Pricing
What SumUp actually costs
One hardware payment, one transaction rate, and an optional monthly plan if your volume justifies it. No rental and no monthly minimum.
Pay As You Go
1.69%
£0 per month
No monthly fee, no long-term contract, no monthly minimum and no terminal rental. You pay a flat transaction fee on standard in-person card payments.
- £0 monthly fee
- 1.69% on standard in-person card payments
- No long-term contract or monthly minimum
- No terminal rental
Payments Plus
0.99%
£19 per month
A £19 monthly plan that lowers the in-person rate to 0.99% on eligible domestic consumer debit and credit card transactions. SumUp suggests it particularly for businesses processing around £3,000+ per month.
- £19 per month
- 0.99% on eligible domestic consumer debit and credit cards
- Other card types can be charged at different rates
- Cancel in line with SumUp's current terms
Hardware
Buy the reader once. Nothing to rent.
Hardware prices exclude VAT. There is no ongoing rental charge on either plan.
| Device | Price ex VAT | Approx. inc VAT |
|---|---|---|
| Solo Lite | £25 | £30 |
| Solo | £79 | £95 |
| Terminal | £135 | £162 |
| Tap to Pay | No hardware | — |
Prices last verified August 2026 against publicly available SumUp information and may change. VAT figures are rounded illustrations at the standard UK rate.
Work it out
Compare it against what you pay now
Most businesses that switch are paying a higher percentage plus a rental they had forgotten about.
Your current setup
Three numbers from your last statement is all it takes.
Estimates are for illustration only. Actual fees depend on card type, transaction type, existing provider charges and SumUp's applicable pricing.
Estimated result
£802a year
Around £66.80 a month lower than your current costs, on Payments Plus.
- Your current monthly cost
- £165.00
- SumUp Pay As You Go (1.69%)
- £135.20
- Payments Plus (0.99% + £19)
- £98.20
Payments Plus overtakes Pay As You Go at roughly £2,714 of monthly card turnover on eligible domestic consumer cards.
FAQs
Pricing questions
Hardware starts from around £25 + VAT for Solo Lite, £79 + VAT for Solo and £135 + VAT for Terminal. You buy the device outright rather than renting it, so there is no ongoing hardware rental on the Pay As You Go plan. Tap to Pay uses a compatible smartphone, so there is no reader to buy at all.
Find out what you should be paying
Two minutes, no obligation. Tell us what you take in card payments and we'll show you the setup and rate that actually fits.