British Pound (GBP)
Published processing fees and market availability for the British Pound (GBP) across 18 gateways, bank acquirers, and payment rails serving United Kingdom, Gibraltar. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: Europe payments guide · All Europe currencies
Who serves this currency
All 18 gateways, bank acquirers and wallets serving GBP markets, including providers with published GBP fee schedules (9) and custom/quote-only processors (9).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| StripeUK & EEA cards. | Published fees |
| SquareOnline transactions, UK (1.4%–1.5% + £0.25 EEA/UK cards; 2.9% non-EEA). | Published fees |
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| BraintreeUK standard card processing. | Published fees |
| NuveiMontreal-based global processor supporting 680+ local payment methods across North America, Europe, LatAm and APAC. Custom interchange-plus pricing. | Serves this market |
| MollieUK domestic cards; EEA/international 2.9% + £0.20. | Published fees |
| SumUpUK online payment links & store 2.5% (in-person POS 1.69%). | Published fees |
| Viva.com (Viva Wallet)UK standard online checkout. | Published fees |
| myPOSUK consumer cards. | Published fees |
| Teya (formerly Borgun / SaltPay)Regional availability, ask for a quote. | Serves this market |
| Rapyd (Valitor)Regional availability, ask for a quote. | Serves this market |
| AirwallexRegional availability, ask for a quote. | Serves this market |
| HitPayRegional availability, ask for a quote. | Serves this market |
| Windcave (Payment Express)Regional availability, ask for a quote. | Serves this market |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalUK commercial transactions. | Published fees |
| GoCardlessBacs bank direct debit, not card payments. | Published fees |
| Payoneer Profile →Receiving: 1% from UK bank payers. See our Payoneer profile. | Custom pricing |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (9 of 18 providers serving GBP). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified GBP rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 18 providers serving GBP.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (9 additional providers serve GBP with custom or quote-only pricing—see all 18 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| StripeUK & EEA cards. | 1.5%+1.5% international cards | £0.20 | n/a | +1.5% |
| SquareOnline transactions, UK (1.4%–1.5% + £0.25 EEA/UK cards; 2.9% non-EEA). | 1.5%+0.5% international cards | £0.25 | n/a | +0.5% |
| BraintreeUK standard card processing. | 1.9%+1% international cards | £0.20 | n/a | +1% |
| MollieUK domestic cards; EEA/international 2.9% + £0.20. | 2.4%+0.5% international cards | £0.20 | n/a | +0.5% |
| SumUpUK online payment links & store 2.5% (in-person POS 1.69%). | 2.5% | £0.00 | n/a | Same rate |
| Viva.com (Viva Wallet)UK standard online checkout. | 2.19% | £0.20 | n/a | Same rate |
| myPOSUK consumer cards. | 1.4%+1.5% international cards | £0.05 | n/a | +1.5% |
Compare two GBP card gateways side by side
Wallets & other payment rails (published rates)
Publicly verifiable merchant rates for mobile money, digital wallets and account-to-account rails in GBP.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| PayPalUK commercial transactions. | 2.9%+1.29% international cards | £0.30 | n/a | +1.29% |
| GoCardlessBacs bank direct debit, not card payments. | 1% | £0.20 | £4.00 | Same rate |
Monthly, plan & setup fees (GBP)
14 of 18 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| StripeStandard pay-as-you-go; Stripe Billing / Radar / custom packages optional | No monthly fee | $0/mo | $0 |
| SquareSquare Plus: US$29/mo (locks in 2.9% + $0.30 online in US vs 3.3% + $0.30 on Free plan) | $0/mo + tiers | $0/mo (Free plan) | $0 |
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| BraintreeStandard pay-as-you-go merchant account; custom enterprise pricing at scale | No monthly fee | $0/mo | $0 |
| NuveiVaries by region & acquiring package | Bank MID / custom | Custom / quote | Custom |
| MollieNo monthly fee or minimum volume; pay only per successful transaction | No monthly fee | €0/mo | €0 |
| SumUpPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| Viva.com (Viva Wallet)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| myPOSPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| Teya (formerly Borgun / SaltPay)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| Rapyd (Valitor)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| AirwallexPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| HitPayPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| Windcave (Payment Express)Starter e-commerce gateway plan (includes base monthly volume allowance) | Monthly plan | ~A$35 / NZ$35/mo | $0 |
Wallets & other payment rails — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| PayPalStandard Checkout $0/mo; Advanced / Pro virtual terminal ~$30/mo in US/CA/UK | $0/mo + tiers | $0/mo | $0 |
| GoCardlessAdvanced / Pro plans (£50–£200/mo) add custom branding & automated retry logic | $0/mo + tiers | $0 / £0 / €0/mo (Standard) | $0 |
| Payoneer Profile →Free to hold and receive; $29.95 annual fee applies to inactive accounts in some countries | $0/mo + tiers | $0/mo | $0 |
British Pound (GBP) payment gateway FAQs
Which payment gateways and processors serve United Kingdom, Gibraltar (GBP)?
Sympli5 tracks 18 payment gateways, bank acquirers, and payment rails serving United Kingdom, Gibraltar (British Pound, GBP), including Stripe, PayPal, Square, Adyen, Checkout.com, Braintree and 12 others. Of these, 9 publish verifiable standard GBP per-transaction schedules and 9 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in British Pound (GBP)?
Among the 9 providers with publicly verified GBP schedules, the lowest headline variable rate starts at 1% + £0.20 (capped at £4.00) via GoCardless. Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive GBP calculator on this page to compare exact net payouts.
Do GBP payment gateways charge monthly or setup fees?
Of the 18 providers serving GBP markets, 14 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 4 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for GBP transactions?
An international (foreign-issued) card fee applies when a customer pays your business in GBP using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In GBP, providers like Stripe (+1.5%), PayPal (+1.29%), Square (+0.5%) add an explicit cross-border card surcharge on top of their domestic rate.