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 Kingdom
- 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
SumUp was founded in 2012 in London and now serves more than 4 million merchants across 36 markets with over 3,000 employees. Its core product is simple: an affordable card reader, a flat transaction rate and no monthly fees. The lineup has since grown into a full small-business stack with POS plans, a free business account, invoices, payment links, an online store and Tap to Pay on the merchant's own phone.
Pricing and how it works
US pricing is 2.6% + 10 cents in person, 2.9% + 15 cents for paid invoices and 3.5% + 15 cents for online and keyed transactions, with no monthly fee on the standard tier. UK pricing is 1.69% in person and 2.5% online pay-as-you-go, and a 19 pound per month Payments Plus plan drops domestic in-person cards to 0.99%, which pays for itself above roughly 3,000 pounds of monthly card volume. Hardware is cheap: readers start at 25 pounds plus VAT in the UK and the US Solo bundle costs 129 dollars, with no rental fees and a 30-day money-back guarantee. SumUp charges no fee for disputes, cash transactions or refunds. Payouts reach a bank in one to two business days, or by 7am the next day including weekends into the free SumUp Business Account in the UK. The main caveats are the expensive US card-not-present rate, a 12-month contract on the US POS software plans, and per-market feature differences.
Who it is for
SumUp is built for micro and small in-person sellers: market traders, cafes, salons, trades and mobile businesses that want to take cards without fixed costs or contracts. A real developer platform with APIs, hosted checkout and SDKs exists, which is unusual at this price point, but online-heavy sellers will find the card-not-present rates and thin ecommerce integrations limiting next to a dedicated gateway, and high-risk businesses are not accepted.
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
- Broad footprint of 36 markets and 4 million merchants plus a genuine developer platform with APIs, hosted checkout and mobile SDKs
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 |
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
No reviews yet. Be the first to share your experience with SumUp.
Write a review
Share your experience with SumUp. Reviews are moderated before they appear.
Alternatives to SumUp
Compare theseRated 4.5 out of 5 from 4 reviews.
Transparent interchange-plus pricing with automatic volume discounts.
Interchange + 0.50% + $0.25
online rate
$0
monthly fee
Next day
payout
Growing SMBs
Transparent pricing
Omnichannel
Subscription-style pricing that passes interchange straight through.
Interchange + $0.15
online rate
$99
monthly fee
Next day
payout
High volume
Predictable cost
Established businesses
A partner-only white-label payment gateway for ISOs, agents and software platforms that has never boarded a merchant directly.
No gateway markup
online rate
Not published
monthly fee
Varies
payout
ISOs and agents
Software platforms
White-label resellers
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.