Guide: Our cost calculator for Worldpay, Sage Pay, PayPal, Stripe & Braintree

Ever wondered how the costs compare for payment gateway providers Worldpay, Sage Pay, PayPal, Stripe and Braintree? Well wonder no more!

Why this may interest you?

As a helping hand to cut through all the blurb out there we have compared the costs for the following payment gateway providers; Worldpay, Sage Pay, PayPal, Stripe and Braintree. 

  • Want to know how your current payment provider compares against competition?
  • Thinking about changing your current payment provider?
  • Interested to know how much costs vary for different payment providers?

What do I need to do to find the cost of each payment gateway provider?

Download the Excel spreadsheet where you can compare how much each provider will cost the business as an expense broken down on a daily, weekly, monthly, quarterly and yearly basis. 

excel-png-office-xlsx.png Spreadsheet to compare payment gateway providers (83KB)

The only information you need will be based on three key statistics over a year.

  1. The amount of revenue the website generated
  2. Number of orders taken
  3. Percentage of Credit Vs Debit card payments 

For ease, the statistics take into account 'flat lining' any seasonal business statistics and the ratio of spend between debit cards and credit cards, as these are both key to calculating the potential costs.

Payment gateways compared

Below we have listed some details on each payment provider. As each provider has their own advantages, limitations and different price structures. This article will compare these providers from a high level to help you understand each provider in more detail.


Why would you use Worldpay?

  • Established as one of the UK's leading payments provider and is trusted by over 300,000 small businesses.
  • No joining fee
  • 24/7 customer service and UK support


Initial Setup Monthly Price  Transaction Fee Transactions Tokens 
(per month)
£0 £19.95 GBP Credit Card AoV of 2.75%
Debit Card AoV of 0.75%


Why would you use PayPal?

  • Easy and convenient as customers need just an email address and password or mobile number and PIN to pay quickly and more securely.
  • 24/7 customer support either online or on the phone, we're here to help.
  • Simple to integrate with all major shopping carts and eCommerce platforms.


Initial Setup  Monthly Price Transaction Fee
£0 £19.99 GBP Monthly revenue GBP Transaction Fee
Up to £1,500 AoV 3.4% + 0.20 GBP
£1,500.01 - £6,000.00 AoV 2.9% + 0.20 GBP
£6,000.01 - £15,000.00 AoV 2.4% + 0.20 GBP
£15,000.01 - £55,000.00 AoV 1.9% + 0.20 GBP

Sage Pay

Why would you use Sage Pay?

  • Receive funds into your business bank account within 2 working days instead of the usual 7+ days 
  • Get paid quickly and efficiently by connecting Sage Pay & Sage Accounts to get invoices paid instantly.
  • Accept any payment type, including PayPal in 25+ currencies.


Initial Setup Monthly Price  Transaction Fee Transactions Tokens 
(per month)
£0 £19.90 GBP Credit Card AoV of 2.5%
Debit Card of £0.40 GBP
350 tokens free then £0.12 GBP per transaction


Why would you use Stripe?

  • Easy to integrate the Stripe API with any website/platform.
  • Flexible payment and checkout flows on web and mobile.
  • Make faster business decisions using insights from real-time data. 


Initial Setup Monthly Price Transaction Fee Transactions Tokens 
(per month)
£0 none AoV of 1.4% + £0.20 GBP n/a


Why would you use Braintree?

  • Offering no transaction fees for the first £30K GBP of revenue. 
  • Global reach and accepts payments in 130+ currencies
  • Mobile first  powering the mobile commerce revolution from day one.


Initial Setup Monthly Price  Transaction Fee Transactions Tokens 
(per month)
none none AoV of 2.9% + $0.30/£0.22 GBP
(only after £30K GBP of revenue)

Is the cheapest option right for my business?

So you have used the provided spreadsheet so you now know the costs. Is it a matter of just choosing the cheapest? While cost is important, unfortunately, there are many other aspects when choosing a payment provider and the decision shouldn’t be dictated by price alone.

Depending on the needs and wants it’s recommended you include other factors such as: 

  • Simplicity
  • Security
  • Support


If you fancy a chat about choosing a payment provider and to get you closer to making a decision, feel free to drop us an email or give us a call on 0114 279 7779 to speak to a Quban.

09 Nov

Chris Bainbridge
Listed in:  Platforms Strategy
Estimated read time:
 words,  minutes

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