UK Payment Gateway Pricing.
Up to 34% Cheaper Than Stripe
Low transaction fees, no setup costs, and next-day settlement for UK businesses of all sizes.
Choose your plan
- ✓ All major card types (Visa, Mastercard, Amex on request)
- ✓ UK & International cards included
- ✓ No monthly minimums
- ✓ Terminals from £25/month
- ✓ Next-day settlement
- ✓ Free next working day delivery
- ✓ UK based support team
- ✓ Market-leading interchange-plus-plus rates
- ✓ Full cost transparency, see exactly what you pay
- ✓ Volume-based discounts
- ✓ Dedicated account manager
- ✓ Custom API & integrations support
- ✓ Monthly rolling contract
- ✓ Onboarding handled by a named account manager
- ✓ SLA-backed uptime
See how much you could save
Select your current provider and get an instant personalised comparison
Estimate only, based on a typical UK card mix (around 7% non-UK cards) — your own mix will differ. Monek's per-transaction authorisation fee is 5p on UK cards and 10p on non-UK cards (3p and 10p on Established Business); non-UK cards are also charged at the higher Foreign / Non-UK rate shown above. Growing Business accounts also carry a £2.99 monthly PCI compliance charge, which is included in the Monek figure above. Competitor figures cover card rates and per-transaction fees only — any monthly account or PCI charge they levy is on top of what is shown. For figures based on your actual card mix, use the online quotation. Competitor comparison uses each provider's standard UK card rate, so a book with many premium or non-UK cards will cost more with them than shown here. Stripe rates verified 2026-08-11; other providers 2026-05-19. *Takepayments is quote-based; rate shown is indicative.
What is IC++ pricing?
IC++ (Interchange-plus-plus) is the most transparent way to pay for card processing. Instead of a blended rate, you see exactly what the card schemes charge (interchange), plus a small scheme fee, plus our margin. High-volume businesses typically save significantly compared to blended rates.
Everything included in every plan
How Monek Compares
| Provider | Transaction Rate | Setup Fee | Contract | Settlement | Support |
|---|---|---|---|---|---|
| Monek | 0.99% blended | None | No long-term | Next day | 24/7 UK |
| Stripe | 1.5% + 20p | None | No contract | 2 days | Online only |
| Worldpay | Variable | Setup fee | 18-month | 1 day | Phone |
| Mollie | 1.8% + 25p | None | No contract | 2 days | Online only |
Frequently asked questions
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