Pay-as-you-go card readers, a portable terminal and Tap to Pay on phone at one flat in-person rate, with no monthly fee or contract, plus payment links and free invoices.
In-person rate
Online rate
Monthly fee
Contract
Every 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.
Hardware cost Solo Lite £25 / Solo £79 / Tap-to-Pay £0 (excl VAT)
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 SumUp does not publish a chargeback fee on its UK pricing page. Ask before you sign.
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 SumUp does not publish an instant payout fee. Ask before you sign.
Refund fee Free Confirmed: refunds are free (no additional fee).
PCI compliance fee Contact provider SumUp does not confirm PCI compliance fee status on its UK pricing page. Ask before you sign.
Contract terms
Contract length No contract
Settlement time Next business day (including weekends with SumUp business account) Recurring billing Yes Recurring invoices supported.
In-person rate 1.69% 1.75% 1.75% 1.4% + 10p Online rate 2.5% 1.4% + 25p 2.5% 1.5% + 20p Monthly fee £0/mo £0/mo (Free plan) £0/mo £0/mo Hardware cost Solo Lite £25 / Solo £79 / Tap-to-Pay £0 (excl VAT) Reader £19 / Stand £99 / Terminal £149 / Register £699 (excl VAT) First reader £29 / extra £69 (excl VAT) WisePad 3 £49 / Reader S700 £229 (excl VAT) Contract length No contract No contract No contract No contract Settlement time Next business day (including weekends with SumUp business account) Next business day (instant at 1.5% fee) Minutes to PayPal balance (new accounts); 1-2 business days (legacy); no weekend deposits T+3 standard (new accounts T+7); instant at 1% min 40p Est. monthly cost View details View details View details
In-person rate 1.69%
Online rate 2.5%
Monthly fee £0/mo
Hardware cost Solo Lite £25 / Solo £79 / Tap-to-Pay £0 (excl VAT)
Contract length No contract
Settlement time Next business day (including weekends with SumUp business account)
Est. monthly cost
In-person rate 1.75%
Online rate 1.4% + 25p
Monthly fee £0/mo (Free plan)
Hardware cost Reader £19 / Stand £99 / Terminal £149 / Register £699 (excl VAT)
Contract length No contract
Settlement time Next business day (instant at 1.5% fee)
Est. monthly cost
In-person rate 1.75%
Online rate 2.5%
Monthly fee £0/mo
Hardware cost First reader £29 / extra £69 (excl VAT)
Contract length No contract
Settlement time Minutes to PayPal balance (new accounts); 1-2 business days (legacy); no weekend deposits
Est. monthly cost
In-person rate 1.4% + 10p
Online rate 1.5% + 20p
Monthly fee £0/mo
Hardware cost WisePad 3 £49 / Reader S700 £229 (excl VAT)
Contract length No contract
Settlement time T+3 standard (new accounts T+7); instant at 1% min 40p
Est. monthly cost Free SumUp POS app on the pay-as-you-go tier, plus a paid POS for hospitality and retail adding table management and Deliveroo and Uber Eats ordering, on a no lock-in basis.
Software/mo
Processing
Hardware
Contract
Every fee we track, grouped by where it applies.
Contract terms
Contract length No lock-in Software/mo £0/mo (POS Pro from £49) £0/mo (Plus tiers £49-69) £0/mo £0/mo (£15 if dormant) Processing rate 1.69% 1.75% 1.75% flat 1.10% + 7p Hardware Solo Lite £25 / Solo £79 / Terminal £135 / Tap-to-Pay £0 Reader £19 / Stand £99 / Terminal £149 / Register £699 First reader £29 / extra £69 / Terminal ~£149 Go 2 £29 / Flex £59 / Combo £169 / Ultra £229 / Tap-to-Pay £0 Contract No lock-in No lock-in No lock-in No lock-in Industry Both Both Retail (light hospitality) Retail/services (micro) Est. monthly cost View details View details View details
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
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
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
Software/mo £0/mo (£15 if dormant)
Processing rate 1.10% + 7p
Hardware Go 2 £29 / Flex £59 / Combo £169 / Ultra £229 / Tap-to-Pay £0
Contract No lock-in
Industry Retail/services (micro)
Est. monthly cost 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 Cards, wallets, and other methods supported by SumUp for UK merchants.
Cards Visa Mastercard EFTPOS AMEX JCB 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.
We may earn a commission when you click through to a provider. Any offer shown is the provider’s own, and we check each one before it appears. Neither ever affects ranking or data shown. Read our terms .
Work at SumUp? Claim this listing