Compare processors
Put up to 4 payment processors side by side and weigh pricing, capabilities, and company facts at a glance.
Comparing 2 of 4.
| Compare |  SumUpNo reviews |  Fluid PayNo reviews |
|---|---|---|
| Pricing | ||
| Online card rate | 3.5% + $0.15 US, 2.5% UK | No gateway markup |
| In-person rate | 2.6% + $0.10 in the US, 1.69% in the UK, 0.99% on the UK Payments Plus plan | N/A |
| Keyed-in rate | 3.5% + $0.15 in the US | N/A |
| International | N/A | N/A |
| ACH / bank | N/A | N/A |
| Monthly fee | $0 standard | Not published |
| Setup fee | None | One-time activation fee for white-label setup, quoted privately |
| Monthly minimum | None | N/A |
| Chargeback fee | None, SumUp does not charge an additional dispute fee | N/A |
| Pricing model | Flat rate, Subscription | Subscription, Custom quote |
| Contract | No contract | Month-to-month |
| Free trial | No | No |
| Payout time | Next day | Varies |
| Payment methods | ||
| Visa | Yes | Yes |
| Mastercard | Yes | Yes |
| Amex | Yes | Yes |
| Discover | Yes | Yes |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Yes |
| Wallets | Yes | Yes |
| ACH | No | Yes |
| Integrations | ||
| API | Yes | Yes |
| Hosted checkout | Yes | Yes |
| Drop-in UI | Yes | Yes |
| Mobile SDK | Yes | No |
| Virtual terminal | Yes | Yes |
| Payment links | Yes | Yes |
| Invoicing | Yes | Yes |
| POS hardware | Yes | Yes |
| WooCommerce | Yes | Yes |
| Wix | Yes | No |
| Magento | No | Yes |
| Features | ||
| Tap to pay | Yes | No |
| Tokenization | Yes | Yes |
| Reporting dashboard | Yes | Yes |
| Developer-friendly | Yes | Yes |
| Recurring billing | No | Yes |
| Fraud protection | No | Yes |
| Company | ||
| Founded | 2012 | 2017 |
| Headquarters | London, United Kingdom | Franklin, TN, United States |
| Company size | 1000+ staff | 1-50 staff |
| Regions | US, UK, EU, Global | US |
| PCI level | Level 1 | Level 1 |
| Currencies | Settles in the local currency of each of its 36 markets | Depends on the connected acquirer, with US dollar processing as the primary use case |
| High-risk friendly | No | No |
| Get started | ||
| Visit / profile | ||