Merchant fee guides

BNPL Merchant Fees

Buy Now, Pay Later providers. Merchant fees are higher than card rates because the provider funds the instalments and carries the credit risk, in exchange for higher conversion and basket size.

BNPL: UK 2026 Pricing & Fee Calculator About 3% to 6% + 20p to 30p Typical UK BNPL merchant fee Open calculator → Klarna: UK 2026 Pricing & Fee Calculator 4.99% + 35p Reference UK rate (via Stripe) Open calculator → Clearpay: UK 2026 Pricing & Fee Calculator The merchant (you), not the shopper Who pays the fee Open calculator → Laybuy: UK 2026 Pricing & Fee Calculator The merchant (you), not the shopper Who pays the fee Open calculator → Payl8r: UK 2026 Pricing & Fee Calculator The merchant (you), not the shopper Who pays the fee Open calculator →