Why Stripe's UK rate looks simple and isn't
Stripe publishes one headline number for UK cards: 1.5% + 20p. The reality is a ladder. The headline rate covers UK-issued cards on Standard pricing. EEA-issued cards (a French or German customer paying you) jump to 2.5% + 20p. A US or Australian card runs 3.25% + 20p. A non-GBP transaction adds another 2% on top for currency conversion. By the time you blend a real customer base, the effective rate sits between 1.8% and 3.4% depending on geography.
The fee impact most operators miss
Disputes. Every chargeback costs £20 the moment it is filed, win or lose. Win the dispute and Stripe refunds it; lose it and you eat the £20 plus the original transaction. UK clinics, agencies, and trades with a higher-than-2% dispute rate end up paying meaningful disputed-fee charges every month that never show up on the Standard rate page.
What this calculator does
Single transaction maths plus monthly and annual projections from your volume. The output line tells you the net deposit per transaction, the total monthly fees, and what arrives in your bank account at the end of the year. It is the number you use in pricing decisions when you set up subscription billing or quote service work.
Where NuvenarHub fits
NuvenarHub uses Stripe for every paid plan and standalone tool subscription. Card processing fees pass through to you at cost. Pro at £480/mo covers built-in invoicing with Stripe payment links, recurring subscriptions, and automated payment-chase workflows. The point of the calculator is not to sell you NuvenarHub; the point is to make Stripe's real cost legible. If your monthly volume is under £20k, Stripe Standard is the right choice and NuvenarHub turns it into a closed-loop billing system.