SumUp is a payments company offering pay-as-you-go card readers, a handheld terminal, Tap to Pay on phones, payment links, invoices and POS software, with no monthly fee on its standard plan.
Best for
Small US retailers, cafes, service businesses and mobile sellers wanting flat-rate card payments and a simple POS without a monthly fee or contract.
Pay-as-you-go card readers, a handheld terminal and Tap to Pay on phones at one flat in-person rate, with no monthly fee or contract, plus payment links and invoices.
Every fee we track, grouped by where it applies.
In-person terminal and tap-to-pay transactions.
Same rate on every plan and device.
Standard plan. POS Plus is an optional paid plan.
Hardware is a separate one-time purchase.
Online checkout and keyed-in card transactions.
Online or manual entry. Invoices are priced separately.
Standard plan. POS Plus is an optional paid plan.
Hardware is a separate one-time purchase.
Applies to the standard plan and POS Plus.
Applies to POS Lite and POS Plus.
Funds usually arrive within 1 to 2 business days.
Side-by-side with the closest alternatives by estimated cost.
Based on $20,000/mo card volume at a $40 average transaction, 70% in person and 30% online.
SumUp
$631.50/mo est.
Clover
$624/mo est.
Stripe
$614.50/mo est.
Chase Payment Solutions
$610.50/mo est.
The same questions US merchants ask before signing up.
SumUp uses flat-rate pricing. In-person card payments are charged at 2.6% + 10c, and online or manually entered payments are charged at 3.5% + 15c. The rate is the same on every plan and device, and you only pay on successful transactions.
The standard plan has a monthly fee of Free: you buy your hardware once and pay per transaction, with no monthly minimum. POS Plus is an optional paid plan that adds floor plans, multi-device sync and cash management, and SumUp POS is a separate full system priced by plan.
SumUp advertises Next day payouts on all of its products, whichever plan you are on. Its Terminal FAQ says funds reach your bank account within one to two business days.
Free POS software on a counter register or handheld terminal, with an optional paid plan for floor plans and a full POS with loyalty and marketing sold through a demo.
Every fee we track, grouped by where it applies.
Applies to POS Lite and POS Plus.
Side-by-side with the closest alternatives by estimated cost.
Based on $25,000/mo card volume (software plus processing; hardware excluded).
SumUp
$712.50/mo est.
Square
$743.75/mo est.
Shopify
$751.50/mo est.
SpotOn
$761.25/mo est.
The same questions US merchants ask before signing up.
SumUp's POS software is $0/mo (POS Plus $49, SumUp POS from $99), and in-person card payments are processed at 2.6% plus a small fixed fee. The free plan runs on hardware you buy once, such as POS Lite or the Terminal. POS Plus and the full SumUp POS system are optional paid plans.
POS Lite is a counter register with free software. POS Plus is an opt-in paid plan that adds floor plans, multi-device sync, cash drawer management and profit tracking. SumUp POS is a full system with loyalty, automated marketing, staff tools and one login for multiple stores, sold through a sales demo.
POS Lite has no long-term contract, and POS Plus can be cancelled anytime. SumUp does not state contract terms for its full SumUp POS system on its US pages, so confirm them during the sales demo.
Cards, wallets, and other methods supported by SumUp for US merchants.
SumUp sells card readers, a handheld terminal and Tap to Pay on iPhone and Android to US small businesses, with a flat rate per transaction and no monthly fee on its standard plan. Hardware is a one-time purchase rather than a rental. Payment links, invoices and a free business account sit in the same app, POS Lite adds a counter register with free software, POS Plus adds floor plans, multi-device sync and cash management, and SumUp POS is a full system with loyalty and marketing, sold through a sales demo.
SumUp was founded in 2012 and is headquartered in Berlin, Germany.
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