SumUp
£290/mo est.
- In-person rate
- 1.69%
- Online rate
- 2.5%
- Monthly fee
- £0/mo
- Terminal cost
- —
- Contract length
- No contract
- Settlement time
- —
- Est. monthly cost
- £290/mo
SumUp
Low-cost pay-as-you-go card readers popular with micro-merchants and pop-up retail.
- In-person rate
- 1.69%
- Online rate
- 2.5%
- Monthly fee
- £0/mo
- Contract
- No contract
Best for
Sole traders, mobile sellers, and pop-up retail wanting a low-cost entry into card acceptance.
Pricing breakdown
All prices in GBPLast verified 19 June 2026Every fee we track, grouped by where it applies.
In-person payments
In-person terminal and tap-to-pay transactions.
- Transaction rate
- 1.69%
- Monthly fee
- £0/mo
Payments Plus plan: £19/mo reduces in-person rate to 0.99% domestic.
- Setup fee
- Free
Online payments
Online checkout and keyed-in card transactions.
- Transaction rate
- 2.5%
Online / payment-link / invoice rate, confirmed on sumup.com/en-gb/payment-links (2.50%). In-person PAYG remains 1.69%.
- Monthly fee
- £0/mo
Payments Plus plan: £19/mo reduces in-person rate to 0.99% domestic.
- Setup fee
- Free
Other fees
- Chargeback fee
- Contact provider
Chargeback fee not published on sumup.com/en-gb/pricing. UNVERIFIED.
- AMEX rate
- 1.69% (same flat rate)
No separate Amex premium stated on sumup.com/en-gb/pricing.
- International card surcharge
- Included in flat rate
Flat 1.69% applies regardless of card origin — no separate international surcharge stated.
- Early termination fee
- None
Cancel anytime, no lock-in.
- Instant payout fee
- Contact provider
Instant payout fee not published. UNVERIFIED.
- Refund fee
- Free
Confirmed: refunds are free (no additional fee).
- PCI compliance fee
- Contact provider
PCI compliance status not confirmed on sumup.com/en-gb/pricing at time of research. UNVERIFIED.
Contract terms
- Contract length
- No contract
- Recurring billing
- Yes
Recurring invoices supported.
Accepted payment methods
Cards, wallets, and other methods supported by SumUp for UK merchants.
Cards
- Visa
- Mastercard
- EFTPOS
- AMEX
- JCB
Digital wallets
- Apple Pay
- Google Pay
Strengths and trade-offs
Pros
- Low-cost card reader
- No monthly fees
- No lock-in contract
- 14-day money-back guarantee
Cons
- Limited POS integrations versus Square
- Hardware sold separately, not bundled
About SumUp
SumUp is a European-founded payments company offering compact card readers and terminals to small businesses. Flat-rate transaction pricing with no monthly fees and no lock-in contracts. Hardware available from major retailers and direct online.
SumUp was founded in 2012 and is headquartered in Berlin, Germany.
How SumUp compares
Side-by-side with the closest alternatives by estimated cost.
Assumes £15,000/mo volume, £50 average transaction, 70% in-person and 30% online.
Zettle
£296/mo est.
- In-person rate
- 1.75%
- Online rate
- 2.5%
- Monthly fee
- £0/mo
- Terminal cost
- —
- Contract length
- No contract
- Settlement time
- —
- Est. monthly cost
- £296/mo
Square
£269/mo est.
- In-person rate
- 1.75%
- Online rate
- 1.4% + 25p
- Monthly fee
- £0/mo (Free plan)
- Terminal cost
- —
- Contract length
- No contract
- Settlement time
- —
- Est. monthly cost
- £269/mo
Paymentsense
£316/mo est.
- In-person rate
- 1.40% + 5p
- Online rate
- 1.40%-2.49% + 50p
- Monthly fee
- ~£50+/mo
- Terminal cost
- —
- Contract length
- Contact provider
- Settlement time
- —
- Est. monthly cost
- £316/mo
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Compare SumUp
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