SumUp Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

As per the company website, SumUp is best for logistics, technology, and retail companies of any size.

Specializes in

SumUp offers in-person credit card processing via its SumUp Lite and SumUp Pro card reader. The devices connect to a mobile phone via Bluetooth, accepting card payments securely on the internet. Transaction storage is over the cloud, allowing real-time access from the backend dashboard to all sales.

Pricing Summary

Setup Fee: $0

Monthly Fee: $0

Swipe Rate: 2.75% per transaction

Keyed-in Rate: 3.25% + $0.15 per transaction

Early Termination Fee : $0

Contract Terms:

No Contract Required
Visit SumUp

SumUp was founded in 2012 and is currently located in Deleware. In 2016, SumUp merged with Payleven, retaining the former brand name. Daniel Klein is the CEO of the firm.

The company offers flat-rate pricing and no monthly minimums, which lend to its reputation as an affordable merchant payment processor.


SumUp Overview


Based on the official website, SumUp provides mobile card readers, remote payments, and gift cards to renowned industry leaders like DHL, Bosch, Staples, MyTaxi, and Flixbus.

Quick Facts

Head Quarters

London, UK

Year Founded



Daniel Klein



Merchant Provider Risk Tolerance

What We Like

Predictable flat-rate pricing

No monthly minimums

PCI-compliant solution

Affordable chip card hardware

Ideal for low-volume merchants

Free virtual terminal for qualifying businesses

What We Don't Like

Limited features

Account stability issues

No in-app invoicing

Limited reporting

Industries Served

  • Accounting & Tax Prep
  • Cigars & Tobacco
  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gaming
  • Gas Station
  • Hunting & Outdoor Equipment
  • Personal Service
  • Restaurant / Bar
  • SAAS
  • Thrift Store

Business Types Served

  • International
  • Document Preparation
  • Ecommerce
  • High Volume
  • Information
  • Low Risk
  • Mobile
  • Mom & Pop
  • Retail / Card Present
  • Small Business

SumUp Products & Services


SumUp lists the following products on its website:

Sumup Lite: According to the firm, the SumUp Lite card reader combines best-in-class components with a sleek design at an affordable price point of $19. the SumUp lite is ideal for small businesses or firms with lower card payment volumes that want to try a reader before switching to something more expensive.

Sumup Plus: The superior SumUp plus card reader, costing $39, can process over 500 transactions on a single charge and accept magstripe, chip, and contactless payments. It also comes with NFC, Bluetooth, and an integrated Li-ion battery. It comes with extra features like product cataloging, administrative tools, and more.

Remote Payments: The company is providing contactless payments to assist firms affected by Covid-19. Its advertising indicates that it's a way to accept customer payments remotely and safely. Firms can send payment links to customers via email, text, or any other messaging app. Alternatively, companies can use the virtual terminal to process customer card information over the phone.

SumUp Payment Processing

  • Cash Transactions
  • Contactless NFC
  • Credit Card Processing
  • Debit Card Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Retail Payment Processing
  • Virtual Terminal

SumUp Billing & Invoicing

  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing

SumUp Advertising & Sales

SumUp primarily markets its services on its website and via its affiliate program.

The company's website promotes simple, fixed-rate pricing on all transactions.

Among the 8 complaints mentioned before, there is 1 advertising/sales complaint highlighting unwanted account termination by SumUp.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


SumUp Pricing, Rates & Fees


Pricing terms are available on the official website as follows:

  • 75% per in-person transaction

  • 25% + $0.15 per remote transaction

  • 90% + $0.15 per online invoice.

The mobile card readers prices are as follows:

  • SumUp Lite for small firms: $19*

  • SumUp Plus for medium and large firms: $39*

*One-time cost, including free shipping.

Pricing at a Glance

Pricing Model

Flat Rate

Swiped Rate

2.75% per transaction

Keyed-in Rate

3.25% + $0.15 per transaction

Mobile Payment Rate

3.25% + $0.15 per transaction

Virtual Terminal Rate

3.25% + $0.15 per transaction

Monthly Fee


Payment Gateway Fee


Batch Fee

Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms

One-Time Card Reader Price ($19 & $29)

Address Verification Service (AVS)

Application Fee


Account Setup Fee


Gateway Setup Fee


Annual Fee


Monthly Minimum


Statement Fee


SumUp Contract & Terms

Based on the company website, SumUp has 'no contracts, no monthly minimums, no complications.' It doesn't have any recurring cost whatsoever.

Plus, the card readers have no rental contract either and comes with a 1-year warranty.

Contract Length

No Contract Required

Early Termination Fee


SumUp Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)

SumUp Complaints, Ratings & Reviews

SumUp has a profile with Better Business Bureau since 2012, and it currently boasts an A+ rating. SumUp is not BBB-accredited, and it has a customer rating of 1 out of 5 (3 reviews).

Moreover, said profile has 8 complaints to report, all of which saw a satisfactory resolution to date.



A+ (6 Customer Complaints)








Total Online Reviews


Total Online Complaints





If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks