What is SumUp?
SumUp is a favourite with sole traders, mobile businesses and small shops thanks to its simple setup and no monthly rental. Eligible SumUp businesses may qualify for free hardware — submit your details to find out.
Through comparecardmachines.com you can get SumUp at 0.49% on personal debit and credit cards, with corporate cards at 1.99%. If most of your customers pay with their own cards, that's one of the lowest rates available.
SumUp's range goes from Tap to Pay on your phone up to a full handheld POS terminal, and its Business Account gives next-day payouts 365 days a year — by 7am.
SumUp fees & rates
The starting rates you can get on SumUp when you apply through comparecardmachines.com:
| Debit & credit cards | 0.49% |
|---|---|
| Corporate / commercial cards | 1.99% |
SumUp fees explained
Public SumUp prices versus our starting offer
Our 0.49% personal-card and 1.99% corporate-card rates are starting offers supplied for this service, not SumUp’s universal public tariff. Eligibility, card categories, international and premium cards, remote payments and any other charges must be confirmed in your written quote.
| Payment or plan | Public fee | Plan notes |
|---|---|---|
| Standard in-person pay-as-you-go | 1.69% | No monthly plan fee |
| Payments Plus: eligible domestic consumer cards | 0.99% | £19/month |
| Payments Plus: corporate, international and premium cards | 1.69% | £19/month; includes Amex in these excluded categories |
| Online payments and Payment Links | 2.50% | Check the terms for your plan |
| Online Store | 2.50% per transaction | £0 store subscription |
Public prices checked in November 2026. SumUp states that its transaction fees have no VAT. Optional software and banking products can have separate charges.
£100 through our offer
49p for an eligible personal-card payment, or £1.99 for a corporate-card payment, before any other applicable offer costs.
£100 at standard PAYG
£1.69 at SumUp’s public in-person pay-as-you-go rate, with no monthly plan fee.
Payments Plus break-even
The £19 subscription offsets the 0.70 percentage-point saving at roughly £2,715/month of eligible consumer-card volume. Excluded cards and other costs change the result.
Payouts
SumUp says payouts to a SumUp Business Account arrive at 7am the next day, including weekends and bank holidays. Payouts to an external bank account normally take 1–2 business days; international-card transactions can take longer.
Software and optional products
Basic POS features are available, but optional products are not all free. SumUp lists POS Plus at £39/month excluding VAT and Business Account Plus at £15/month including VAT. Its invoice pages present free and paid tiers with different billing displays, so confirm the current invoice package and payment-method fees directly before choosing.
What to confirm in a personalised quote
Ask for the exact rates for personal, corporate, international and premium cards; in-person versus online payments; payout timing; hardware terms; software subscriptions; and any minimum-volume or contract conditions. A headline percentage alone is not the total monthly cost.
SumUp card machines & hardware
You may be eligible for free SumUp hardware
SumUp's Tap to Pay app costs nothing to use, and eligible businesses may qualify for free or discounted readers and terminals depending on their card volume. Submit your details and we'll check what you're eligible for.
Check if I qualifyTap to Pay
Take contactless payments using just your phone and the SumUp app.
Solo Lite
Simple, affordable reader that pairs with your phone.
Solo
Standalone, feature-rich reader that grows with your business; optional printer.
Terminal
Handheld POS for hospitality, retail and busy venues.
Hardware availability and any free-device offer depend on your business, card volume and the device you need. Submit your details and we'll confirm before you commit to anything.
Key SumUp features
Low consumer-card rate
0.49% on personal debit and credit cards through us.
Pay-as-you-go option
No monthly plan fee on standard in-person pay-as-you-go pricing; optional payment and POS subscriptions cost extra.
Payouts by breakfast
Next-day access to earnings 365 days a year with the SumUp Business Account.
Mix and match devices
Use as many readers and locations as you need, all managed in one place.
Risk-free
1-year warranty and 30-day money-back guarantee on hardware.
Portable
Every SumUp device is portable — perfect for mobile traders.
SumUp pros
- 0.49% on personal debit & credit
- No monthly rental
- Next-day payouts every day
- Great for mobile traders
SumUp cons
- 1.99% on corporate cards
- Less suited to B2B-heavy businesses
Who is SumUp best for?
Our verdict on SumUp
SumUp is excellent value for sole traders and small businesses whose customers mostly pay with personal cards. No monthly fees and free hardware options for eligible businesses make it easy to start — just watch out for the corporate card rate.
Get the SumUp offerSumUp FAQs
What are SumUp's rates?
Through us, SumUp is 0.49% on debit and credit cards and 1.99% on corporate cards.
Can I get a free SumUp card machine?
SumUp's Tap to Pay app is free to use, and eligible businesses may qualify for free or discounted readers and terminals depending on their card volume. Fill in the form and we'll check what you're eligible for.
Does SumUp charge a monthly fee?
Standard in-person pay-as-you-go pricing has no monthly plan fee. Optional products such as Payments Plus and POS Plus have monthly subscriptions.
Is 0.49% SumUp's standard public rate?
No. The 0.49% personal-card rate is a starting offer supplied for this service. SumUp's public in-person pay-as-you-go rate is 1.69%, while eligible Payments Plus consumer transactions are 0.99% plus a £19 monthly subscription.
How much are SumUp fees on a £100 payment?
Under our starting offer, an eligible £100 personal-card payment costs 49p and a corporate-card payment costs £1.99, before other applicable offer costs. At the standard public in-person pay-as-you-go rate, £100 costs £1.69.
When does SumUp pay out?
With the SumUp Business Account, next-day payouts 365 days a year, by 7am.
Is SumUp good for mobile businesses?
Yes — SumUp's portable readers are popular with tradespeople, market traders and anyone taking payments on the go.
Product details sourced from SumUp's official website (November 2026) and may change. Starting offers supplied for this service require provider confirmation.
