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Our Partners
  • Barclays Bank PLC
  • CommercialExperts.com
  • Fiserv (Europe) Limited
  • Handepay Limited
  • ResQ Limited
  • SumUp Payments Limited
  • Take Payments Limited
  • Teya Services Limited
  • The Redwood Group and Associates Limited
  • Tide Platform Limited
  • WorldPay (UK) Limited
  • Yotta Digital Ltd
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  • Business Epos Systems
  • Business Telephone Systems
  • Commercial Waste Collection
  • Digital Marketing
  • Fleet Tracking
  • Invoice Finance
  • Merchant Accounts
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SumUp Review

We Look at One of The Leading Payment Processors For Small Businesses

What is SumUp?

SumUp provides payment solutions for small businesses, enabling them to accept card payments through their mobile devices. Much of what it provides to businesses is tailor-made for them.  

 

One of the biggest advantages of using SumUp for your business's finances is the lack of up-front and monthly costs. There is no sign-up fee when you set up an account and no monthly charges thereafter, so you keep a lot of the money you make. 

 

SumUp's Card Machines

SumUp offers a range of innovative payment solutions that cater to the needs of small businesses like yours. Please note that all the prices you see below were accurate at the time of writing and we endeavour to keep this page as accurate as possible. 

SumUp Air

£39 (excluding VAT)

Small, portable, and easy to use

The SumUp Air accepts all major payment types, including chip & PIN and contactless. it's the company's entry-level card machine and puts affordability at its heart. It's small, portable, and easy to use and can be purchased for £39, with your only fees thereafter being a fixed transaction fee on each payment you take with the device. 

 

The machine's key strength is its portability; you can take payments wherever you find yourself and, on one single charge, you can process over 500 transactions in a 12-hour period. In addition to this, you can monitor your sales through the SumUp app by staying connected via your smartphone's internet connection. You can purchase the Air on its own or, for an extra £10 (excluding VAT) you can buy it with a charging station so the machine can remain in use even when it's on charge. 

SumUp Solo

£79 (excluding VAT)

Comes with a charging station as standard

The SumUp Solo is a step up from the SumUp Air and offers more features for your business. Where the Air's only function is to take payments, the Solo comes with the option to issue refunds, take tips, and monitor your transaction history on the device itself. Like the Air, it also has a neat design that takes up minimal space on your counter and, like the Air, it accepts both chip & PIN and contactless payments with all major card providers as well as Google and Apple Pay.

 

With a wifi connection, the device automatically updates its software, so it's always ready for use. Unlike the Air, the Solo comes with a charging station as standard, so running out of battery is never a concern and, for those businesses wanting a bit more, you can also get the machine with a built-in printer. The printer is as portable as the divide itself and comes with a built-in battery, which allows you and your staff to print up to 800 receipts on the go. The printer option gives your business as many options as you could wish to have without having a dedicated POS station.  

POS Lite

Starts at £299 (excluding VAT)

Fully-feldged EPOS system

The POS Lite is a further step towards a higher-end payment system. Unlike the simple and minimal solutions you've seen above, the POS Lite is a fully-established EPOS system, complete with a large monitor and customisability. More designed for busy retail or hospitality environments with multiple staff members, the standard POS Lite is a large tablet screen with SumUp's EPOS software, which costs £299 (excluding VAT), but you'll need a card machine with it if you haven't got one already. The price of the tablet and Solo card reader (explored above), excluding VAT, is £349. 

 

In addition to the basic system, you also have the option of add-ons, which allow you to build an EPOS system that works for you. Add-ons include a POS Lite printer, and a POS Lite printer & cash drawer, which cost £219 and £320 respectively (excluding VAT).  Its customisability means the system can grow with your business, always meeting your hardware needs. When you have the system set up as you want it, with the hardware your business needs, the POS Lite allows you to take payments, create item catalogues and generate reports with its software. 

 

Its main benefit, however, is the fact that, unlike many other fully-fledged EPOS systems on the market, the POS Lite comes with no fixed monthly fees or contracts. 

POS Pro

Monthy fee of £49, plus the one-off hardware costs

All-in-one solution for your business

The POS Pro is as advanced as SumUp's hardware gets. It works as a fully-fledged POS system that's designed to deal with businesses with high numbers of both staff and customers. This is the option your business should be looking at if you require a highly capable payment system. 

 

An extra step up from the POS Lite explored above, the POS Pro focuses on offering an all-in-one solution for your business with a combination of hardware and software. Though it's at SumUp's higher end of hardware, simplicity is still at the POS Pro's heart as it allows you to simplify your orders, generate reports and ensure tax compliance easily. 

 

The system comes with a SumUp Air card reader as standard but, after that, the options are vast. You can personalise your system by choosing features and add-ons that work for you, so the system you get is moulded around your specific business. SumUp also provides installation videos, so you can install the systems quickly and, thanks to its simple usability, your staff can learn how to use the system in minutes. The price of the system depends on what it is that you need the system to do and how many staff members you have so the full cost depends on your personal needs. 

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Our Partners
  • Barclays Bank PLC
  • CommercialExperts.com
  • Fiserv (Europe) Limited
  • Handepay Limited
  • ResQ Limited
  • SumUp Payments Limited
  • Take Payments Limited
  • Teya Services Limited
  • The Redwood Group and Associates Limited
  • Tide Platform Limited
  • WorldPay (UK) Limited
  • Yotta Digital Ltd
Our Products
  • Business Accountancy
  • Business Epos Systems
  • Business Telephone Systems
  • Commercial Waste Collection
  • Digital Marketing
  • Fleet Tracking
  • Invoice Finance
  • Merchant Accounts
  • Website Design

All the card machines you see above have free shipping and come with a 30-day money-back guarantee. As well as card machines, SumUp also offers a virtual terminal, which allows businesses to accept card payments remotely with a mobile device. This feature is useful for businesses that need to accept payments when a card reader is unavailable, like over the phone or online.  

SumUp's Smartphone Features

At its cheaper level, SumUp is centred around smartphone technology, so many of its features can be found on its downloadable app.  Its app's intuitive design allows you to create invoices, payment links and QR codes, making it an easy and accessible companion to your SumUp card machine. SumUp's features also include:

 

  • Phone notifications after each transaction.
  • Downloadable statements in PDF and CSV format.
  • The ability to transfer money quickly
  • Access to a customer support team

 

You can also accept payments in whichever way your customers choose, including with all major debit and credit cards, via chip & PIN, and with contactless or mobile payments. Its more expensive systems also allow you to print receipts and accept cash payments, ensuring SumUp's systems can adapt to any business, and allow you to be flexible in the way you take payment. 

How Much Does SumUp Cost?

In addition to the card readers explored above, which come with their own price tags, SumUp also charges other fees for using its services. Its pricing structure is complex, with the price you pay depending on a myriad of factors. 

 

You don't pay any monthly cost for the vast majority of SumUp's payment solutions (only the POS Pro comes with a monthly fee), but you do pay transaction fees on each payment you take. If you do not have a business account with SumUp, you will pay a 1.69% transaction fee on every payment you take in person. If, however, you do have a SumUp business account, you pay a smaller transaction fee of 1.49% for the same type of payment. You pay a 2.5% transaction fee on all payments made digitally whether you have a SumUp business account or not.

 

You can make other savings by subscribing to SumUp One, which costs £19 per month. With a subscription, you pay half-price fees, so you pay 0.79% transaction fees on both in-person and digital payments. Subscribing to SumUp One may be a good option if you take a lot of payments through your SumUp system as, according to SumUp, businesses that take £30,000 or more annually can save an average of 40% on fees. If, however, only a few of your payments go through your SumUp system, the subscription wouldn't be cost-effective. 

SumUp's Business Account

The SumUp Business Account is a full UK current account. It allows your business to keep control of your finances with minimum hassle, much like you would with a current account at a conventional bank. It's a hassle-free way of linking up your business's payment systems with a bank account with which you can control your business's takings. You could link up your own bank account with SumUp, which would work largely the same way, but SumUp's bank account comes with benefits. 

 

There are no transfer fees, no monthly costs and no fee for opening your account. As well as this, you're able to enjoy cheaper transaction rates with every purchase made. You also get access to extra business tools, such as the ability to send payment links or create an online store from within SumUp's app. One of the key benefits of having a SumUp bank account, though, is the speed at which you can access your money. You will be able to access your money within one day of a sale being made, even on holidays and weekends. This is something you wouldn't always be able to do if you used a bank account from a different provider. 

Compare Top Card Machine Prices

You could save £1000s on card fees

Do you currently accept card payments?

Our form only takes 60 seconds to complete.

Compare prices from these merchants:

Unfortunately you didn't select your third party marketing preferences.
Please confirm if you would be happy to be contacted by our Trusted Third Parties by SMS, Email & Telephone regarding Third Party Services.
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Our Partners
  • Barclays Bank PLC
  • CommercialExperts.com
  • Fiserv (Europe) Limited
  • Handepay Limited
  • ResQ Limited
  • SumUp Payments Limited
  • Take Payments Limited
  • Teya Services Limited
  • The Redwood Group and Associates Limited
  • Tide Platform Limited
  • WorldPay (UK) Limited
  • Yotta Digital Ltd
Our Products
  • Business Accountancy
  • Business Epos Systems
  • Business Telephone Systems
  • Commercial Waste Collection
  • Digital Marketing
  • Fleet Tracking
  • Invoice Finance
  • Merchant Accounts
  • Website Design

FAQs

Your Questions Answered

The SumUp Business Account is a full UK current account. It allows your business to keep control of your finances with minimum hassle, much like you would with a current account at a conventional bank. It's a hassle-free way of linking up your business's payment systems with a bank account with which you can control your business's takings. 



If you have one, you will be able to access your money within one day of a sale being made, even on holidays and weekends.

You don't pay any monthly cost for the vast majority of SumUp's payment solutions (only the POS Pro comes with a monthly fee), but you do pay transaction fees on each payment you take. If you do not have a business account with SumUp, you will pay a 1.69% transaction fee on every payment you take in person. 

 

If, however, you do have a SumUp business account, you pay a smaller transaction fee of 1.49% for the same type of payment. You pay a 2.5% transaction fee on all payments made digitally whether you have a SumUp business account or not.

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Read more about how to save your business money
The Best Card Machines For Small Businesses 2024

If your business still operates a cash-only policy when it takes payments, or you're looking to upgrade the cash machines you've already got, choosing the right card reader for your business can be a trickier job than it sounds.While card machines aren't the most glamorous thing to spend your money on, they are an essential part of your business. Recent years have seen them grow in popularity and now many people use their cards to pay for the vast majority of their goods and services. You, then, need a reliable, useable, and cost-effective card machine to ensure your business is not only able to take payments by card but also take them quickly and easily with a device you understand.  The Best Card Machines for Small BusinessesDifferent machines offer your business different benefits, and knowing which is the best choice isn't always clear. That's why we've done most of the research for you, and compiled this list of some of the best card machines on the UK market. We've compared them, so you don't have to. As you're probably aware, card machines come in a variety of shapes and sizes. Some are portable and pocket-sized, while others are large and fixed to your business's countertop. We've covered all bases in this list, so you'll find a mix of different types of card machines. 

How Much Do Business Bank Accounts Cost?

What is a Business Bank Account?Business bank accounts enable you to separate your personal and business expenses; creating a convenient way to organise your tax and bookkeeping. This makes paying taxes easier and means your files are clear and easy to understand. There are several advantages to having a business bank account. For a deeper dive into what a business account can offer you and your business, read on. In this article, we outline the costs associated with opening and maintaining a business bank account and explain what you need to get started. How Much Does A Business Account Cost?Each bank has its own set of criteria for opening a business bank account. It's important to evaluate and compare the available options to find the best business checking account that suits the needs of your business. If you already have a personal account with a particular bank, there might be special offers or benefits available to you if you choose to open a business bank account with the same one. Some banks require an initial deposit or a minimum balance, while others impose varying fees for different types of transactions, such as monthly service fees, excess transaction fees, or cash handling fees.

Direct Debit Explained

A direct debit payment is a payment taken automatically from a customer's bank account periodically. It's often offered as a payment method by businesses that provide subscription services or other services that require an ongoing commitment from a customer. The main benefit of direct debit payments, for businesses and consumers, is their simplicity. Neither your business nor the customer has to worry about remembering the payment, so payments aren't missed and the relationship between you and your customers is more easily managed. How to Take Direct Debit PaymentsThe way direct debits work is fairly simple. Your customer's payment is taken from their account automatically, usually on a predetermined date, and your business then continues to provide the customer with your service. You need an agreement from your customers to take payments automatically, so make sure it's clear what they are opting in for. You don't want your customers to be confused about what it is they've committed to.  You also need to be eligible to take direct debit payments, which means you need to get a Service User Number (SUN) - a six-digit number businesses use to get paid via direct debit. You can get a SUN directly from your bank, provided you meet its criteria.  Once your bank and your customers have given you the green light to take payments automatically, you just need to set up the frequency and size of your payment. The most important thing to remember about this part is that your customers must be given 10 days' notice before each payment is taken. The notice needs to detail when the payment will be taken and how much it will be. Benefits of Taking Direct Debit PaymentsAs mentioned above, the most obvious benefit of accepting direct debit payments is the simplicity it brings to the hassle of keeping on top of recurring payments. That's not where the benefits of direct debit payments though. Other benefits include having greater predictability, greater retention, and better relationships with your customers. Having a better idea of exactly how much revenue you've got coming in from your customers and knowing exactly when you'll be receiving it can make your business's general finances more predictable and therefore more manageable. You can also use this information to inform future decisions about your business growth.  Having customers committed to your business on an ongoing basis also means they're more likely to stick around as they already know they like what you provide, making the job of your CRM that much easier.  With customers already engaged heavily with your business and your brand, they're right where you want them to be to develop your relationship with them. You can use their pre-existing interest to market more of your services, offer special discounts or offers, or reward their loyalty with a giveaway. These things will help keep their engagement with your brand nice and high.