SumUp
SumUp is a mainstream acquirer operating across in-person card payments. The published 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% pay-as-you-go, 0.99% on Payments Plus (£19 a month)
- Settlement
- Next business day (same-day on SumUp One)
- Contract
- No contract
- Channels
- In-person card payments
- Tier
- Mainstream acquirer
Rate source: SumUp UK pricing, checked 23 September 2026. Published rates change, so confirm with SumUp before you sign.
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 index
See the full SumUp fee breakdown with the current published price table. Compare against the full Card Acquirer Index 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 updated:
Payments review: Derren Powell, payments and fintech specialist, formerly Vice President, Business Development (Merchants) at Mastercard. Independent reviewer; the MerchantHQ editorial team retains control of the final content.