Card rates are Stripe’s published UK rates on every plan, with nothing added. What Pro and Scale buy is software: the till’s hospitality features, more users and sites, invoicing, and support you can phone. No long contract. Cancel whenever you like.
Take payments
Card rate: same on every plan
Run a venue
£15.20/month paid annually
Card rate: same on every plan
Run several
£63.20/month paid annually
Card rate: same on every plan
Prices exclude VAT. Annual billing saves 20% on the plan fee and includes the card reader at no charge. Card rates are the same however you pay for the plan.
| In person · UK and EEA cards | 1.4% + 10p |
|---|---|
| In person · non-EEA cards | 2.9% + 10p |
| Online · standard UK cards | 1.5% + 20p |
| Online · premium UK cards | 1.9% + 20p |
| Online · EEA cards | 2.5% + 20p |
| Online · international cards | 3.25% + 20p |
Drag the sliders. The card rate is the same on every plan, so what changes is the plan fee — and the mix of in-person, online and non-UK cards, which the card schemes price differently.
All at the counter or on a phone
All UK and EEA cards
An effective rate of 1.82% on £8,000 across roughly 333 payments.
The card fees above are the same on every plan. Changing plan changes only the plan fee: Starter £0 · Pro £19 · Scale £79.
Because we do not mark it up. Stripe bills you at its published UK rates and we add nothing, so a dearer plan cannot buy a cheaper rate. Here is what the plans are for instead.
Taking payments. Stripe's published rates with nothing added, Tap to Pay, the reader, payment links and hosted checkout, and the core till when it launches. Most stalls, vans and one-person businesses never need more.
Running a venue. Tables, split bills, courses, staff roles and ask-your-till in Cheeky Till when they launch, up to 10 users and locations, recurring payments and invoicing, and support you can phone.
Running more than one site. Shared menu and roll-up reporting across venues, kitchen screens included, unlimited users and locations, the full API and webhooks, and a named account manager.
| Feature | Starter | Pro | Scale |
|---|---|---|---|
| Card rates | Stripe's published rates, same on every plan | Stripe's published rates, same on every plan | Stripe's published rates, same on every plan |
| Monthly fee | £0 | £19 | £79 |
| Payouts | Daily payouts | Daily payouts | Daily payouts |
| Tap to Pay on phone | Included | Included | Included |
| Card reader | £29 one-off | £29 (free on annual) | Included |
| Users and locations | 1 | Up to 10 | Unlimited |
| Recurring and invoicing | — | Included | Included |
| Cheeky Till core (when it launches) | Included | Included | Included |
| Till hospitality features | With Pro and Scale | Included | Included |
| Bay and table booking | £29/venue/mo | £29/venue/mo | Included |
| Kitchen screens | £9/screen/mo | £9/screen/mo | Included |
| Multi-site | With Scale | With Scale | Included |
| API and webhooks | — | Read-only | Full access |
| Support | Phone and chat | Dedicated manager |
The industry standard is a 48-month terminal lease at £20-something a month that you cannot exit. We sell the reader, and if you want a traditional card machine we arrange one on your own Verofy account and tell you the price before you sign.
Uses the phone you already own.
One-off, and free on any annual plan. Contactless and chip and PIN. Works with the app today and with Cheeky Till when it launches.
A PAX A920 or Castles Saturn 1000 on your own Verofy account, for anyone who wants a traditional card machine. The price is agreed with you before you sign anything and will be published here once it is fixed.
No. Cheekypayments charges no setup fee, no joining fee and no annual fee on any plan. The only optional cost is a card reader at £29, which is a one-off purchase rather than a rental. A countertop machine on a Verofy account is priced separately and agreed with you first.
Starter, at £0 a month. Unlike most providers, moving up a plan does not lower the card rate, because the rate is Stripe's published rate on every plan. Pay for Pro or Scale only if you want what they include: the till's hospitality features, more users and locations, invoicing, multi-site and support you can phone.
No. Every plan pays 1.4% + 10p in person on UK and EEA cards and 1.5% + 20p online on standard UK cards, which are Stripe's published UK rates. Pro and Scale add software and support, not a discount on processing.
In person, non-EEA cards are 2.9% + 10p. Online, premium UK cards are 1.9% + 20p, EEA cards 2.5% + 20p and international cards 3.25% + 20p, plus 2% where a payment is converted from another currency. These are Stripe's published UK rates, checked on 2026-09-12.
Yes. You can move up or down a plan at any time from your Cheekypayments dashboard, and the change takes effect on your next billing date. There is no fee for switching.
Paying annually saves 20% on the plan fee. Pro drops from £19 to the equivalent of £15.20 a month, and Scale from £79 to £63.20. Annual plans also include the £29 card reader at no charge. Card rates are the same either way.
No. Cheekypayments does not charge PCI compliance fees, monthly minimums, authorisation fees, statement fees, terminal rental or refund fees. Chargebacks are passed through at cost, currency conversion is Stripe's published 2%, and both are shown on the transaction in your dashboard.
Still unsure? Use the standalone calculator or email us.