|---|---|
| Low: £800/month, £15 average sale | £16.53 | 2.07% | £247.40 |
| Medium: £3,000/month, £20 average sale | £57.00 | 1.90% | £733.00 |
| Higher: £12,000/month, £35 average sale | £202.29 | 1.69% | £2,476.43 |
Who Stripe Terminal suits
- Businesses already taking online payments through Stripe
- Businesses with a developer or a POS system that integrates with Stripe
- Anyone who wants online and in-person payments reported in one place
Things to check before signing up
- Stripe Terminal has no built-in till app; you need a compatible POS or your own integration
- Non-EEA cards cost 2.9% + 10p in person
- Standard payouts take 3 business days, longer than many card machine providers
Check current prices on Stripe Terminal's website.
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Frequently asked questions
Does Stripe Terminal charge a monthly fee?
Is Stripe Terminal the cheapest option for my business?
Where do these Stripe Terminal prices come from?
Sources and last checked
- Stripe Terminal UK pricing — checked 14 October 2026
- Stripe Terminal: payouts — checked 14 October 2026
Last reviewed 14 October 2026 by Oliver Burton. Editorial policy.