SumUp is aimed at small businesses wanting simple in-person card acceptance. Its core offer includes Card readers, POS options and Payment links. A practical strength is simple entry route for many small merchants. Check transaction economics change with turnover before choosing it.
Who it suits
Small businesses wanting simple in-person card acceptance
Cost and commercial model
£0/month PAYG + 1.69% in person
Pricing basis: transaction + optional monthly plan.
PAYG has no monthly fee and 1.69% in-person card fee. Payments Plus is £19/month with 0.99% domestic debit/credit in-person fee; online fees differ.
VAT/tax note: Check hardware VAT separately.
Key capabilities
- Card readers
- POS options
- Payment links
- Business account tools
Comparison checkpoints
- Capability
- Card readers
- Capability
- POS options
- Capability
- Payment links
- Capability
- Business account tools
- Main watch-out
- Transaction economics change with turnover
Eligibility and commitment
Available to relevant UK business customers subject to the provider’s current eligibility and product terms.
No long-term subscription required for PAYG
Reasons to consider it
- Simple entry route for many small merchants
- Range of hardware options
Limitations and checks
- Transaction economics change with turnover
- Compare support and settlement needs
Verification
BizDeck checked this offering on 2026-09-02. The provider still had a UK business-facing purchase, application, subscription, quotation or enquiry route at that point. Pricing and availability can change.
Key comparison facts
- Capability
- Card readers
- Capability
- POS options
- Capability
- Payment links
- Capability
- Business account tools
- Main watch-out
- Transaction economics change with turnover
Key capabilities
- Card readers
- POS options
- Payment links
- Business account tools
Cost & commercial terms
£0/month PAYG + 1.69% in person
PAYG has no monthly fee and 1.69% in-person card fee. Payments Plus is £19/month with 0.99% domestic debit/credit in-person fee; online fees differ.
- Pricing basis
- transaction + optional monthly plan
- VAT/tax note
- Check hardware VAT separately
- Commitment
- No long-term subscription required for PAYG
- Eligibility
- Available to relevant UK business customers subject to the provider’s current eligibility and product terms.
- How to obtain
- buy/apply
Price checked 2 Sep 2026. Check current provider price/terms →
Pros and limitations
Reasons to consider it
- Simple entry route for many small merchants
- Range of hardware options
Things to check
- Transaction economics change with turnover
- Compare support and settlement needs
Questions to ask before choosing
- How well does SumUp fit your actual transaction mix and volumes?
- What will the total cost be once you account for hardware requirements?
- What should you understand about settlement times and chargebacks before committing?
- Which important capabilities are included as standard and which require an add-on or higher plan?
- How easy would it be to switch, export your data or change supplier later?
Verification
BizDeck checked this as a current UK business-facing offering on 2 September 2026. Provider terms can change after review.
Compare SumUp
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