Revolut Businessvs
SumUp·IrelandRevolut Business vs SumUp fees in Ireland
A side-by-side look at Revolut Business and SumUp public card-processing rates for Irish businesses, with a sample €10,000/month scenario.
- Saving at €10,000/mo
- €7/mo
- Revolut Business
- €176/mo
- SumUp
- €169/mo
SumUp is lower in this example · ≈ €84 a year
1.76% effective rate
1.69% effective rate
Revolut Business and SumUp overlap for small businesses that want to accept cards without a traditional merchant account. Revolut Business ties payment acceptance to a wider business account and banking dashboard. SumUp focuses on simple pay-as-you-go card readers, payment links and online payments.
The comparison is sensitive to card mix. Revolut's public pricing separates domestic consumer cards from commercial and international cards. SumUp's public pay-as-you-go rate is treated as one standard rate across card buckets.
Quick answer
Use this as a starting point before checking the fee table.
Revolut Business is stronger when payment acceptance belongs inside a wider business-account workflow. SumUp is stronger when the job is simply taking cards with a reader or payment link.
Choose Revolut Business if
you already run your business banking through Revolut or want payment acceptance, links and account operations close together.
Choose SumUp if
you want a simple pay-as-you-go card reader or payment-link setup without choosing a wider banking platform.
What this guide compares
Use this to rule providers in or out before checking the details that matter to your business.
- Included
- Public card-processing fees, supported features and common Irish small-business use cases.
- Not included
- Negotiated rates, hardware purchases, chargebacks, refunds, currency conversion, optional software plans and provider-specific add-ons unless explicitly stated.
Main fee differences
These are the assumptions most likely to move the estimate.
What changes the fee gap
- Revolut's estimate changes with domestic, commercial and international card mix.
- SumUp's pay-as-you-go model is simpler in Praghas because one standard percentage is applied across card buckets.
- The result can change if you compare SumUp's paid Payments Plus plan separately for higher in-person volume.
Watch out for
- Revolut Business is not just a card-reader comparison; account workflow may be part of the decision.
- SumUp hardware and optional paid plans are outside the default fee estimate.
- Domestic card assumptions should be checked if your customer base is not mainly Irish consumer cards.
Feature comparison
Capability coverage from the Praghas provider directory.
- Online checkout
- Revolut BusinessYesSumUpYes
- Payment links
- Revolut BusinessYesSumUpYes
- In-person terminals
- Revolut BusinessYesSumUpYes
- POS / commerce tools
- Revolut BusinessPartialSumUpPartial
- Subscriptions
- Revolut BusinessUnclearSumUpPartial
- Developer APIs
- Revolut BusinessPartialSumUpUnclear
- Business account
- Revolut BusinessYesSumUpPartial
| Feature | Revolut Business | SumUp |
|---|---|---|
| Online checkout | Yes | Yes |
| Payment links | Yes | Yes |
| In-person terminals | Yes | Yes |
| POS / commerce tools | Partial | Partial |
| Subscriptions | Unclear | Partial |
| Developer APIs | Partial | Unclear |
| Business account | Yes | Partial |
Example fee comparison
Based on €10,000.00/month, €50.00 average sale, default online payment mix. Run your own numbers for an accurate comparison.
| Provider | Monthly | Annual | Rate | vs lowest | |
|---|---|---|---|---|---|
| €169.00 | €2,028.00 | 1.69% | Baseline | Visit provider | |
| €176.00 | €2,112.00 | 1.76% | +€7.00/mo+€84/yr | Visit provider |
The table sorts the two providers by estimated monthly fee for this sample scenario only. It is not a quality ranking or recommendation.
When each is a fit
Use these notes as decision prompts before running your own numbers.
Consider Revolut Business if
- You already use Revolut Business or want payments near your business account
- Most transactions are domestic consumer cards
- You want payment links, invoices and banking in one operational setup
Consider SumUp if
- You want a simple card reader or payment-link setup
- You prefer one standard pay-as-you-go processing rate in the model
- You do not need business banking attached to payment acceptance
The verdict
Revolut Business can look strong when your card mix is mostly domestic consumer cards. SumUp is simpler to reason about because its pay-as-you-go pricing is treated as one standard rate. The right choice depends on whether banking integration or card-reader simplicity matters more.
Read the provider notes
Each provider page lists the rates, assumptions and exclusions used by Praghas.
Frequently asked questions
Not exactly. Revolut Business combines business-account features with payment acceptance. SumUp is more focused on card readers and simple payment acceptance.
Revolut's public pricing has different lines for domestic consumer cards, domestic commercial cards and international cards. A higher share of commercial or international cards can change the comparison.
Sources
- Revolut Business pricing
Revolut Business
- SumUp pricing
SumUp
Figures are estimates based on public standard pricing and may be out of date. Confirm current rates with each provider before deciding.