Guide
Updated 12 November 2026
Card payment fees for UK takeaways: what each provider charges
By Arslan Munir
Updated 12 Nov 2026. Fees below are as each provider publishes them on its own page, read on 12 November 2026. Chefzi takes no cut of card payments, so the fee you pay is your payment provider's.
In short: on published UK rates, Stripe charges 1.5% + 20p on standard UK cards, Square charges 1.4% + 25p on online orders, and PayPal charges 2.9% + 30p on most commercial transactions. On a £25 order that is about 57.5p, 60p and £1.03. The ordering platform's own fee is separate, and some platforms add their own card fee, so always ask what lands on top.
Published card fees, read 12 November 2026
| Provider | Rate for UK cards, online | Source and notes |
|---|---|---|
| Stripe | 1.5% + 20p for standard UK cards; 2.5% + 20p for EU cards | stripe.com/en-gb/pricing: "No setup fees, monthly fees, or hidden fees" |
| Square (online) | 1.4% + 25p for UK cards, 2.5% + 25p for non-UK cards | squareup.com/gb/en/pricing: applies to Online Store, Online Checkout and eCommerce API. In person is 1.75% for UK cards |
| PayPal | 2.9% + 30p for all other commercial transactions; 1.2% + fixed fee for a card payment from a user without a PayPal account; the tiered plan is 2.9%, 2.4% or 2.1% + fixed fee by monthly volume | paypal.com/uk, last updated 1 October 2026. The fixed fee for pounds is 30p |
| My Orders (platform) | "Only 2% card processing fees" | my-orders.com home page, as part of its £30 plan |
| TableSpark (platform) | Stripe's standard card-processing fees apply; "TableSpark adds nothing on top" | tablespark.uk |
| Dinerly (platform) | Stripe's fees plus any applicable Dinerly card-payment fees, deducted before payout | Dinerly Restaurant Service Agreement 5.2 and 5.3, last updated 29 August 2025; rates not published |
| Storekit (platform) | "Low rates", "Lower rates", "Even lower rates" by plan; no numbers | storekit.com/pricing |
| Chefzi | Your payment provider's rate (Stripe Connect, Square, Worldpay or PayPal); Chefzi takes no cut | On Plus and Pro; Starter takes cash orders |
Worldpay, Dojo and others publish rates by quote, so we have not listed numbers for them. Ask for a written rate.
What a £25 order costs, our arithmetic
| Provider | Fee on one £25 UK card order | As a share of the order |
|---|---|---|
| Stripe (1.5% + 20p) | 57.5p | 2.30% |
| Square online (1.4% + 25p) | 60p | 2.40% |
| My Orders (2%) | 50p | 2.00% |
| PayPal (2.9% + 30p) | £1.03 (102.5p) | 4.10% |
A month of takeaway orders, our arithmetic
Take 400 card orders a month at £25 each, which is £10,000 of card sales:
| Provider | Monthly fee |
|---|---|
| Stripe | £150 + £80 = £230 |
| Square online | £140 + £100 = £240 |
| My Orders | £200 |
| PayPal (standard rate) | £290 + £120 = £410 |
For scale, a marketplace commission of 30% on the same £10,000 would be £3,000. See the Uber Eats commission guide for the published rates and the commission calculator for your own numbers. Card fees and commission are different charges, and an order taken on your own site pays only the card fee.
The fixed part matters more on small orders. On a £10 order, Stripe's fee is 35p, which is 3.5% of the order, and PayPal's is 59p, which is 5.9%.
Ways to keep card fees down
- Compare the fixed fee, not only the percentage. A takeaway with many small orders pays more per pound than one with big baskets.
- Ask who sets the rate. Some platforms tie you to one processor. Chefzi lets you use Stripe Connect, Square, Worldpay or PayPal.
- Offer cash on collection if your customers prefer it. Chefzi supports cash on collection and delivery on every plan.
- Check premium rates. Non-UK and corporate cards can cost more than the headline rate.
- Read the platform's own terms. Whether a platform adds a fee on top is in its agreement, not the processor's page.
Where Chefzi fits
Chefzi charges a flat monthly plan, with 0% commission and no cut of card payments. Card payments run on Plus (£22 a month, or £19 billed annually) and Pro (£49, or £39), per location, ex VAT, through Stripe Connect, Square, Worldpay or PayPal at your provider's rate. Starter (£12, or £9) takes cash orders. See pricing and our online ordering system prices guide.
Sources
- Stripe UK pricing, Square UK pricing and PayPal UK merchant fees, read 12 Nov 2026.
- My Orders, TableSpark and Dinerly own pages, read 12 Nov 2026.
- Storekit pricing, read 12 Nov 2026.
- Chefzi facts and pricing, chefzi.co.uk, read 12 Nov 2026.
Questions
What are the card fees for a takeaway in the UK?
On rates published on 12 November 2026, Stripe charged 1.5% + 20p on standard UK cards, Square 1.4% + 25p online and PayPal 2.9% + 30p on most commercial transactions. Fees vary by card type and provider, so check your own agreement.
Which card provider is cheapest for online takeaway orders?
It depends on your order size. On a £25 order Stripe's published rate costs 57.5p and Square's 60p, and on a £10 order Stripe's is 35p against Square's 39p. Rates change, so compare on your own average order.
Does Chefzi charge card fees?
No. Chefzi takes no cut of card payments. Your payment provider charges its own rate. Card payments are on Plus and Pro.
Which card providers does Chefzi support?
Stripe Connect, Square, Worldpay and PayPal.
Is a card fee the same as commission?
No. Commission is a percentage the marketplace takes from the order value. A card fee is paid to the payment provider. On your own ordering site you pay the card fee, with no commission.
Do I have to take card payments?
No. Chefzi supports cash on collection and cash on delivery on every plan, alongside card payments on Plus and Pro.
Why do some platforms say "low rates" without a number?
Some quote by volume. Ask for the rate in writing and compare it with the published Stripe, Square and PayPal rates.