Your only per-sale fee: how Stripe's pricing works when you sell on Numonday

Stripe UK rates as published August 2026. Stripe updates pricing occasionally — check stripe.com for current rates.

Numonday takes 0% commission, so the only money that leaves each sale is Stripe's card-processing fee. Since that's now your entire per-sale fee stack, it's worth understanding properly — especially because the headline rate isn't the only rate.

The rates

Card type	Stripe fee	On an £18.20 sale
Standard UK consumer card	1.5% + 20p	£0.47 (2.6%)
Premium / business UK card	1.9% + 20p	£0.55 (3.0%)
EEA card	2.5% + 20p	£0.66 (3.6%)
International (e.g. US, Australia)	3.25% + 20p	£0.79 (4.3%)

If Stripe also converts currency, add a further 2% on top of the applicable rate. Most UK makers selling mostly to UK buyers will see a blended rate a little above the headline 1.5% — a realistic planning figure is 1.6–1.8% + 20p unless you ship abroad a lot.

Why the flat 20p matters on small orders

Percentages scale; the 20p doesn't. On a £4 greetings card, 1.5% is just 6p but the flat fee is 20p — a 6.5% effective rate. On an £80 order the same 20p is noise (1.8% all-in). If you sell low-priced items, the cheapest fix is order size: bundles, multi-buys and postage-combined baskets all dilute the flat fee. (This is true on every platform, but it's more visible on Numonday because there's no other fee hiding it.)

Things Numonday's setup gets you

Instant settlement: buyers pay into your Stripe account directly; Numonday never holds funds, so there's no payout day and no reserve. Stripe then pays out to your bank on its own rolling schedule (typically a few working days, shortening with account history).
Your own transaction records: the Stripe dashboard gives you exportable, per-transaction fee data — handy at tax time, and exactly the visibility marketplace sellers usually lack.
Disputes are yours, though. Chargebacks go through your Stripe account (£20 dispute fee if you lose, refunded on win, terms per Stripe). Etsy shields sellers from some of this; direct processing means the good and the bad are both yours.

Setting up

Stripe signup is free, done from the Numonday dashboard, and needs your business details and bank account. Sole traders can register with Stripe as individuals — you don't need a limited company.

To see what your card mix means for your true monthly cost — subscription included — use the calculator, and for the Etsy comparison see Numonday vs Etsy.

This is information, not financial or tax advice. We're not affiliated with Numonday or Stripe. Made by CAAC (UK) — small free tools for makers and sellers.