SumUp
Last verified 2026-06-02
SumUp is a mainstream acquirer operating across in-person card payments. Full rate, settlement and contract terms are in the commercial profile below.
Verifiable identifier chain
- Legal entity
- SumUp Payments Limited
- FCA Firm Reference Number
- FRN 900700 ↗
- Companies House
- 07836562 ↗
- OpenCorporates
- View ↗
Commercial profile
- Headline rate
- 1.69% standard, 0.99% charity
- Settlement
- Next business day (same-day on SumUp One)
- Contract
- No contract
- Channels
- In-person card payments
- Tier
- Mainstream acquirer
Editorial notes
No monthly fee. Free 4G SIM on SumUp Solo. Most permissive new-merchant onboarding.
Hardware reviews
We've reviewed the hardware tier behind SumUp. See the full review at SumUp review.
More from the panel
See the full SumUp fee breakdown with the current published price table. Compare against the full UK acquirer panel or check the head-to-head matchups.
Official site: SumUp
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind MerchantHQ. His career runs through insurance, mortgages, commercial finance and fintech lending, including payments and merchant services. He writes the MerchantHQ library.
Last reviewed: 2 June 2026
Payments review: Derren Powell, payments and fintech specialist, formerly Vice President, Business Development (Merchants) at Mastercard. Reviewed 2026-08-19. Independent reviewer; the MerchantHQ editorial team retains control of the final content.