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SumUp Fees and Costs 2024: A Guide For Small Businesses


SumUp is a leading provider of card readers and payment solutions, especially popular among small businesses in the UK. One of the most critical aspects to consider when choosing a payment provider is the fee structure. In this article, we will delve into the details of SumUp fees, explaining how they work, what you can expect to pay, and how these fees compare to other providers. By the end, you’ll have a clear understanding of SumUp fees and how they can impact your business.

What Are SumUp Fees?

SumUp charges a flat fee per transaction, which makes it simple and straightforward for business owners to understand their costs. Unlike other providers that may have hidden fees or complex pricing structures, SumUp keeps things transparent and easy to manage.

Transaction Fees

SumUp charges a flat rate of 1.69% per transaction for all card payments. This fee applies to payments made using all major credit and debit cards, including contactless payments, Apple Pay, and Google Pay.

No Monthly Fees

One of the significant advantages of using SumUp is that there are no monthly fees. This feature is particularly beneficial for small businesses and charities that may not have consistent transaction volumes every month. You only pay when you make a sale.

No Hidden Fees

SumUp prides itself on transparency. There are no setup fees, no cancellation fees, and no hidden costs. This straightforward approach allows businesses to plan and budget more effectively.

Detailed Breakdown of SumUp Fees

To better understand how SumUp fees work, let’s take a closer look at some typical scenarios:

In-Store Payments

For in-store payments using SumUp Air or SumUp 3G card readers, the fee is 1.69% per transaction. Whether the customer pays by chip and PIN, contactless, or mobile wallet, the fee remains the same.

Online Payments

SumUp also offers solutions for online payments. The transaction fee for payments processed through SumUp’s online store or payment links is 2.5%. This fee is slightly higher than in-store payments but still competitive within the market.

Invoice Payments

For businesses that need to send invoices, SumUp provides an invoicing feature. The transaction fee for invoice payments is also 2.5%, making it easy for businesses to manage their finances and ensure they get paid promptly.

Hardware Costs

SumUp Fees and Costs 1SumUp offers a range of card readers, each with different features and price points to suit various business needs. Here’s a breakdown of the costs:

SumUp Air

  • Price: £39 + VAT
  • Features:
    • Connects via Bluetooth to a smartphone or tablet
    • Accepts all major credit and debit cards, including contactless payments
    • Compact and portable, ideal for events and street fundraising
    • Secure payments with EMV chip and NFC technology

SumUp Solo

  • Price: £79 + VAT
  • Features:
    • Operates independently, does not require a smartphone or tablet
    • Built-in touchscreen for ease of use
    • Free unlimited mobile data via an integrated SIM card
    • Fast-charging battery with up to 8 hours of usage

SumUp 3G

  • Price: £139 + VAT
  • Features:
    • Includes a built-in receipt printer
    • Operates independently with Wi-Fi and mobile data capabilities
    • Secure transactions with EMV chip and NFC technology
    • Up to 8 hours of battery life

Comparing SumUp Fees with Other Providers

To put SumUp’s fee structure into perspective, let’s compare it with other popular payment providers in the UK:

Provider In-Store Transaction Fee Online Transaction Fee Monthly Fee Hardware Costs Hidden Fees
SumUp 1.69% 2.5% £0 £39 – £139 + VAT No
iZettle 1.75% 2.5% £0 £29 + VAT No
Square 1.75% 2.5% £0 £19 + VAT No
PayPal Here 2.75% 3.4% + £0.20 £0 £45 + VAT No

As seen in the table, SumUp offers one of the most competitive fee structures in the market. The lack of monthly fees and hidden costs further enhances its appeal, particularly for small businesses and charities operating on tight budgets.

Advantages of Using SumUp


The flat transaction fee of 1.69% for in-store payments is among the lowest in the industry. This can result in significant savings for businesses with high transaction volumes.


SumUp’s fee structure is straightforward and easy to understand. This simplicity allows business owners to focus on running their operations without worrying about complex fee calculations.

No Monthly Fees

The absence of monthly fees makes SumUp an attractive option for small businesses and charities that may experience fluctuating transaction volumes.


SumUp’s commitment to transparency means there are no hidden fees or unexpected costs. Business owners can confidently manage their finances knowing exactly what they will be charged.

How to Get Started with SumUp

Getting started with SumUp is simple and straightforward. Here’s a step-by-step guide:

  1. Sign Up: Visit the SumUp website and sign up for an account.
  2. Order Your Device: Choose the card reader that best suits your needs (SumUp Air, SumUp Solo, or SumUp 3G).
  3. Download the App: Download the SumUp app from the App Store or Google Play Store.
  4. Set Up Your Device: Follow the easy setup instructions to pair your card reader with your smartphone or tablet.
  5. Start Accepting Payments: Begin processing transactions and enjoy the benefits of SumUp’s competitive fees and transparent pricing.

Frequently Asked Questions

Is there a long-term contract with SumUp? No, SumUp offers flexible plans without long-term commitments.

What types of cards are accepted? SumUp accepts all major credit and debit cards, including Visa, MasterCard, American Express, Apple Pay, and Google Pay.

How secure are SumUp transactions? SumUp uses advanced security measures, including encryption and fraud detection, to ensure all transactions are secure.


SumUp offers a cost-effective, transparent, and straightforward fee structure that is ideal for small businesses and charities in the UK. With no monthly fees and a low transaction fee of 1.69% for in-store payments, SumUp stands out as a top choice for businesses looking to streamline their payment processing. Whether you are a new startup, a growing small business, or a charity organization, SumUp provides the tools and flexibility you need to manage your payments efficiently.

For more information or to get started with SumUp, visit their website.


By understanding and leveraging SumUp’s fee structure, businesses can make informed decisions that enhance their financial management and support their growth objectives.