SumUp fees: the full UK breakdown

SumUp published prices, July 2026

### SumUp UK fees as of July 2026

| Fee | Amount | Notes |
| --- | --- | --- |
| In-person card payments (pay-as-you-go) | 1.69% | Same rate for all cards, including American Express and premium cards |
| In-person payments made with a SumUp Card | 0.00% |  |
| Online payments | 2.5% |  |
| Monthly fee (pay-as-you-go) | £0 | No contract |
| Payments Plus plan | £19 per month | 0.99% in-person for domestic debit and credit cards; 1.69% for premium, international and American Express cards; online stays 2.5% |
| Invoices Plus plan | £8 per month excl. VAT |  |
| POS Plus plan | £29 per month |  |
| Business Account Plus plan | £15 per month inc. VAT |  |

Source: sumup.com/en-gb/pricing (https://www.sumup.com/en-gb/pricing/)

As published on the SumUp UK pricing page, July 2026. SumUp can change published pricing at any time; check the source page before relying on a figure.

Worked example: what SumUp costs at £10,000 a month

Scenario: £10,000 of monthly card volume at a £25 average transaction (400 transactions a month), using the 1.69% pay-as-you-go in-person rate and SumUp Solo hardware at £99, the entry price recorded in our terminals dataset. The same default scenario runs in our fees calculator, where you can put in your own figures.

### SumUp effective-cost example, £10,000 monthly volume, £25 average transaction

| Line | Amount |
| --- | --- |
| Transaction fees per month | £169.00 |
| Monthly fee | £0 |
| Hardware (one-off, amortised over year 1) | £99 |
| 12-month total cost | £2,127 |
| Effective rate on £120,000 annual volume | 1.77% |

Source: MerchantHQ, computed from the published inputs above

Illustrative. Effective rate is total year-one cost divided by annual card volume. Your card mix, ticket size and channel split move the real figure.

How SumUp compares with the UK market

SumUp is one of the 57% of UK acquirers in our Card Processing Fee Index that publish a headline rate you can see before talking to sales. Its 1.69% flat rate sits in the lower-middle of the 0.7% to 6% published-rate range across the 42-acquirer panel, and the absence of a monthly fee makes the published rate unusually close to the true effective rate at low volume.

Panel context from the UK Card Processing Fee Index: published headline rates across the acquirers we track range from about 0.7% to 6%, and 43% publish no rate at all. Full per-acquirer data is in the Card Acquirer Index.

How the SumUp fee structure actually works

• One flat in-person rate: SumUp charges 1.69% whether the card is a basic debit card or a premium Amex, which is simpler than tiered or interchange-plus pricing.
• The online rate is higher: payment links, invoices and online store payments cost 2.5%, not 1.69%. If a large share of your takings is remote, model both rates.
• The £19 Payments Plus plan only wins at volume: it cuts domestic in-person cards to 0.99%, so it beats pay-as-you-go once monthly card volume passes roughly £2,714 (where the 0.70 percentage point saving covers the £228 annual plan cost). Premium, international and Amex cards stay at 1.69% on both plans, so a premium-heavy card mix moves the break-even higher.
• No monthly fee, no contract, no exit fee on pay-as-you-go: the only recurring cost is the transaction rate itself.

Frequently asked questions