Setting up an online store on WordPress using WooCommerce might look intimidating to begin with. There’s a definite learning curve, and by the time you’ve worked out which plugins you need it can start to look prohibitively expensive before you have sold a single product. It doesn’t need to be. WooCommerce itself is free, and so are some of its best plugins – taking payments, working out Royal Mail postage and handling UK VAT can all be done without paying for an extension, so you can run a functioning online store in the UK without a huge initial outlay on premium plugins.
Every plugin below has a free version that does the job for a UK store on its own. That covers the core WooCommerce plugin, the payment gateways UK shoppers expect, tools that quote shipping rates (with Royal Mail included), and the add-ons that keep your tax and overall store management in order. Where a plugin choice can quietly create a compliance problem it’s flagged too, because a free plugin that puts you on the wrong side of the rules is not a saving.
Why we build on WooCommerce
WooCommerce is the most widely used ecommerce plugin for WordPress – and that is mainly down to the mature ecosystem built around it. The core plugin is free and gives a WordPress website full ecommerce functionality, from product listings and a cart through to checkout, order management and basic payment processing. Support for multiple currencies is built in, and it’s all managed from the WordPress dashboard.
Almost every other plugin in this article exists because it plugs into WooCommerce. It handles physical and digital products, file downloads and variable products such as clothing in different sizes or colours, so a single store can sell physical and digital products side by side. Customer (user) registration and multi-channel selling come through free extensions, so whether you are selling physical or digital products (or a mix) you’ve got a working online store on free software, only reaching for premium when it is absolutely necessary.
WooCommerce is also well maintained and has a large active community, so finding answers to problems is usually straightforward – and when you do hit a wall, the size of that community is what helps you get past it.
WooCommerce is great, but the additional weight it puts on top of an existing WordPress install means it is not the most performance focused setup out there. That being said, for the majority of online shops it is a perfect fit. You just need to stay mindful that if your hosting plan is on the lighter end you may notice a performance impact as your catalogue or customer base grows. WooCommerce hosting from UWH is configured around the database and caching demands a shop creates, which is worth weighing up if speed matters to your conversion rate.
Tip
Install WooCommerce on a staging site first. This lets you build the catalogue and test checkout without touching the live shop, then push it across when it is ready.
Payment plugins UK shoppers expect
A customer who reaches checkout and cannot pay the way they prefer will often leave. The free plugins below cover the methods UK shoppers reach for most, so your checkout does not lose a sale at the final step of the conversion funnel.
Stripe for cards and digital wallets
The official WooCommerce Stripe Payment Gateway plugin is free and takes Visa, Mastercard and American Express. Apple Pay and Google Pay come with it. Stripe also handles Strong Customer Authentication, the two-step verification UK and EU card payments are required to support. Transaction fees apply per sale, but the plugin itself costs nothing to install and connect.

PayPal for shoppers who trust it
PayPal remains a default choice for a large share of UK buyers (particularly older shoppers and anyone wary of entering card details on a site they do not know). The official WooCommerce PayPal Payments plugin is free and adds PayPal as a checkout option alongside Stripe. Offering it next to card payments tends to widen the pool of people who complete a purchase.

Buy now, pay later without adding a second gateway
Buy now, pay later (BNPL) has become a common expectation in UK retail (especially for fashion and higher-value goods). Most articles will tell you to install a Klarna plugin and a Clearpay plugin. Check what you’ve already got first, because if you are running Stripe you almost certainly don’t need either.
The official Stripe extension exposes Klarna and Afterpay/Clearpay as additional payment methods, enabled under WooCommerce > Settings > Payments > Stripe > Payment Methods. WooPayments offers the same options. For most stores that is a checkbox. There is no second gateway to maintain, and no extra set of credentials or plugin to keep on top of.
Standalone plugins still earn their place in two cases. If you hold a direct contract with Klarna and you want on-site messaging on product and cart pages plus Klarna order management from inside WooCommerce, Klarna for WooCommerce is free, published by Klarna itself, and has had order management built into the plugin since version 4.8.0.
There is a naming trap worth knowing about here. Klarna Checkout is a different product, and it was spun out as an independent company called Kustom in 2024. That plugin is now Kustom Checkout for WooCommerce and it is maintained by Krokedil. Klarna has nothing to do with it now, so do not install it expecting Klarna Payments. For Clearpay specifically, Clearpay Gateway for WooCommerce is free and UK-only, since Clearpay is the UK brand for Afterpay.
Whichever route you take, BNPL came under Financial Conduct Authority regulation on 15 July 2026. See the rules section below for what that means for your checkout.

Stripe and PayPal as WooCommerce gateways
| Attribute | Stripe | PayPal |
|---|---|---|
| Plugin cost | Free official plugin | Free official plugin |
| Card payments | Yes, on your own checkout | Yes, via PayPal account or guest card |
| Digital wallets | Apple Pay and Google Pay | PayPal balance and linked accounts |
| BNPL | Klarna and Clearpay as payment methods | Pay in 3 via PayPal |
| Shopper familiarity | Card form feels native to your site | Recognised brand, trusted by cautious buyers |
Royal Mail and UK shipping
Getting postage right matters for any UK store selling physical goods. Charge too much and baskets get abandoned. Charge too little and you absorb the difference on every order – reducing your margin. WooCommerce includes flat-rate and free-shipping options out of the box and those cover a lot of small shops, but to quote Royal Mail rates by weight and parcel size you’ll need a plugin.
Two free options do this. Shipping Live Rates for Royal Mail for WooCommerce from Octolize calculates rates at cart and checkout from the parcel’s weight and where it is going, and lets you set a free shipping threshold. Royal Mail Shipping Calculator for WooCommerce does the same job from Royal Mail’s published price bands and has already shipped the April 2026 prices. Both map WooCommerce shipping zones to Royal Mail service tiers, so a customer ordering a heavier item pays the realistic cost instead of a single flat fee.
There is a detail here that most plugin round-ups skip, and it is worth understanding before you trust any of them. Royal Mail does not publish a rates API for shipping calculations. Octolize say as much in their own documentation, which is telling given their plugin is the one marketed on live rates. So every one of these plugins works from a stored copy of Royal Mail’s published price list, and none of them asks Royal Mail live. That matters because the prices move, and more than once a year. Royal Mail raised prices on 7 April 2026 and again on 5 October 2026, and the October revision is the one a shop feels: letter stamps were left alone, parcels were not. An abandoned or unmaintained shipping plugin does not break loudly when that happens. It quietly quotes last year’s postage and you eat the difference on every parcel. Check the plugin’s changelog for the current price list before you rely on it, and check again after each revision.
One thing to avoid is WooCommerce Shipping, the free label printing extension. It covers USPS, UPS and DHL Express, with FedEx being added. There is no Royal Mail support, so it is of little use to a UK-only store. For Royal Mail labels, integrate from the Royal Mail side using Click & Drop instead.
- Single product size. Use WooCommerce’s built-in flat rate and skip the extra plugin.
- Mixed weights and sizes. A weight-based plugin mapped to Royal Mail bands keeps charges accurate.
- Free delivery over a threshold. WooCommerce can switch shipping to free once a basket passes a set value, which nudges order size up.
UK VAT and tax handling
For most it doesn’t take long before your turnover reaches the UK VAT registration threshold – and that is when your store has to charge and report VAT correctly. The threshold is £90,000 of taxable turnover in any rolling 12-month period, unchanged since 1 April 2024 and still £90,000 for 2026/27. Deregistration sits £2,000 lower at £88,000, deliberately, so businesses hovering around the line do not bounce in and out of registration every year. Both figures are frozen for now, so do not plan around an increase.
The test is not your accounting year, which is where people trip up. At the end of each month you add that month to the previous 11, and if the total is over £90,000 you have 30 days from the end of that month to notify HMRC. You also have to register immediately if you expect to pass £90,000 in the next 30 days alone.
If you build for overseas clients, non-UK sellers get no threshold at all. Registration is required from the first sale.
WooCommerce has tax settings built in, and you can configure the standard 20% UK rate as well as reduced-rate and zero-rated products without any paid add-on. For stores selling to consumers, UK prices are normally shown inclusive of VAT, and WooCommerce can display them that way while still recording the tax portion for your records. If you sell to other businesses, free extensions can validate a customer’s VAT number and zero-rate qualifying international orders, though check the maintenance status before you trust one with your tax treatment.
You will also want VAT invoices going out with orders, and WooCommerce PDF Invoices & Packing Slips handles that for free, attaching a sequentially numbered invoice to the order confirmation email.
Get the tax setup right early. Unwinding incorrect VAT across months of orders is far more work than configuring it correctly at the start.
Digital goods sold into the EU are the exception worth flagging. There is no threshold, so EU VAT is due from the first sale and you need to register for the One Stop Shop or use a platform that acts as merchant of record. A merchant of record taking around 5% often works out cheaper than handling EU VAT registration and filing yourself, particularly at low volumes.
General store management and admin
Once the checkout side is in place, a few more free plugins keep the shop running and help it get found. None of these are mandatory, but each solves a problem most stores meet early on – so it’s worth familiarising yourself with the options now, before a missing one starts costing you orders.
Product Visibility and SEO
Free SEO plugins add structured product data and let you control how listings appear in search results, and these help shoppers find individual products as well as your home and category pages. The free tiers are not equal here. Rank Math includes its WooCommerce module and product schema in the free version, covering price, availability and review data. Yoast SEO does output schema on its free tier too, but the WooCommerce-specific product schema sits behind the paid Yoast WooCommerce SEO add-on, so if budget is the constraint the choice makes itself. If you are interested in the wider picture, our article on SEO plugins worth running on WordPress goes over the options in more detail.

For Google Shopping, the official Google Listings & Ads extension is free and pushes your catalogue to Merchant Center, so you get your products into Google Shopping’s listings for free, without a paid feed plugin. Google Analytics for WooCommerce is also free and helps round out the stack, so you can track sales and run campaigns without additional cost, and see which products and channels are earning revenue.
There is one more reason to get this right, and it is newer. Shopping increasingly starts in an AI assistant rather than a search box, and a catalogue an agent cannot read simply will not surface. Getting ready for that costs nothing today. Fill in your product data properly, make sure your product schema output is correct, and keep a clean Merchant Center feed running. That is the whole job for now.
Performance and Load
A WooCommerce store is built on dynamic pages – a cart, a checkout and account pages that cannot be served from a page cache without breaking, which rules out pointing a caching plugin at the whole site and walking away. W3 Total Cache and WP Super Cache are both free and both let you exclude those paths while still caching product and category pages, which is where most of your traffic lands anyway.
How much difference a caching plugin makes depends on what your host is already doing at server level, so check before you stack another layer on top. In our article on caching to speed up WordPress we explain where these gains come from in more detail.
Security and Trust
A shop handling payments needs an SSL (TLS) certificate, and it does two things. It raises user trust, because the browser shows the site as secure, and it encrypts card data in transit. A free SSL certificate from Let’s Encrypt covers that, and Wordfence Security adds login protection and malware scanning on its free tier. This matters from the off, but becomes even more important once real orders and customer details start flowing through your online store and database.
The rules that shape your checkout
This is the part of the stack where a plugin choice can quietly create a compliance problem, so it’s worth reading before you go plugin shopping. Three things have changed since April 2025.
- Drip pricing is banned. Any charge a customer cannot avoid has to be in the first price they see, not added at checkout. The CMA has already fined one operator £4.2 million over a £3 booking fee.
- BNPL is regulated. Since 15 July 2026 it is Deferred Payment Credit under the FCA. The lenders carry the regulation, not you, but their customer-facing messaging has to survive in your checkout, so keep those plugins updated.
- Selling to EU consumers means you need a withdrawal function. Required since 19 June 2026, and it catches UK stores shipping to Ireland or the continent.
None of that costs anything to comply with, but a free plugin that puts you on the wrong side of it is not a saving. We have covered what each rule requires, and what to check in your own store in UK and EU checkout rules for online stores.
When to consider an alternative to WooCommerce
In the past the case against WooCommerce has been its weight and the difficulty of moving off it. This has now weakened, with faster checkout blocks, better caching behaviour, and native support for AI agents. There are still cases where something else fits better.
If you sell digital goods only, Easy Digital Downloads drops the physical-product machinery. PayPal and Stripe are both in the free version, with a 3% fee on Stripe payments unless you hold an Extended Pass or higher. SureCart takes the other approach and includes its full feature set on the free Launch plan, charging 2.9% per transaction instead, which a paid Pro plan removes entirely. Its pricing moves often, so check the current rate before committing.
If you are not running a shop, do not install one.
- WP Simple Pay takes payments without a catalogue.
- Paid Memberships Pro handles gated access.
- GiveWP handles donations.
- Tutor LMS and LifterLMS sell courses.
Each of those spares you an order pipeline and stock system you will never touch.
Finally, two things comparison articles still get wrong. MemberPress has no free version and never has, whatever the round-ups say. And Ecwid’s free plan is gone. New signups lost it on 17 March 2025, when it became a paid Starter plan, and the remaining free accounts were closed on 20 November 2025 with storefronts taken offline. It is Lightspeed-branded now, and prices went up again across its paid plans from 2 March 2026, so a 2024 comparison table will not match what you actually get today.
Further reading
The plugins named here all have free versions in the WordPress plugin directory, which is the version vetted by the WordPress team and updated through your dashboard. Stripe’s own guidance on Strong Customer Authentication is worth reading before you go live, since SCA compliance is a UK requirement rather than an optional extra. For the regulatory side, HMRC’s VAT registration guidance covers thresholds and timing, and the FCA’s page on buy now, pay later sets out what changed in July 2026.
If you are starting from nothing, the WordPress section of our knowledgebase covers installation and configuration, and our comparison of ecommerce and traditional shops sets out what selling online involves before you commit.
Where the free stack does show its limits is the hosting underneath it, because a busy WooCommerce checkout asks more of a server than a static site ever will. Cart and checkout pages cannot be cached, so every one of them is a live database query. If you would rather your shop’s speed kept pace with its catalogue, our WooCommerce hosting is built around exactly that load.