SumUp POS
Low-cost card readers and a no-monthly-fee plan for new, seasonal and mobile sellers
Rates verified October 14, 2026See pricingThe Bottom Line
- In-person card rate
- 2.6% + 10¢ (verified Oct 14, 2026). All rates and fees
Key facts
- Default plan: $0 a month, 2.6% + 10¢ in person, 3.5% + 15¢ online or typed in.
- Readers cost $54 to $99 and the Terminal $249, all bought outright.
- The full SumUp POS starts at $99 a month and is quote-based.
Pros
- No monthly fee, no monthly minimum and no hardware rental on the default plan
- Card readers start at $54 and are bought outright
- Next-day payouts on every plan
- A free business account and Visa card come with the default plan
Cons
- Online and typed-in payments cost 3.5% + 15¢
- The full POS (from $99 a month) is quote-based, with no firm price shown
- Loyalty add-ons are pricey: Connect Plus is $269 a month and Connect Pro $349
At a glance
Rates verified October 14, 2026- In-person card rate
- 2.6% + 10¢ (all plans)
- Online or invoice rate
- 3.5% + 15¢
- Keyed-in rate
- 3.5% + 15¢
- Monthly software
- Standard $0, POS Plus $49, SumUp POS (from) $99 a month
- Free plan
- Yes
- Card reader
- $54 (SumUp Plus reader)
- Terminal
- $249 (SumUp Terminal)
- Payout speed
- Next day on every plan
- Contract
- No long-term commitment. Cancel anytime.
- Best for
- Mobile and pop-up sellers, Service businesses, Retail shops
- Other fees to know
- Loyalty tools (optional): Connect Plus $269 a month, Connect Pro $349 a month
- Countries
- United States, plus 37 other countries on SumUp's region list
Sources: sumup.com/en-us/pricing, sumup.com/en-us/sumup-shop, read October 14, 2026
Is it worth it?
About $300 a month in card fees on $10,000 of in-person sales
A small shop taking $10,000 a month in card payments, in 400 sales of $25, would pay about $300 a month in total on the Standard plan: $300 in card fees (2.6% + 10¢ on 400 sales of $25) and no monthly software fee. Hardware is not included, and rates change, so the date above matters.
Read this before you sign up
- The default plan is a card reader plan, not a full POS. Several devices, floor plans and loyalty need a paid plan.
- The full SumUp POS starts at $99 a month through the sales team, so your real price depends on the quote.
- Loyalty tools are billed on top, monthly: $269 or $349.
- SumUp processes your payments as a registered payment facilitator of Fifth Third Bank, under its own merchant account rather than one in your name.
Where these numbers come from
Every rate and price on this page was read from the vendor's own pages on the dates below. Vendors change prices without notice, so check the current figure on their site before you decide.
- In-person and online rates, plan prices, payouts, cancellation Vendor page (2026-10-14)
- Reader and terminal prices Vendor page (2026-10-14)
- Reader comparison and POS Plus price Vendor page (2026-10-14)
What is SumUp POS?
SumUp is a good fit when you want to start small and keep fixed costs at zero. The default plan has no monthly fee, and you pay 2.6% + 10¢ for a card present in person, or 3.5% + 15¢ for online and keyed-in payments. SumUp also says there are no monthly minimums and no hardware rentals, so a slow month costs you nothing extra.
Hardware is bought outright. The SumUp Plus reader is $54, the Solo reader with its own screen is $99, and the Terminal with a built-in printer is $249. If you need more than payments, POS Plus is $49 a month and adds multi-device sync, floor plans and cash drawer tracking. The full SumUp POS starts at $99 a month and is sold through the sales team, so there is no firm price on the page until you ask for a quote.
Payouts arrive the next day on every plan. SumUp says you can cancel anytime, and its shop lists a 30-day money-back guarantee. The default plan also comes with a free business account and business Visa card.
Key details
No monthly fee on the default planCard readers bought outright, from $54Next-day payouts on every planFree business account and business Visa cardPayment links, invoicing and reportingAppointment bookings and other business toolsOptional loyalty tools, billed monthly
Explore more
SumUp POS FAQ
How much does SumUp charge per card sale in the US?
2.6% + 10¢ for in-person card payments, and 3.5% + 15¢ for online or manually entered payments. Checked on SumUp's US pricing page on October 14, 2026.
Does SumUp charge a monthly fee?
Not on the default plan. POS Plus is $49 a month and the full SumUp POS starts at $99 a month. SumUp says there are no monthly minimums and no hardware rental costs on any option.
How much do SumUp card readers cost?
In SumUp's US shop, the SumUp Plus reader is $54, the Solo reader is $99, the Solo Printer Bundle is $169 and the Terminal is $249. A POS Lite and Solo bundle is $499.
How fast does SumUp pay out?
SumUp says it offers next-day payouts with all of its products, regardless of your plan.
What is the difference between POS Plus and SumUp POS?
POS Plus ($49 a month) adds multi-device sync, several ticket printers, floor plan tools and cash drawer tracking. SumUp POS (from $99 a month, via sales) is the full suite, with text messaging, AI-written promotions and several stores from one login.
Can I cancel SumUp anytime?
SumUp says there are no long-term commitments and you can cancel anytime.
Source: sumup.com