takepayments vs SumUp – compare card readers

Offering flexible payment plans and long-life payment machines, we compare the top card readers from SumUp and takepayments.

Compare SumUp and takepayments Compare providers
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In an increasingly cashless society it is important to invest in a good card reader for your business. In this battle of the card readers, we compare the best products from SumUp and takepayments.

SumUp vs takepayments: provider overview

When looking at card readers, there are 3 main types to consider: countertop, portable and mobile. Countertop and portable are quite often referred to as payment terminals and mobile machines are often called readers. Both SumUp and takepayments offer these options and you can compare the full range below.

In this guide, we are comparing their 2 most popular “on-the-go” machines, the SumUp Air and the takepayments Plus.

SumUp
ProductsSumUp Air, SumUp Air and Cradle, SumUp Solo, SumUp 3G and Printer
Payment methodsContactless, Chip and Pin
Alternative payment methodsQR code,Payment link
Apple PayYes
Google PayYes
ConnectivityBluetooth
Requires connection to a phone or tabletYes
Battery life500 sales on a full charge
Warranty period12 months
takepayments
ProductsTakepayments Plus, Countertop, Portable, Mobile
Payment methodsContactless, Chip and Pin, Magnetic swipe
Alternative payment methodsPayment link,Over the phone
Apple PayYes
Google PayYes
ConnectivitySIM card,Bluetooth,WiFi
Requires connection to a phone or tabletNo
Battery lifeDesigned to last all day

The SumUp Air vs the takepayments Plus: product overview

SumUp Air

SumUp Air

takepayments Plus

takepayments Plus

Compare rates and fees

Card readers come with a range of rates and fees, these costs are usually made up of the cost of the machine and the cost of transactions made. However, there are often some additional fees to be aware of. Use our guide for further explanations of the different charges you might come across in your research.

Some of the most important ones to note are payment plans

Unlike other card reader providers, takepayments creates personalised payment plans for the individual businesses and depending on your company’s turnover this could be more expensive or less expensive than its competitors. But you will have the reassurance that the payment plans will be fair.

Another thing to note is that takepayments works on a contract basis, whether that is a rolling month by month or annual contract. This is great for businesses that like the stability of having a consistent contract in place. SumUp, however, offers you the flexibility of having no contract at all.

When it comes to settlement periods, SumUp has a current settlement period of 1-3 days, whereas takepayments state that it will payout by the next business day.

Product
OFFER
SumUp Air
takepayments Plus
Product NameSumUp Airtakepayments Plus
ContractNo contract12 month
Initial cost£39
Monthly cost£0
Transaction cost1.69%Subject to status
Transaction cost (card not present)2.5%N/A
Settlement 1-3 working days1 working day
Money-back guaranteeYesNo
Money-back guarantee details30-day money-back guaranteeN/A
Chargeback cost£10

Compare features

Now that you’ve compared the costs that come with the SumUp Air and takepayments plus, it is time to turn your head to the features. There are several different features you should look out for when comparing card readers, you can use our guide to find out more information on what these are.

At a glance, you will see that the takepayments plus is peacocking plenty more features compared to the SumUp Air, and that’s great if you’re looking for a card machine that has a printer attached, that accepts cards by magnetic swipe or even a machine that can work without the need of a smartphone or tablet.

But, you can’t underestimate the SumUp Air. Some businesses will be looking for a compact, lightweight machine and the SumUp Air certainly packs a powerful punch in this area.

Another area where the SumUp Air has outstanding performance is its battery life. The SumUp Air has consistent reviews praising its battery life and with the goal of 500 transactions per full charge, it can be argued that it holds the best battery on the market. Whereas the takepayment machine does not specify how much charge the device has, just that it is designed to last all day.

Product
OFFER
SumUp Air
takepayments Plus
Product NameSumUp Airtakepayments Plus
Networksgoogle pay iconapple pay iconamerican express iconvisa iconmastercard icongoogle pay iconapple pay iconamerican express iconvisa iconmastercard icon
ConnectivityBluetoothSIM card, Bluetooth, WiFi
Payment methodsContactless, Chip and PinContactless, Chip and Pin, Magnetic swipe
Alternative payment methodsQR code, Payment linkPayment link, Over the phone
Requires connection to phone or tablet
Battery life500 sales on a full chargeDesigned to last all day
Printer attached
Add ons

Bottom line

So, who is winning today’s battle of the card readers? Well, at the end of the day, it’s up to you and your business to decide what card machine will work best for you.

Both SumUp and takepayments offer products at the different ends of the card reader spectrum. One offers compact and lightweight readers perfect for SMEs on-the-go and the other offers portable terminals that are great options for restaurants or independent retailers.

Depending on whether you want to commit to a contract for more personalised fees or if you want to pay for a one off machine, you can compare the SumUp and takepayments range below.

Compare the SumUp and takepayments range

Name Product Initial cost Monthly cost Transaction cost Contract Networks Key benefits Link
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
SumUp Virtual Terminal
Subject to status
£0
Subject to status
visa iconmastercard icon
Go to site
View details
takepayments Countertop
Subject to status
Subject to status
Subject to status
12 months
google pay iconapple pay iconamerican express iconvisa iconmastercard icon
Go to site
View details
takepayments Mobile
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
takepayments Virtual Terminal
Subject to status
£0
Subject to status
google pay iconapple pay iconamerican express iconvisa 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
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Table: sorted by transaction cost, promoted deals first
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.

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