SumUp · Payment processors
SumUp review
SumUp is one of the simplest and cheapest ways for UK small businesses to take card payments in person: a flat 1.69% on every card, including American Express, with no monthly fee or contract, and readers from £25. Businesses taking more than a few thousand pounds a month can cut eligible fees to 0.99% with Payments Plus at £19 a month, though online payments cost 2.5%.
Who SumUp is best for
UK cafés, shops, market traders and mobile businesses and small businesses wanting low fees and no contract.
Online-first businesses (online payments cost 2.5%) and businesses needing advanced subscription billing.
SumUp is one of the simplest and cheapest ways for UK small businesses to take card payments in person: a flat 1.69% on every card, including American Express, with no monthly fee or contract, and readers from £25. Businesses taking more than a few thousand pounds a month can cut eligible fees to 0.99% with Payments Plus at £19 a month, though online payments cost 2.5%.
Fees, features and eligibility
| Card rate | 1.69% in person (all cards); 0.99% with Payments Plus on eligible UK cards; 2.5% online and payment links |
|---|---|
| Monthly fee | £0 monthly (Payments Plus £19) |
| Type | Payment processor with card readers |
| Coverage | GBP |
| Best fit | UK businesses |
Source: SumUp published product information.
What stands out
Pros
- Flat 1.69% on all in-person cards, including Amex
- 0.99% on eligible UK cards with Payments Plus
- No contract; readers from £25
- Next-day payouts with a SumUp Business Account
Cons
- Online and payment-link payments cost 2.5%
- Payments Plus discount doesn’t apply to Amex, premium or international cards
SumUp: common questions
What does SumUp charge in the UK?
1.69% for in-person card payments on pay-as-you-go, including American Express and international cards, and 2.5% for online payments and payment links.
What is SumUp Payments Plus?
A £19-a-month plan that lowers in-person fees to 0.99% on eligible UK cards. Premium, American Express and international cards stay at 1.69%.
Is there a contract?
No. You buy the card reader outright, with readers starting from £25.
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