# 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