SumUp Transaction Fees by Payment Method

In-person (card reader): 1.69%. Online payments (payment link/ecommerce): 2.5% + $0.25. Virtual terminal (keyed-in): 3.25% + $0.15. In-person is significantly cheaper than remote payments.

Does SumUp charge monthly fees?

No. SumUp has no monthly subscription, no minimum transaction volumes, and no hidden fees. You only pay per transaction, which makes it ideal for seasonal or low-volume businesses.

Is SumUp cheaper than Square?

SumUp in-person fee (1.69%) is cheaper than Square (2.6% + $0.10). For online sales, Square (2.9% + $0.30) and SumUp (2.5% + $0.25) are similar.

SumUp Fee Calculator

Calculate SumUp fees: in-person 1.69%, online 2.5% + $0.25, virtual terminal 3.25% + $0.15. Free SumUp fee calculator.

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Sale Price ($)

Enter a sale price to see the fee breakdown.

Frequently asked questions

SumUp Fee Calculator — Transaction Fees 2026

Calculate your SumUp processing fee based on payment method: in-person, online, or keyed-in.

Three payment types

In-person (1.69%), online (2.5%), virtual terminal (3.25%).

No monthly fee

SumUp charges only per transaction — ideal for small businesses.

Fee rates verified and updated April 2026. Rates may change — verify directly with the platform before transacting.