Mainstream acquirer

SumUp

Last verified 2026-06-02

SumUp is a UK mainstream acquirer operating across in-person card payments. Headline rate 1.69% standard, 0.99% charity, next business day (same-day on sumup one), no contract. No monthly fee. Free 4G SIM on SumUp Solo. Most permissive new-merchant onboarding.

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.

Sign through us, get all of this

Take any UK acquirer. We do the rest.

Named UK account team for the life of the agreement. Acquirer pays our commission on completed introductions, so it costs you nothing on top.

24/7 dedicated support
Direct line to a named UK account manager, not a generic acquirer helpline. When your terminal goes down on a Saturday night you call us.
Quarterly rate reviews
As your card volume grows your rate should drop. We renegotiate against the 80+ UK acquirer panel every quarter, so you never overpay because you forgot to ask.
Chargeback and dispute help
UK chargebacks cost £15 to £35 per case and 60-80% are friendly fraud you can win with the right evidence. We draft the response and escalate where the acquirer drags its feet.
Switching support when you outgrow
If a better acquirer fit emerges as you grow we manage the cutover. No exit-fee surprises, no dual-running gap. Same account team across acquirers.

How we work, end to end →

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Oliver Mackman

Director, MerchantHQ

Oliver leads MerchantHQ's terminal testing and acquirer comparison. With a background in UK commercial finance and merchant payments, he oversees terminal reviews, switching guidance and high-risk vertical mapping.

Last reviewed: 2 June 2026