SumUp Card Terminal United States 2026 • 2.60% Flat Rate

SumUp United States Fee Calculator

Calculate transaction fees for SumUp Standard (2.60%), SumUp Plus Plan discounts, and payment links in USD.

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Customer Payment / Sale (USD)

Presets:

Current SumUp Rate

2.6% + $0.10 in-person tap, chip, and swipe rate.

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")

Compare 42 Global Rails →

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 States)

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 ($39) / 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 Plus Plan at $19/mo) generates positive net ROI:

Monthly Subscription Breakeven Formula

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

Standard processing is 2.60% vs SumUp Plus Plan at 1.99% (a 0.61% fee reduction). Once your business turns over more than: $19 ÷ 0.0061 = $3,115/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 Plus Plan 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 States

1. What are official SumUp credit card fees in the US for 2026? ▼

SumUp US charges 2.6% + $0.10 for in-person card transactions on its free plan ($0/mo), or 1.99% + $0.09 on its SumUp Plus plan ($19/mo). Virtual terminal and invoicing cost 3.5% + $0.15.

2. When does the SumUp Plus $19/mo plan become worth it in the US? ▼

SumUp Plus breaks even at approximately $3,100 in monthly processing volume. Once your business exceeds $3,100/month, the 0.61% rate reduction (1.99% vs 2.60%) saves more than the $19 monthly subscription fee.

3. Are SumUp card readers standalone without a phone? ▼

Yes. The SumUp Solo terminal has a built-in touchscreen and free unlimited cellular data SIM card, allowing you to accept payments anywhere without connecting to a smartphone.

4. How does SumUp compare to Square in the United States? ▼

Both charge 2.6% + $0.10 on their free plans. However, SumUp offers the $19/mo Plus plan lowering rates to 1.99% + $0.09, which Square does not offer without custom enterprise negotiation.

5. Can US merchants pass SumUp credit card fees to customers? ▼

Yes. In 47 US states, merchants can legally apply cash discounting or dual pricing up to 3% to offset processing overhead.

6. How fast do SumUp card funds deposit into US bank accounts? ▼

Funds deposit in 1 to 2 business days into your linked bank account, or instantly into the free SumUp Business Account and Mastercard debit card.

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

SumUp charges a $15.00 dispute administration fee per chargeback filed by a cardholder.

8. Are SumUp hardware and processing fees tax-deductible? ▼

Yes. All card processing fees and hardware purchases are 100% tax-deductible business operating expenses on IRS tax returns.