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SumUp card machine fees

SumUp charges 1.69% on in-person card payments on its pay-as-you-go option, with no monthly fee and no contract. The Solo Lite reader costs £25 plus VAT.

What does SumUp charge?

SumUp charges 1.69% per in-person card payment on its pay-as-you-go plan, the same rate for American Express and premium cards, with no fixed fee per sale, no monthly fee and no contract. Online payments and payment links cost 2.5%. The Solo Lite reader costs £25 plus VAT. If you take £3,000 or more a month, SumUp's optional Payments Plus plan (£19 a month) cuts domestic debit and credit card payments to 0.99%.

Want to see how SumUp stacks up for your own takings? Use the card machine fees calculator, or see every provider on the comparison table.

SumUp at a glance

Plan compared	Pay-as-you-go
Monthly fee	£0.00 (checked 19 October 2026)
In-person rate	1.69% per sale (checked 19 October 2026)
Online / payment links	2.5% per sale (checked 19 October 2026)
Amex / commercial cards	Same as standard rate
Reader (buy)	£25.00 (checked 19 October 2026)
Reader (rent)	£0.00 a month
Contract	None
Payouts	1 working day

What SumUp would cost: worked examples

Estimated monthly cost for three example businesses taking all payments in person, using the figures above.

Example business	Per month	Effective rate	First year (incl. reader)
Low: £800/month, £15 average sale	£13.52	1.69%	£187.24
Medium: £3,000/month, £20 average sale	£50.70	1.69%	£633.40
Higher: £12,000/month, £35 average sale	£202.80	1.69%	£2,458.60

Who SumUp suits

Sole traders and small businesses with low or seasonal card takings
Businesses that want no monthly fee and no contract
Market stalls and mobile traders using a phone-paired reader

Things to check before signing up

Online payments and payment links cost 2.5%, more than the in-person rate
Payments Plus (£19 a month) cuts domestic consumer cards to 0.99%, but American Express, premium and international cards stay at 1.69%
Next-day payouts go to the SumUp Business Account; check timings if you want money paid to another bank

Check current prices on SumUp's website.

SumUp head to head

Compare SumUp with

Frequently asked questions

What does SumUp charge per transaction?

1.69% for in-person card payments on pay-as-you-go, including American Express, with no fixed fee per sale. Online payments and payment links cost 2.5%. SumUp says it doesn't charge for declined payments.

Does SumUp have a monthly fee?

Not on pay-as-you-go: there's no monthly fee, no minimum and no contract. Payments Plus is an optional £19-a-month plan (or £189 a year) that lowers domestic card fees to 0.99%; American Express, premium and international cards stay at 1.69%.

How much is a SumUp card reader?

The Solo Lite costs £25 plus VAT (£30 including VAT) when we checked. SumUp's Solo and Terminal readers cost more. There's no rental: you buy the reader outright.

What are SumUp fees for a £100 sale?

On pay-as-you-go, 1.69% of £100 is £1.69 in person, or £2.50 through a payment link at 2.5%.

When does SumUp pay out?

Into the free SumUp Business Account by 7am the next day, including weekends and bank holidays, according to SumUp. Check the timings if you want money paid straight to another bank.

Is SumUp cheaper than Square or Zettle?

For in-person card payments, slightly: see SumUp vs Square and SumUp vs Zettle for the side-by-side figures.

Where do these SumUp prices come from?

SumUp's own UK pricing and help pages (listed under Sources below), on the date shown next to each figure. Prices change, so always confirm on SumUp's site before you sign up.

Sources and last checked

SumUp UK pricing — checked 19 October 2026
SumUp: card readers — checked 19 October 2026
SumUp: pricing fees — checked 19 October 2026

Last reviewed 19 October 2026 by Oliver Burton. Editorial policy.