Best Payment Processors for UK Freelancers (2025)
Getting paid quickly and easily is essential for every UK freelancer. Whether you invoice clients, take payments online, or accept card payments in person, choosing the right payment processor keeps your business running smoothly.
Here’s a 2025 guide to the best payment processor options for UK freelancers and sole traders.
✅ What to Look for in a Freelancer Payment Processor
- Low fees for small businesses
- Easy setup for sole traders
- Fast payouts
- Integration with invoicing or accounting tools
- Ability to accept card payments (online or in person)
🛠️ Best Payment Processors for UK Freelancers
1. Stripe
A popular choice for freelancers needing to accept online payments.
- Card payments via invoice or website
- Transparent fees (1.5% + 20p UK cards)
- Fast payouts to your bank account
- Integration with popular invoicing tools
Good for: Freelancers selling services, digital products, or running subscription billing.
2. PayPal
Trusted by clients worldwide, PayPal offers:
- Easy online payments
- PayPal.Me links for quick payment requests
- Integration with invoicing tools
- Higher fees (around 2.9% + 30p) but wide client familiarity
Good for: Freelancers working with international clients or wanting easy payment links.
3. SumUp
Ideal for freelancers who take in-person payments.
- Simple card readers (contactless & chip and PIN)
- Low transaction fees (around 1.69%)
- No monthly contracts
- Mobile-friendly app
Good for: Hairdressers, tutors, mobile workers, or those attending events.
4. GoCardless
Best for freelancers needing recurring payments or Direct Debits.
- Set up automatic client payments
- Perfect for subscription services
- Low fees for UK bank transfers
- Easy integration with accounting software
Good for: Freelancers with regular clients or retainer arrangements.
⚠️ Watch for Hidden Fees
Before choosing a payment processor, always check:
- Transaction fees
- Currency conversion charges (if dealing with international clients)
- Monthly or setup fees
📌 Final Thoughts
The right payment processor helps you get paid faster, reduces admin, and gives your clients a professional, hassle-free experience.