Compare SumUp card readers

In need of a card reader for your business and not sure where to start? Check out our review on the SumUp card machines.

Not enough reviews Write a review
SumUp

The SumUp range

Name Product Initial cost Monthly cost Transaction cost Contract Networks Key benefits Link
SumUp Virtual Terminal
Subject to status
£0
Subject to status
visa iconmastercard icon
Go to site
View details
OFFER
SumUp Solo
£79
£0
1.69%
google pay iconapple pay iconamerican express iconvisa iconmastercard icon
When you buy a SumUp card reader with a SumUp business account, get reduced transaction fees from 1.69% to 1.49%.
Go to site
View details
OFFER
SumUp Air
£39
£0
1.69%
google pay iconapple pay iconamerican express iconvisa iconmastercard icon
When you buy a SumUp card reader with a SumUp business account, get reduced transaction fees from 1.69% to 1.49%.
Go to site
View details
SumUp Tap to Pay on iPhone
£0
£0
1.69%
visa iconmastercard icon
Read review
View details
loading
Table: sorted by transaction cost, promoted deals first

Compare other card readers

Name Product Initial cost Monthly cost Transaction cost Contract Networks Key benefits Link
Barclaycard Payments Flex Mobile
£0
£15 + VAT*
1.6%
18 month
google pay iconapple pay iconamerican express iconvisa iconmastercard icon
Read review
View details
Worldpay Mobile
£0
£17.50
1.5%
18 month
google pay iconapple pay iconamerican express iconvisa iconmastercard icon
Read review
View details
takepayments Plus
Subject to status
Subject to status
Subject to status
12 month
google pay iconapple pay iconamerican express iconvisa iconmastercard icon
Go to site
View details
Worldpay Countertop
£0
£17.50
1.5%
18 month
google pay iconapple pay iconamerican express iconvisa iconmastercard icon
Read review
View details
Stripe terminal (BBPOS WisePOS E)
£179
Subject to status
1.4% + 10p
google pay iconapple pay iconamerican express iconvisa iconmastercard icon
Read review
View details
loading
Table: sorted by transaction cost, promoted deals first

With new data showing that 2021 had the largest use of card payments ever, there is a new necessity for merchants to aid the increasing cashless society. Card readers, sometimes referred to as “card machines” or “card terminals”, offer a quick and easy way for customers to use their payment cards.

SumUp (launched in 2012) is a popular card machine brand used by over 3 million businesses globally.

When considering what card reader would work best for your business, it is important to look at all the features available. Is there a contactless function? In 2021, contactless payments “accounted for 56% of all credit card and 69% of all debit card transactions.” (UK Finance). It is wise to look at card machines that offer this function so you don’t miss out on any key sales. Use our handy table to compare SumUp’s card readers.

More about SumUp card readers

Below are the key features for each of the SumUp card readers:

SumUp Air

  • Upfront cost of £39 plus VAT
  • No fixed contract
  • Makes up to 500 sales a day on a full charge
  • Light and travel-friendly, perfect for on-the-go sales
  • 1.69% transaction fee (2.5% if card is not present)
  • Needs to connect to a phone or tablet
  • 30-day money-back guarantee

SumUp Air and Cradle

SumUp offer the option to buy the SumUp Air with a cradle attachment, allowing you to keep your card reader charged all day.

  • Upfront cost of £44 plus VAT
  • No fixed contract
  • The cradle keeps the reader fully charged
  • Small and compact, perfect for SMEs
  • 1.69% transaction fee (2.5% if card is not present)
  • Needs to connect to a phone or tablet
  • 30-day money-back guarantee

SumUp Solo

  • Upfront cost of £79 plus VAT
  • No fixed contract
  • Makes up to 100 sales on a full charge
  • 1.69% transaction fee (2.5% if card is not present)
  • Needs to connect to a phone or tablet
  • 30-day money-back guarantee

SumUp Tap to Pay

  • No upfront cost
  • No fixed contract
  • No monthly cost
  • 1.69% transaction fee
  • No card reader needed, just your iPhone

Pricing and contracts

SumUp offer 2 different pricing options for its fees:

Pay-as-you-goSumUp One
Monthly subscription£0 – No monthly charges or contracts are included.£19 – Discounts on fees and hardware are available, and the subscription can be canceled at any time.
In-person payments1.69% transaction fee (1.49% with a SumUp business account)0.99% transaction fee
Digital payments2.5% transaction fee0.99% transaction fee

How to order a SumUp card machine

After you have researched and chosen the best card reader for you or your business, you can start the application process.

To apply for a SumUp card reader, head over to SumUp's online application, which takes 10-15 minutes to complete. Once your application is accepted, your card reader will be couriered to you.

Pros and cons of SumUp card readers

Pros

  • Accepts a wide range of networks
  • Machines can be docked or used on the go
  • Ability to print receipts (with SumUp 3G and Printer)
  • Works in conjunction with the free SumUp app
  • No contracts
  • 30-day money-back guarantee
  • 12-month warranty period

Cons

  • Transaction fees apply
  • The SumUp Air needs to be connected to a tablet or phone
  • Longer settlement period of payments compared to rivals
  • Only the SumUp 3G and Printer comes with a receipt printer
  • Tap to Pay is only compatible with iPhones

Our verdict

The SumUp card readers are a popular option among merchants and we can see why. With a few machines to choose from, ranging in price, you can use the SumUp card readers on the go or docked into your professional set-up, ideal for a variety of businesses.

On the whole, SumUp customers rave about the quick and simple set-up and use of the machines, but there are some who have also raised concerns about the reliability of the app software.

When comparing SumUp to rivals, the SumUp card readers tend to have lower transaction costs and sit in the middle of the price spectrum. However, they do have a longer settlement period of payments than most, who seem to pay out within 1-2 working days.

Overall, SumUp offers a great variety of card readers for small-medium businesses. Which machine you choose to go for really depends on your business’s needs. You can use our handy guide to compare a range of card machines and make an informed decision.

SumUp customer reviews

SumUp has received mixed reviews from customers, according to customer review sites like Trustpilot and the Apple App Store.

It currently has a TrustPilot rating of 3.0 out of 5 stars, based on over 11,000 reviews (updated August 2023). 66% of reviewing customers gave SumUp an “Excellent” rating, reporting that the card reader is “easy to set up and use” and they received “excellent customer service” from the provider. On the flip side, 23% of customers rated the card reader provider as “Bad”, with some of their comments stating that they have had issues with the app software and accounts being “blocked” unexpectedly.

On the Apple App Store, SumUp currently has a rating of 4.7 out of 5, based on over 7,000 ratings (updated August 2023). Like the Trustpilot reviewers, those who rated SumUp with low scores said that they experienced issues with the app software. However, those who rated the provider highly, gave praise to the quick and simplistic nature of the card reader. One customer commented that the product was a “game changer”.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

More guides on Finder

Go to site