SumUp: verified facts and rating
Checked 2026-11-01
Score breakdown
79% backed by facts · How we rank
SumUp against the market
The dot is the company, the line is the median of all companies in this ranking.
Online card fee1.8%3.5%3.5% · median 2.9%
Fixed fee per payment$0.00$0.49$0.15 · median $0.29
Payout to your bank1 days3 days1 days · median 2 days
SumUp strengths and weaknesses
Pros
- Regulator licence with a number on the official site
- Pay per transaction, with no monthly fee
- Money reaches your bank account quickly
Cons
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All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Online card fee | 3.5% 3.5% + 15¢ Online or manual entry transactions | sumup.com | 2026-11-01 |
| Fixed fee per payment | $0.15 3.5% + 15¢ | sumup.com | 2026-11-01 |
| Fee shown for the market | United States | sumup.com | 2026-11-01 |
| No monthly fee | Yes monthly cost $0/month; no monthly minimums | sumup.com | 2026-11-01 |
| Chargeback fee | Not verified | — | |
| Licensed by a financial regulator | Yes SumUp Payments Limited is authorised by the Financial Conduct Authority in the UK under the Electronic Money Regulations 2011 (register number 900700) | sumup.com | 2026-11-01 |
| Licence | FCA 900700 (SumUp Payments Limited, e-money institution, UK) | sumup.com | 2026-11-01 |
| PCI DSS service provider | Not verified | — | |
| Founded | 2012 Back in 2012, SumUp was founded by a small team | sumup.com | 2026-11-01 |
| Payout to your bank | 1 days SumUp offers next-day payouts with all of our products, regardless of your plan | sumup.com | 2026-11-01 |
| Countries for businesses | 38 Country list in the site footer: 38 countries | sumup.com | 2026-11-01 |
| Merchant of record (handles sales tax) | Not verified | — | |
| Public company (listed, audited reports) | Not verified | — | |
| Parent company | Not verified | — |
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