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 |  WindcaveNo reviews |
|---|---|---|
| Pricing | ||
| Online card rate | 3.5% + $0.15 US, 2.5% UK | Custom quote |
| In-person rate | 2.6% + $0.10 in the US, 1.69% in the UK, 0.99% on the UK Payments Plus plan | Custom quote, with Windcave acting as acquirer in NZ, Australia, the UK, the US, Canada and Europe |
| Keyed-in rate | 3.5% + $0.15 in the US | N/A |
| International | N/A | Not published. Windcave states that additional fees apply to international transactions |
| ACH / bank | N/A | N/A |
| Monthly fee | $0 standard | Custom quote |
| Setup fee | None | N/A |
| Monthly minimum | None | N/A |
| Chargeback fee | None, SumUp does not charge an additional dispute fee | N/A |
| Pricing model | Flat rate, Subscription | Flat rate, Interchange-plus, Custom quote |
| Contract | No contract | Long-term |
| Free trial | No | No |
| Payout time | Next day | Next day |
| 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 |
| PayPal | No | Yes |
| ACH | No | Yes |
| BNPL | No | Yes |
| Integrations | ||
| API | Yes | Yes |
| Hosted checkout | Yes | Yes |
| Drop-in UI | Yes | No |
| Mobile SDK | Yes | No |
| Virtual terminal | Yes | Yes |
| Payment links | Yes | Yes |
| Invoicing | Yes | No |
| POS hardware | Yes | Yes |
| WooCommerce | Yes | Yes |
| Wix | Yes | No |
| Shopify | No | Yes |
| Magento | No | Yes |
| Features | ||
| Tap to pay | Yes | No |
| Tokenization | Yes | Yes |
| Reporting dashboard | Yes | Yes |
| Developer-friendly | Yes | No |
| Recurring billing | No | Yes |
| Multi-currency | No | Yes |
| Fraud protection | No | Yes |
| 3D Secure | No | Yes |
| Company | ||
| Founded | 2012 | 1999 |
| Headquarters | London, United Kingdom | Auckland, New Zealand |
| Company size | 1000+ staff | 251-1000 staff |
| Regions | US, UK, EU, Global | Global, US, CA, UK, EU |
| PCI level | Level 1 | Level 1 |
| Currencies | Settles in the local currency of each of its 36 markets | Multi-currency processing on Visa and Mastercard through supported acquirers, covering currencies including AUD, CAD, EUR, NZD, SGD and USD |
| High-risk friendly | No | No |
| Get started | ||
| Visit / profile | ||