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.
✓ Up to 34% cheaper than Stripe
✓ No setup fees
✓ Next-day settlement
Choose your plan
Most popular
Growing Business
Under £200,000 / year
0.99%
transaction rate
- ✓ 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
Best for business
Established Business
Over £200,000 / year
Bespoke
IC++ interchange plus plus
- ✓ 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
£10k£15,000£100k+
£5£50£500
Stripe rates
Personal Debit1.50%
Personal Credit1.50%
Business Credit1.50%
Business Debit1.50%
Foreign / Non-UK3.25%
Per-transaction fee£0.20
Monek rates · Growing Business
Personal Debit0.99%
Personal Credit0.99%
Business Credit1.99%
Business Debit1.99%
Foreign / Non-UK2.99%
Per-transaction fee£0.05
Stripe
£285/mo
£3,420/year
With Monek
£188/mo
£2,256/year
Monthly savings
£98
34% cheaper
Annual savings
£1,176
over 12 months
Cost reduction
34%
lower fees
Transactions/mo
300
at £50 avg
💷 Start saving, get custom pricing
Based on typical UK card mix. Competitor rates last verified 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.
Interchange feeVariable
+ Scheme feeVariable
+ Monek marginFixed
= Total costTransparent
Everything included in every plan
⚡
Free Setup
No installation fees. No joining fees. £0 to get going.
📅
Next-Day Settlement
Funds land in your UK bank account the next working day.
🇬🇧
UK Support
Answered in the UK by people who work for us.
💳
All Card Types
Visa, Mastercard, Amex, contactless, Apple Pay, Google Pay.
🔒
PCI Compliance
We handle PCI compliance. You don't.
🏪
Online & In-Store
Card machines, online payments, and Pay by Link all run on one account and one statement.
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 | 1.7% + 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 |