SumUp
£338/mo est.
- Software/mo
- £0/mo (POS Pro from £49)
- Processing rate
- 1.69%
- Hardware
- Solo Lite £25 / Solo £79 / Terminal £135 / Tap-to-Pay £0
- Contract
- No lock-in
- Industry
- Both
- Est. monthly cost
- £338/mo
SumUp
Low-cost pay-as-you-go card readers popular with micro-merchants and pop-up retail.
- Software/mo
- £0/mo (POS Pro from £49)
- Processing
- 1.69%
- Hardware
- Solo Lite £25 / Solo £79 / Terminal £135 / Tap-to-Pay £0
- Contract
- No lock-in
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.
- Setup fee
- Free
Online payments
Online checkout and keyed-in card transactions.
- Setup fee
- Free
Contract terms
- Contract length
- No lock-in
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.
Based on $20,000/mo card volume (software plus processing; hardware excluded).
Square
£350/mo est.
- Software/mo
- £0/mo (Plus tiers £49-69)
- Processing rate
- 1.75%
- Hardware
- Reader £19 / Stand £99 / Terminal £149 / Register £699
- Contract
- No lock-in
- Industry
- Both
- Est. monthly cost
- £350/mo
Zettle
£350/mo est.
- Software/mo
- £0/mo
- Processing rate
- 1.75% flat
- Hardware
- First reader £29 / extra £69 / Terminal ~£149
- Contract
- No lock-in
- Industry
- Retail (light hospitality)
- Est. monthly cost
- £350/mo
talech
£379/mo est.
- Software/mo
- ~£29/mo (Elavon-quote-led)
- Processing rate
- 1.75% (via Elavon)
- Hardware
- talech Register all-in-one (~£500+, bundle)
- Contract
- 12 months (Elavon)
- Industry
- Both
- Est. monthly cost
- £379/mo
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