Compare processors
Put up to 4 payment processors side by side and weigh pricing, capabilities, and company facts at a glance.
Comparing 4 of 4.
| Compare |  SumUpNo reviews |  Helcim4.5(4) |  Stax4.5(4) |  Square4.5(4) |
|---|---|---|---|---|
| Pricing | ||||
| Online card rate | 3.5% + $0.15 US, 2.5% UK | Interchange + 0.50% + $0.25 | Interchange + $0.15 | 2.9% + $0.30 |
| In-person rate | 2.6% + $0.10 in the US, 1.69% in the UK, 0.99% on the UK Payments Plus plan | Interchange + 0.40% + $0.08 | Interchange + $0.08 | 2.6% + $0.15 |
| Keyed-in rate | 3.5% + $0.15 in the US | N/A | N/A | 3.5% + $0.15 |
| International | N/A | N/A | N/A | N/A |
| ACH / bank | N/A | 0.5% + $0.25 (cap $6) | 1% (cap $10) | 1% ($1 min) |
| Monthly fee | $0 standard | $0 | $99 | $0 |
| Setup fee | None | N/A | N/A | N/A |
| Monthly minimum | None | N/A | None | N/A |
| Chargeback fee | None, SumUp does not charge an additional dispute fee | $15 | $25 | $0 |
| Pricing model | Flat rate, Subscription | Interchange-plus | Subscription, Interchange-plus | Flat rate |
| Contract | No contract | No contract | Month-to-month | No contract |
| Free trial | No | No | No | Yes |
| Payout time | Next day | Next day | Next day | Next day |
| Payment methods | ||||
| Visa | Yes | Yes | Yes | Yes |
| Mastercard | Yes | Yes | Yes | Yes |
| Amex | Yes | Yes | Yes | Yes |
| Discover | Yes | Yes | Yes | Yes |
| Apple Pay | Yes | Yes | Yes | Yes |
| Google Pay | Yes | Yes | Yes | Yes |
| Wallets | Yes | No | No | Yes |
| ACH | No | Yes | Yes | No |
| Integrations | ||||
| API | Yes | Yes | Yes | No |
| Hosted checkout | Yes | Yes | Yes | Yes |
| Drop-in UI | Yes | No | No | No |
| Mobile SDK | Yes | No | No | No |
| Virtual terminal | Yes | Yes | Yes | Yes |
| Payment links | Yes | Yes | No | Yes |
| Invoicing | Yes | Yes | Yes | Yes |
| POS hardware | Yes | Yes | Yes | Yes |
| WooCommerce | Yes | No | No | Yes |
| Wix | Yes | No | No | Yes |
| Features | ||||
| Tap to pay | Yes | Yes | Yes | Yes |
| Tokenization | Yes | No | No | No |
| Reporting dashboard | Yes | Yes | Yes | Yes |
| Developer-friendly | Yes | No | No | No |
| Recurring billing | No | Yes | Yes | Yes |
| No rolling reserve | No | Yes | No | No |
| Fraud protection | No | Yes | Yes | Yes |
| Company | ||||
| Founded | 2012 | 2006 | 2014 | 2009 |
| Headquarters | London, United Kingdom | Calgary, AB, Canada | Orlando, FL, USA | Oakland, CA, USA |
| Company size | 1000+ staff | 51-250 staff | 251-1000 staff | 1000+ staff |
| Regions | US, UK, EU, Global | US, CA | US | US, CA, UK, EU |
| PCI level | Level 1 | Level 1 | Level 1 | Level 1 |
| Currencies | Settles in the local currency of each of its 36 markets | USD, CAD | USD | Multiple (by region) |
| High-risk friendly | No | No | No | No |
| Get started | ||||
| Visit / profile | ||||