SumUp Card Terminal United Kingdom 2026 • 1.69% Flat Rate

SumUp United Kingdom Fee Calculator

Calculate transaction fees for SumUp Standard (1.69%), SumUp One (£19/mo) discounts, and payment links in GBP.

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Customer Payment / Sale (GBP)

Presets:

Current SumUp Rate

1.69% flat in-person rate with £0 fixed fee.

Total SumUp Processing Fee 0.00% Effective

£0.00

SumUp Merchant Deduction

Customer Total Paid: £0.00

SumUp Percentage (0%): £0.00

Fixed Transaction Fee: £0.00

Net Merchant Payout

£0.00

Monthly Plan

£0/mo

PDF Slip

In Plain English: Calculating payout breakdown...

Fee Wealth Leakage Radar & Profit Drag

Compounded Wealth & Margin Impact

Payment Volume: 20 / month

Your Net Profit Margin: 20% Margin

5% (Low Margin Ecom) 20% (Agency) 50% (SaaS/Digital)

Annual Fee Drain

Direct processor cut/yr

3-Year Outflow

Cumulative friction

5-Yr Future Wealth

Lost @ 8% investment

Profit Drag %

Of your net profit taken

Bottom-Line Net Profit Split:

85.3% Kept 14.7% Absorbed by Fee

Multi-Rail Arbitrage ("Switch & Save")

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Sumup (Current)

Active Baseline

ACH Direct Debit

Save +$0.00

In-Person Terminal

2.6% + 10¢

Int'l Card (+1.5% FX)

Cross-Border Markup

Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits

Target Net Payout

Compliant Surcharge

Final Gross Invoice

⚖️ 2026 Legal Surcharging Compliance Rules:

• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.

• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.

• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.

Client Invoice Message

Bookkeeping Journal Entry

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Was this Sumup calculation accurate today? Updated with published 2026 merchant rates.

SumUp Hardware & Pricing Plans (United Kingdom)

SumUp is one of the most affordable mobile card readers worldwide, featuring standalone terminals with free built-in 3G/4G SIM cards.

Hardware Terminal Options

SumUp Air (£29) / SumUp Solo (£79)

No smartphone required when using the SumUp Solo touch terminal.

SumUp vs Square UK/EU

SumUp Standard charges 1.69% in the UK (vs Square 1.75%), and SumUp One offers 0.99% flat.

SumUp Plan Breakeven: Standard vs Plus Subscription

Evaluating when upgrading to SumUp's paid monthly subscription (SumUp One (£19/mo) at £19/mo) generates positive net ROI:

Monthly Subscription Breakeven Formula

Breakeven Volume = Subscription Fee ÷ (Standard Rate - Subscription Rate)

Standard processing is 1.69% vs SumUp One (£19/mo) at 0.99% (a 0.70% fee reduction). Once your business turns over more than: £19 ÷ 0.0070 = £2,714/month , upgrading saves more in merchant deductions than the monthly subscription cost.

Strategic Margin Defense: 4 Protocols for Mobile POS Merchants

Tactical operational levers to eliminate micro-transaction fee drag:

Automate Plan Upgrades Based on Seasonal Volume

Activate SumUp One (£19/mo) during peak retail seasons (summer or holidays), then downgrade to the zero-monthly-fee Standard plan during off-peak periods without penalty.

Incentivize Account-to-Account & Domestic Rails

Encourage domestic payment methods like QR codes, Pix, or local debit where processing take-rates are substantially lower than international credit cards.

Eliminate Smartphone Pairing Failure Points

Deploy standalone terminals like SumUp Solo with built-in unlimited cellular data SIM cards to prevent lost sales caused by phone battery or Bluetooth pairing drops.

Claim Full Tax Write-Offs on Processing Commissions

Every transaction fee deducted by SumUp is an ordinary operating business expenditure 100% tax-deductible from gross commercial revenues.

Frequently Asked Questions about SumUp in United Kingdom

1. What are SumUp card processing fees in the UK for 2026? ▼

In the UK, SumUp charges a flat 1.69% for in-person card payments on its standard plan (£0/mo), or 0.99% on its SumUp One subscription (£29/mo). Remote payment links and invoices cost 2.50%.

2. When does the SumUp One £29/mo plan become profitable in the UK? ▼

SumUp One breaks even at approximately £4,150 in monthly card sales. Because it drops your processing rate from 1.69% to 0.99% (a 0.70% savings), sales above £4,150 generate net savings over the £29 fee.

3. How does SumUp compare to Zettle and Square in the UK? ▼

SumUp's standard 1.69% rate is slightly cheaper than Zettle and Square (both at 1.75%), saving £6 per £10,000 processed even without a monthly subscription.

4. Do SumUp terminals support contactless Apple Pay and Google Pay? ▼

Yes. All SumUp readers (SumUp Air, Solo, and Solo Lite) fully support contactless EMV chip, Apple Pay, Google Pay, and Samsung Pay.

5. Can UK businesses surcharge customers for card payments on SumUp? ▼

No. Surcharging consumer cards is illegal in the UK under Payment Services Regulations 2017. B2B commercial card surcharges are permitted if cost-reflective.

6. How fast do card payments payout into UK bank accounts? ▼

Card revenue deposits in 1 to 2 business days into any UK bank (Barclays, HSBC, NatWest, Lloyds), or next-day 7 days a week into the free SumUp Business Account.

7. What dispute fees apply to SumUp chargebacks in the UK? ▼

SumUp charges a £10.00 dispute administration fee per contested transaction.

8. Are SumUp terminal purchases and transaction fees tax-deductible in the UK? ▼

Yes. All SumUp fees are 100% allowable business expenses deductible against UK Corporation Tax or Self-Assessment.