Low-cost pay-as-you-go card readers popular with micro-merchants and pop-up retail.
Best for
Sole traders, mobile sellers, and pop-up retail wanting a low-cost entry into card acceptance.
Every fee we track, grouped by where it applies.
In-person terminal and tap-to-pay transactions.
Payments Plus plan: £19/mo reduces in-person rate to 0.99% domestic.
Online checkout and keyed-in card transactions.
Online / payment-link / invoice rate, confirmed on sumup.com/en-gb/payment-links (2.50%). In-person PAYG remains 1.69%.
Payments Plus plan: £19/mo reduces in-person rate to 0.99% domestic.
SumUp does not publish a chargeback fee on its UK pricing page. Ask before you sign.
No separate Amex premium stated on sumup.com/en-gb/pricing.
Flat 1.69% applies regardless of card origin — no separate international surcharge stated.
Cancel anytime, no lock-in.
SumUp does not publish an instant payout fee. Ask before you sign.
Confirmed: refunds are free (no additional fee).
SumUp does not confirm PCI compliance fee status on its UK pricing page. Ask before you sign.
Recurring invoices supported.
Side-by-side with the closest alternatives by estimated cost.
Assumes £15,000/mo volume, £50 average transaction, 70% in-person and 30% online.
SumUp
£289.95/mo est.
Zettle (PayPal Point of Sale)
£296.25/mo est.
Square
£269.25/mo est.
Paymentsense
£315.50/mo est.
Every fee we track, grouped by where it applies.
In-person terminal and tap-to-pay transactions.
Online checkout and keyed-in card transactions.
Side-by-side with the closest alternatives by estimated cost.
Based on $20,000/mo card volume (software plus processing; hardware excluded).
SumUp
£338/mo est.
Square
£350/mo est.
Zettle (PayPal Point of Sale)
£350/mo est.
talech
£379/mo est.
Cards, wallets, and other methods supported by SumUp for UK merchants.
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.
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