s Full package. UK-regulated consumer debit interchange is capped at 0. 2% and consumer credit at 0. 3%. Adding Adyen s bank account: the interchange fee, set by Visa or Mastercard and paid to the customer s model is worth the sales conversation once a retailer t Adyen publish one blended UK card rate like Stripe and Worldpay? Adyen s actual card mix. Does a small UK retailer pay VAT on top of these transaction fees? No. HMRC