Cheapest Payment Processors for Ecommerce Stores in the UK
Jul 30, 2025
Super Thinking
Introduction
Running an ecommerce store in the UK? Payment processing fees might be eating more of your margin than you realise. With every transaction, a small percentage goes to your payment provider, and over time it adds up fast.
Luckily, there are now alternatives that offer fairer pricing and better features for online retailers.
Why Payment Fees Matter in Ecommerce
High volume = high total cost
Thin margins = more pressure to reduce overhead
Cross-border payments = FX and conversion charges
Refunds and chargebacks = more hidden costs
Provider | Ecommerce Features | Starting Fee (UK) |
|---|---|---|
Super Payments | Shopify and WooCommerce ready, 0% on most methods | 0% or network cost |
Stripe | One-click checkout, subscriptions, global reach | 1.4% + 20p |
Klarna | Buy Now Pay Later options | 2.49% + 20p (up to 6%) |
PayPal | Brand recognition, high fees | 2.9% + 30p |
Why Super Payments Is the Cheapest Option
0% fees on most payment methods
Only network cost applied on others
No setup, monthly or integration fees
Fast settlement to UK accounts
Extra Costs to Watch For
Even if a provider advertises low rates, be aware of:
FX conversion fees on international sales
Refund fees (some providers keep the original processing fee)
Chargeback costs and administrative fees
Final Thoughts
The ecommerce space in the UK is highly competitive. To stay profitable, businesses must pay close attention to payment processing costs. Super Payments offers a smarter way to handle transactions, with zero markup on most methods and support designed for UK merchants.
If you’re still using Stripe or PayPal, switching could save you thousands per year.
Dan Ferner, Growth
June 30, 2025
Super Thinking
