SumUp
Simple card readers and pay-as-you-go pricing for market stalls, mobile sellers and micro-businesses.
Best when you need simple pay-as-you-go card readers or payment links. Relevant product areas include Card readers, Payment links, Online payments, Invoices.
SumUp's strongest coverage areas here are online checkout, payment links, in-person terminals.
What it supports
A quick feature view so SumUp can be compared with other providers on the same terms.
- Online checkout Yes
- Online/payment-link pricing is included.
- Payment links Yes
- Payment links are part of the offering.
- In-person terminals Yes
- Card reader pricing is included.
- POS / commerce tools Partial
- Simple POS/card-reader fit rather than complex commerce features.
- Subscriptions Partial
- Optional plans may change fees, not in default model.
- Developer APIs Unclear
- Not a primary Praghas comparison point.
- Business account Partial
- Merchant payout/account features may apply; banking is not estimated.
- Quote required Partial
- Pay-as-you-go rates are included; paid plans/custom rates may differ.
| Feature | Status | Notes |
|---|---|---|
| Online checkout | Yes | Online/payment-link pricing is included. |
| Payment links | Yes | Payment links are part of the offering. |
| In-person terminals | Yes | Card reader pricing is included. |
| POS / commerce tools | Partial | Simple POS/card-reader fit rather than complex commerce features. |
| Subscriptions | Partial | Optional plans may change fees, not in default model. |
| Developer APIs | Unclear | Not a primary Praghas comparison point. |
| Business account | Partial | Merchant payout/account features may apply; banking is not estimated. |
| Quote required | Partial | Pay-as-you-go rates are included; paid plans/custom rates may differ. |
Source notes
Official source publishes the same standard percentage for in-person and online payments.
Praghas assumes the pay-as-you-go plan.
Hardware and paid plan choices still affect real cost.
When it makes sense
Use these as prompts before checking the official source and running your own numbers.
Good fit when
- Best when you need simple pay-as-you-go card readers or payment links.
- Useful channels: Card readers, Payment links, Online payments, Invoices.
- Online checkout: Online/payment-link pricing is included.
- Payment links: Payment links are part of the offering.
Be careful if
- Praghas assumes SumUp's public pay-as-you-go pricing. Paid plans, subscriptions and hardware are not included.
- Praghas assumes the pay-as-you-go plan.
- Hardware and paid plan choices still affect real cost.
Fees used in Praghas
These are the public rates used for this provider. Confirm current pricing directly before deciding.
- Model status
- Public standard pricing
- Modelled channels
- Online + In-person
- Monthly/platform fee
- €0.00
- Minimum monthly processing
- None included
- VAT treatment
- No provider VAT-on-fees adjustment included
Online payments
- Domestic / EEA consumer cards
- 1.69% + €0.00
- UK cards
- 1.69% + €0.00
- Non-EEA / international cards
- 1.69% + €0.00
- Commercial cards
- 1.69% + €0.00
In-person payments
- Domestic / EEA consumer cards
- 1.69% + €0.00
- UK cards
- 1.69% + €0.00
- Non-EEA / international cards
- 1.69% + €0.00
- Commercial cards
- 1.69% + €0.00
Assumptions and exclusions
- Pay-as-you-go fixed monthly costs are €0; SumUp's optional monthly plan is not included in the default estimate.
- Pay-as-you-go pricing assumed — paid plans and tailored pricing may lower fees.
- Hardware costs are not included.
- Public pricing states the same standard fee for Online and In-Person payments.
Compare SumUp with other providers
Side-by-side fee guides that feature SumUp.
Square vs SumUpCard-reader and POS options compared for Irish businesses taking payments in person.
Revolut Business vs SumUpBusiness-account-linked payment acceptance compared with simple pay-as-you-go card payments.
Dojo vs SumUpCard machines compared: Dojo's lower rate plus monthly fees against SumUp's flat pay-as-you-go pricing.
SumUp vs StripeFlat-rate card readers compared with online-first payment infrastructure and developer tools.
myPOS vs SumUpTwo no-monthly-fee card readers compared on domestic rates, card mix and merchant-account features.SumUp fees: common questions
Common questions, answered from the same public pricing Praghas uses.
What are SumUp's fees in Ireland?
SumUp's pay-as-you-go rate is a flat 1.69% per transaction, the same for in-person and online payments, with no fixed per-transaction fee.
Does SumUp have monthly fees?
Pay-as-you-go has €0 fixed monthly cost. SumUp also offers an optional paid plan that can lower the rate; hardware is a separate cost.
Is SumUp good for market stalls and mobile sellers?
Yes — simple card readers and flat pay-as-you-go pricing make SumUp a common choice for market traders, mobile sellers and micro-businesses.
Is SumUp cheaper than Square for in-person payments?
It depends on your average transaction value and volume. Compare both on your own numbers in the Praghas calculator.
Source
SumUp
Public standard pricing used in Praghas. Confirm current rates with the provider before deciding.