All-in-one point of sale and payments for in-person businesses.
2.9% + $0.30
online rate
$0
monthly fee
Next day
payout
Retail
Restaurants
Small business
SumUp Review
Card readers and payments for over 4 million small businesses in 36 markets, with no monthly fees on the standard plan.
No reviews yetFounded 2012London, United KingdomListing updated
- Starting rate
- 3.5% + $0.15 US, 2.5% UK
- Monthly fee
- $0 standard
- Payout
- Next day
- Contract
- No contract
- PCI level
- Level 1
- Regions
- US, UK +2
Overview
For a small business, choosing a payment processor doesn't have to mean signing up for a complicated merchant-services contract.
SumUp focuses heavily on simple card acceptance through its card readers and payment tools. This makes it worth considering for businesses that want to start taking card payments without investing heavily in a traditional POS system.
SumUp Card Reader Pricing
The cost of SumUp depends on the card reader or payment setup you choose. When comparing models, consider more than the upfront hardware price.
Look at:
- Card reader cost
- Transaction fees
- POS functionality
- Connectivity
- Payout timing
- Optional software features
SumUp Transaction Fees
Transaction fees are one of the most important things to check before choosing SumUp.
Your actual cost depends on the type of payment, transaction method, location, and applicable pricing plan.
Who Is SumUp Best For?
SumUp can be a good fit for:
- Small retailers
- Market vendors
- Mobile businesses
- Freelancers
- Service businesses
- Businesses that take payments on the go
SumUp vs Square
Both target businesses looking for relatively simple payment acceptance.
Compare the two based on:
- Card reader cost
- Processing fees
- POS features
- Software
- Payouts
- Hardware options
Is SumUp Free to Use?
The important distinction is between having no monthly subscription requirement and having no payment-processing costs. Merchants should check the current transaction and optional-service fees before signing up.
Best for
Mobile and market sellers
Cafes and salons
Trades
First card reader
Regions
US
UK
EU
Global
Industries
Food and drink
Retail
Beauty and wellness
Trades and services
Pros
- Low transparent flat pricing with zero monthly, setup or minimum fees on the standard tier, and readers from 25 pounds plus VAT or 129 dollars
- Next-day payouts by 7am including weekends and holidays into the free SumUp Business Account in the UK
- 36 markets and more than 4 million merchants, plus a developer platform with APIs, hosted checkout and mobile SDKs that you won't get from most readers this cheap
Cons
- Expensive card-not-present processing in the US at 3.5% + 15 cents for online and keyed transactions
- Recurring complaints about account verification holds and slow support responses despite a strong overall Trustpilot score
- Features vary by market, the US POS software plans need a 12-month contract, and ecommerce depth is thin next to dedicated gateways
Pricing
Pricing at a glance
US pay-as-you-go is 2.6% + 10 cents in person and 3.5% + 15 cents online or keyed, with no monthly fee. UK pricing is 1.69% in person and 2.5% online, and the 19 pound Payments Plus plan cuts domestic in-person cards to 0.99%. Custom pricing starts around 10,000 pounds of monthly volume.
- Pricing model
- Flat rate, Subscription
- Contract
- No contract
- Free trial
- No
- Monthly minimum
- None
Fee breakdown
| Online card rate | 3.5% + $0.15 US, 2.5% UK |
|---|---|
| In-person card rate | 2.6% + $0.10 in the US, 1.69% in the UK, 0.99% on the UK Payments Plus plan |
| Keyed-in rate | 3.5% + $0.15 in the US |
| Monthly fee | $0 standard |
| Setup fee | None |
| Monthly minimum | None |
| Chargeback fee | None, SumUp does not charge an additional dispute fee |
| Early termination fee | None on pay-as-you-go, US POS software plans carry a 12-month contract |
Listing updated How we keep listings current
Features
Payment methods
- Visa
- Mastercard
- Amex
- Discover
- Apple Pay
- Google Pay
- Wallets
Integrations & deployment
- API
- Hosted checkout
- Drop-in UI
- Mobile SDK
- Virtual terminal
- Payment links
- Invoicing
- POS hardware
- WooCommerce
- Wix
Capabilities
- Tap to pay
- Tokenization
- Reporting dashboard
- Developer-friendly
At a glance
- Currencies
- Settles in the local currency of each of its 36 markets
- Payout
- Next day
- PCI level
- Level 1
- High-risk friendly
- No
Reviews
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Frequently asked questions
- How much does SumUp cost?
- US standard pricing is 2.6% + 10 cents in person, 2.9% + 15 cents for paid invoices and 3.5% + 15 cents for online or manually keyed payments, with no monthly fee. UK pricing is 1.69% in person and 2.5% online on pay-as-you-go, and the 19 pound per month Payments Plus plan lowers domestic in-person cards to 0.99%. There are no setup fees, minimums or dispute fees.
- How much is SumUp hardware?
- UK readers start at 25 pounds plus VAT for the Solo Lite, with the Solo at 79 pounds and a full Terminal at 135 pounds, and Tap to Pay on a phone costs nothing. The US Solo bundle with charging cradle is 129 dollars. There are no hardware rental fees and paid hardware carries a 30-day money-back guarantee.
- How fast does SumUp pay out?
- Payouts reach an external bank account in one to two business days. UK merchants using the free SumUp Business Account are paid by 7am the next day, including weekends and public holidays, which is faster than most small-business processors.
- Is SumUp good for online businesses?
- It works, but it is not the strength. The US online and keyed rate of 3.5% + 15 cents is high, and while SumUp offers an online store, payment links, invoices and a developer API with WooCommerce and Wix support, there are no official Shopify, Magento or BigCommerce plugins. Online-heavy sellers usually do better with a dedicated gateway and keep SumUp for in-person sales.