Card readers for small businesses SumUp is generally best suited to smb teams and buyers. SumUp is founded in 2015 and headquartered in Remote.
Integrations: Zapier|Salesforce|HubSpot|Slack|Shopify|Google
Support: Email|Live Chat|Documentation
SumUp is one of 102 Payment Gateways tools we track and compare on this site. Our editors currently rate it 3.8 out of 5, versus a 4.3/5 average across the category. On balance, its strongest points are easy to implement and strong analytics, while the main trade-off buyers report is premium features cost more. Its feature set centers on API Access, Analytics, Automation, among others.
SumUp is rated 3.8/5 by our editors, below the 4.3/5 average across the 102 Payment Gateways tools we track. Pricing starts at 1.69% per transaction on a custom model, with a free trial available to test it first. It integrates with tools including Zapier|Salesforce|HubSpot|Slack|Shopify|Google. Support is offered via Email|Live Chat|Documentation.
If SumUp isn't quite the right fit, these are the other Payment Gateways tools we rate highest:
Wise Business Payments (rated 4.7/5) — Wise Business lets companies hold, send and receive money in 40+ currencies at the mid-market exchange rate, with local account details in major currencies — cutting the hidden markups traditional banks charge on international payments. Priced from From 0.41% per transfer, no monthly fee, versus 1.69% per transaction for SumUp. Rated slightly higher than SumUp by our editors.
PayPal Braintree (rated 4.4/5) — Full-stack processor from PayPal supporting cards, PayPal, Venmo and local methods with strong marketplace and subscription tooling. Priced from Pay-per-transaction — see site, versus 1.69% per transaction for SumUp. Rated slightly higher than SumUp by our editors.
PayMe (HSBC) (rated 4.9/5) — Hong Kong payments app Priced from Variable, versus 1.69% per transaction for SumUp. Rated slightly higher than SumUp by our editors.
PayEx (Swedbank) (rated 4.9/5) — Nordic payment gateway Priced from Custom, versus 1.69% per transaction for SumUp. Rated slightly higher than SumUp by our editors.
Worldpay (rated 4.9/5) — Global payment processing for enterprise Priced from Custom, versus 1.69% per transaction for SumUp. Rated slightly higher than SumUp by our editors.
Square (rated 4.4/5) — Payments plus POS ecosystem for small businesses — online checkout, invoices, terminals and instant onboarding. Priced from Pay-per-transaction — see site, versus 1.69% per transaction for SumUp. Rated slightly higher than SumUp by our editors.
Opayo (Elavon) (rated 4.8/5) — UK payment gateway Priced from From £19.90/month, versus 1.69% per transaction for SumUp. Rated slightly higher than SumUp by our editors.
GoCardless (rated 4.3/5) — Specialist in bank-to-bank payments — direct debit, instant bank pay and recurring collection across UK, EU, US and beyond. Priced from Pay-per-transaction — see site, versus 1.69% per transaction for SumUp. Rated slightly higher than SumUp by our editors.
Paidy (rated 4.8/5) — Japanese buy now pay later Priced from Variable, versus 1.69% per transaction for SumUp. Rated slightly higher than SumUp by our editors.
Authorize.net (rated 4.0/5) — Visa-owned gateway widely used by US SMBs — card processing, e-check, recurring billing and fraud tooling. Priced from See site for pricing, versus 1.69% per transaction for SumUp. Rated slightly higher than SumUp by our editors.
Does SumUp offer a free tier?
SumUp does not currently offer a permanent free tier. A free trial is available if you want to test it before committing.
How much does SumUp cost?
Plans start at 1.69% per transaction on a custom pricing model.
What are SumUp's standout features?
The features our editors flag most: API Access, Analytics, Automation, Integrations.
What do people like about SumUp?
Reviewers most often point to: Easy to implement; Strong analytics; Excellent support.
What are the downsides of SumUp?
The most commonly cited drawbacks are: Premium features cost more; Setup time required.
What's a good SumUp alternative?
For most buyers we'd point first to Wise Business Payments — see the full comparison above for how it stacks up on price and features.
SumUp is worth considering if you're evaluating Payment Gateways tools as a smb buyer. It rates below the category average in our tracking, so we'd suggest comparing it directly against the alternatives above before committing.Read the pros and cons above, and check the alternatives if you want a wider comparison before deciding.
If you're comparing more than one option in this space, it helps to write down the two or three requirements that actually matter for your team before you start reading reviews, since pricing pages and marketing copy tend to make every tool sound like the right fit on paper. Ask each vendor directly about contract length, cancellation terms, and what happens to your data if you switch providers later, and weigh that alongside the feature comparison above rather than the headline price alone. It's also worth checking recent user discussions on forums or review sites for anything that's changed since a vendor last updated their own marketing pages, since pricing, limits, and supported integrations can shift between major updates. A short trial period, where one is offered, is usually the fastest way to confirm a tool actually fits your workflow before you commit to a longer contract. It's also fine to start with whichever tool has the best free trial or lowest-commitment plan, use it for real work for a week or two, and only then decide whether to negotiate a longer contract — that's usually a better test than anything a comparison page, including this one, can tell you in advance.
