Stripe Payments Review: Security, Cost and Key Features (UK)

Already a Stripe customer? You don’t need to leave your app to benefit from Wise. Stripe has partnered with Wise Platform to integrate our global payments infrastructure directly into Stripe. That means that Stripe customers can now access fast, convenient international payments directly in their Stripe app.

And, because Stripe has partnered with Wise Platform for their multi-currency payments, when you sign up with Stripe, you’ll also be able to access Wise’s fast and convenient international payments experience directly from Stripe.

👉 Visit Stripe

If you’re an entrepreneur or business owner looking for easier ways to receive customer payments online and in person, you’ve probably heard of Stripe¹. As a popular payment processing service, Stripe offers a range of merchant services including low and no code options to get paid easily.

Not sure if Stripe is right for your business? Before you sign up, check out this Stripe payments review for key information about Stripe UK fees, features, and service options.

What is Stripe?

Stripe was set up in 2009 and is now available in around 45 countries globally, offering payment processing solutions and merchant services which can suit any business from a start-up to a well established enterprise level organisation.

Stripe payments UK has a selection of tools to let businesses receive payments from customers, in person, through apps, and online. Depending on your preferences, technical knowhow and needs, you can choose from easy integrations, low and no code options which let you get started in minutes - or build a tailor made solution to fit your specific needs if you’d prefer.

Stripe security overview

Stripe is a level 1 Payment Card Industry Data Security Standards (PCI DSS) provider².

To maintain this status, Stripe has a number of security measures in place including annual onsite audits, quarterly checks, processes to spot and correct vulnerabilities, and industry level security to prevent malware and viruses³. Stripe also handles 250 million or more API requests a day, and has a historical uptime of over 99.999%.

How does Stripe work?

Stripe is a payments gateway. It allows businesses to receive secure card payments by relaying messages between the card network and issuing bank during a transaction.

When you accept a payment through Stripe, your customer enters their card details, which are encrypted and passed to the card network. The card network confirms whether the payment can be approved with the issuing bank⁴.

Businesses can register with Stripe and start taking payments online quickly. Options include prebuilt checkout pages or custom solutions using developer tools. Payment links are also available for sending directly to customers.

Stripe payments review

This section covers Stripe features and how they can support different business sizes.

Stripe scores 2.9 stars out of 5 on Trustpilot⁵, based on aggregated customer reviews. Ratings can vary, so it’s useful to review recent feedback to understand different user experiences.

Stripe key features

Stripe offers a range of products and services to help businesses manage payments and related processes:

• Services split by business stage - from start-up to enterprise
• Online payments using a pre built payment form or customizable payment UIs (User Interfaces)
• No code payment links
• Terminals for in person payments
• Fraud and risk management support
• Subscription management
• Online ID verification
• Invoicing services
• Sales tax and VAT automation, and accounting automation options
• Startup incorporation
• Banking as a Service options to embed financial services in a business platform or product

Stripe for Start-ups⁶

Stripe offers solutions tailored to businesses in areas such as:

• SaaS
• Marketplaces
• Banking as a Service
• E-commerce
• Crypto
• Creator economy

Services designed with start-ups in mind include:

• Payment links - generate shareable links for customer transactions
• Invoicing - create invoices which customers can pay online
• Subscriptions - support multiple billing models
• Prebuilt checkout - add branded payment forms
• In-person payments - accept payments using terminals or mobile devices

Stripe for enterprises⁷

Stripe is also widely used by larger organisations. Enterprise-focused features include:

• Global payments - support for multiple countries, payment methods and currencies
• Platform payments - route funds and manage payouts
• Finance automation - support for tax, accounting and VAT processes

Stripe UK fees

Stripe charges on a pay-per-use basis, meaning there is typically no monthly fee, although custom pricing packages are available.

Here are the main fees Stripe charges in the UK:

Stripe customer service

Stripe customer service is available via multiple channels, including phone callbacks, chat and email⁹.

• Email support responses typically arrive within 24 hours
• Secure chat is available within the Stripe dashboard
• Phone support is offered via callback request

There is no inbound phone number; users must request a callback.

About the author:
	Paola is an expert in business finance topics for the Great Britain market, covering everything finance teams need to know to manage business finances across borders. She creates high quality content to help you make the best cross-border decisions. You can read more useful articles on her author profile.

Stripe is widely used in the UK thanks to its broad suite of services for different business types. It offers options for both beginners and more advanced users, with flexible tools for accepting payments and managing financial processes.

*Disclaimer: The UK Wise Business pricing structure is changing with effect from 26/11/2025 date. Receiving money, direct debits and getting paid features are not available with the Essential Plan which you can open for free. Pay a one-time set up fee of £50 to unlock Advanced features including account details to receive payments in 22+ currencies or 8+ currencies for non-swift payments. You’ll also get access to our invoice generating tool, payment links, QuickPay QR codes and the ability to set up direct debits all within one account. Please check our website for the latest pricing information.

Sources used in this article:

Sources last checked November 16, 2023