WhatsApp and Telegram +44 7563 115980
[email protected]
Stripe Terminal is built for businesses that also sell online and want one system. Here is what it costs in person and how it compares with SumUp, Square, Dojo and Lloyds Accept.
Published rates from every major UK card machine provider, plus the quoted rates that only come on request. You see them side by side, on your own takings.
The short answer
Stripe Terminal in the UK charges 1.4% + 10p per successful charge for EEA cards and 2.9% + 10p for non-EEA cards, read 26 October 2026, with no setup or monthly fees. Readers cost £49 for the BBPOS WisePad 3, £229 for the Stripe Reader S700 or S710 and £249 for the T600, excluding VAT. Tap to Pay adds 10p per authorisation.
Published prices read 26 October 2026 from each provider's own pricing page. Quote only means the provider gives rates on request; we obtain those for you.
| Provider | In-person card rate | Monthly fee | Card machine | Contract | Payouts |
|---|---|---|---|---|---|
| Stripe Source | 1.4% + 10p EEA cards; 2.9% + 10p non-EEA | £0 | WisePad 3 £49; S700 or S710 £229 (ex VAT) | Pay as you go | Standard free; instant 1% |
| SumUp Source | 1.69% pay as you go, or 0.99% on Payments Plus (domestic cards) | £0, or £19 on Payments Plus | Solo Lite £25, Solo £79, Terminal £135 (ex VAT), bought outright | None, cancel anytime | Next day, 7am, weekends included |
| Square Source | 1.75% UK cards; +1.5% non-UK cards | £0, or Plus £29+ | Reader £19; Terminal £149 (ex VAT) | None, cancel anytime | Next day free; instant for 1.95% |
| Dojo Source | 1.2% blended under £100k a year; custom above | £0 Essential; Plus £11.99 new customers (£25 list) | Go Max £149 or £25 a month; Pocket £239 or £20; Wired £179 or £15 | 30-day rolling or 12-month fixed (custom rate) | Next day |
| Lloyds Cardnet Source | Cardnet quote only; Lloyds Accept 1.5% + 20p | £10 minimum monthly charge (Cardnet) | Saturn £23 or Clover Flex £21 a month + VAT | Not stated; Lloyds Accept none | Not published |
VAT is excluded where the provider states it. Rates are for in-person UK consumer cards unless stated. Our service is free to you. We may receive a fee from the provider you choose; it never changes the price you pay.
Tell us about your business. We compare the whole market, including the providers that only quote on request, and come back with the lowest total cost for your takings and the right machine. You keep a named account manager who looks after you after setup.
Our service is free to you. We may receive a fee from the provider you choose; it never changes the price you pay.
Stripe publishes simple, pay-as-you-go pricing for in-person payments, read 26 October 2026: 1.4% + 10p per successful charge for EEA cards, and 2.9% + 10p per successful charge for non-EEA cards. EEA means the European Economic Area, so UK and European cards are on the lower rate and cards from the rest of the world, such as the US, are on the higher one. Custom pricing is available for large volume.
Stripe says there are no setup fees, monthly fees or hidden fees. Two extras are optional. Cellular connection, so a reader works without wifi, costs £7.00 per reader per month. Point-to-point encryption (P2PE, a stronger way of protecting card data that can reduce your security paperwork) adds 4p per authorisation.
Disputes are charged clearly: a dispute received fee of £20.00 and a dispute countered fee of £20.00, the second refunded if you win. Standard payouts are free; Instant Payouts cost 1% of the amount with a minimum fee of 40p.
The 10p fixed fee makes a big difference to small sales. On a £100 sale with a UK card, Stripe charges £1.40 + 10p, so £1.50, or 1.5%. On a £5 coffee it charges 7p + 10p, so 17p, or 3.4%.
Take a shop with £5,000 a month of card sales at an average of £20, which is 250 payments. Stripe costs 1.4% (£70) plus 250 x 10p (£25), so £95 a month. SumUp's 1.69% costs £84.50, Square's 1.75% costs £87.50 and Dojo's 1.2% costs £60. At a £50 average sale, Stripe's fixed fees drop to £10 and the total falls to £80, below SumUp and Square.
If you add a cellular reader, add £7 a month. If you use Tap to Pay on a phone instead of a reader, add another 10p per payment: £25 more on 250 sales. Stripe is rarely the cheapest for a small in-person business on its own, but it can be for a business already using Stripe online.
Stripe sells four readers in the UK, all excluding VAT and bought outright: the BBPOS WisePad 3 at £49, the Stripe Reader S710 at £229, the Stripe Reader S700 at £229 and the Stripe Reader T600 at £249.00. The WisePad 3 is the low-cost entry point. The S700 and S710 are Stripe's own readers at the same price, and the T600 is the dearest of the four.
Tap to Pay works on iPhone and Android, letting you accept contactless cards on a phone with no reader. It costs the normal card rate plus 10p per authorisation, so a UK card costs 1.4% + 20p in total. That is more than SumUp, Square or myPOS charge for the same thing, so Tap to Pay with Stripe suits occasional use rather than a daily till.
The same WisePad 3 and S710 readers are sold by Lloyds Bank under Lloyds Accept, at £49 + VAT and £230 + VAT, with transaction fees starting at 1.5% + 20p.
Stripe is a developer platform first. To use Terminal, you either build a custom point of sale integration (connect the reader to your own software, which usually needs a developer) or go live with Stripe's no-code solution. No price is stated for Stripe's own point of sale.
That is the main reason to choose Stripe, and the main reason not to. If you already sell online with Stripe, your in-person and online sales sit in one account with one set of reports. If you run a café with no website, a ready-made system from Dojo, SumUp or Square will be quicker to set up.
Stripe offers 24x7 support over email, phone or chat. It says it has obtained regulatory licences around the world, but no UK register number is stated on the pages we read, so ask Stripe which UK entity holds your contract.
Stripe Terminal suits businesses that already use Stripe online, such as e-commerce brands opening a shop or pop-up, subscription businesses and event organisers who want one system. It also suits businesses with larger average sales, where the 10p fixed fee matters less, and those with a developer to connect it to their own software.
It does not suit high-volume, low-value sellers like coffee shops, where 10p on a £3 sale is over 3%. It is also a poor fit for owners who want a card machine that works out of the box with no setup, and for businesses taking many non-EEA cards, which cost 2.9% + 10p.
SumUp charges a flat 1.69% with no fixed fee per sale and readers from £25 ex VAT, so it is cheaper than Stripe on small tickets. Square charges 1.75% for UK cards, has free point of sale apps and also sells online, which makes it the closest ready-made rival to Stripe's one-system pitch.
Dojo's 1.2% blended rate under £100,000 a year is lower than Stripe on almost every in-person sale. Lloyds Cardnet's Lloyds Accept service uses the same BBPOS WisePad 3 and Stripe Reader S710, with fees starting at 1.5% + 20p and no monthly fees, so it is dearer than going to Stripe directly.
For a business that sells both online and in person, the fair test is the total across both. Stripe's in-person rate may be higher than Dojo's, but one account, one set of reports and one payout can save time each week. Price both ways before you decide.
Choosing between Stripe and the alternatives on this page takes time, and the published figures are only the starting point. We compare the whole UK market on your own numbers: your monthly card takings, your average sale and the cards your customers use. For Stripe users, we check whether keeping one system is worth the 10p per sale, or whether a separate card machine provider costs less in person. Then we negotiate the rate with the provider that fits, so you are not left to haggle alone.
We also handle the switch for you, from the application to the day your new machine arrives, and you get a named account manager who stays with you after setup. If your rate creeps up or your business changes, you have one person to call. You pay us nothing: we may receive a fee from the provider you choose. Fill in the quote form and we will come back with a clear comparison.
Stripe Terminal charges 1.4% + 10p per successful charge for EEA cards and 2.9% + 10p for non-EEA cards, read 26 October 2026. There are no setup or monthly fees. Cellular readers cost £7.00 per reader per month.
Stripe sells the BBPOS WisePad 3 for £49, the Stripe Reader S700 and S710 for £229 each and the Stripe Reader T600 for £249.00, all excluding VAT and bought outright.
Yes. Tap to Pay on iPhone and Android adds 10p per authorisation on top of the card rate, so a UK card costs 1.4% + 20p in total. On a £10 sale, that is 34p.
Not always. Stripe says you can build a custom point of sale integration, which usually needs a developer, or go live in minutes with its no-code solution. Ready-made systems like SumUp or Square need less setup.
It depends on your average sale. At £20 a sale on £5,000 a month, Stripe costs about £95 and SumUp £84.50. At £50 a sale, Stripe costs about £80, so it becomes cheaper than SumUp's 1.69%.
Stripe's standard payout schedule is free. If you need money sooner, Instant Payouts cost 1% of the amount paid out, with a minimum fee of 40p. On a £500 instant payout, that is £5.
Tell us what you need and where you operate.