SumUp Pricing 2026: POS Plans, Card Fees and Hardware

SumUp's US standard plan costs $0 per month, with 2.6% plus 10 cents per successful in-person card transaction. POS Plus costs $49 per month, SumUp POS starts at $99 per month, and hardware is extra, with prices checked October 28, 2026. A store taking 500 in-person payments of $40 should expect $570 per month in processing on that plan before hardware, and should not treat free software as free card acceptance.

A mobile seller can stay on the standard plan when the business app covers the day. A counter with several devices should check whether the free setup supports the synchronization it needs and price a paid plan and readers together.

Toolradar data: Our directory evaluated 195 payment processing tools in its October 27, 2026 ranking. That category count is context for the market, not a claim about SumUp's customers. Toolradar also has a Square profile and a Stripe profile, two other payment providers.

SumUp plans and fees at a glance

US option	Monthly plan price	In-person card rate	Useful distinction
Standard	$0	2.6% + 10¢	Basic payments and business app
POS Plus	$49	Same in-person rate	Additional POS features, including multi-device sync
SumUp POS	From $99	Same in-person rate	Full POS package; confirm the quote and hardware

These published US figures come from SumUp's pricing page, read October 28, 2026, and they cover plan fees and the in-person rate only. SumUp prices hardware apart from those fees, and its POS comparison starts a full SumUp POS setup at hardware from $799. A card reader is a separate product, so the monthly plan leaves out the device, sales tax, shipping and the package at checkout.

What would a small US shop pay each month?

Our example is one US shop taking payments of $40 each, or $20,000 in monthly card sales, all of them successful and in person. It applies the standard processing rate and leaves out online sales, refunds, tax, hardware and extra products, so the totals compare published fees rather than a signed quote.

Plan	Processing calculation	Monthly plan fee	Example total
Standard	$20,000 × 2.6% + 500 × $0.10 = $570	$0	$570
POS Plus	Same processing charge	$49	$619
SumUp POS	Same processing charge	From $99	From $669

The table isolates the subscription and the standard card-present rate, and it is not a full cost of owning the setup. A reader, an added service, a different payment mix or a custom offer moves the bill, and the full package can need different hardware, so its starting total leaves out that purchase. A seasonal seller on the standard plan pays nothing on those lines in a month without card sales, but other SumUp products can still bill.

How do SumUp's card fees hit a small ticket?

The standard in-person fee has two parts, and they fall on different shops. The percentage grows with the ticket, while the fixed component lands once per successful payment, so it takes a larger share when the sale is small.

In the store example, $20,000 taken across 500 payments produces $50 in fixed fees, before the percentage is added. The same sales in 1,000 successful payments would produce $100 in fixed fees if the rate stays the same and nothing else changes. Both cases still carry $520 in percentage fees, so the second shop pays $50 more only because it takes twice as many payments.

A counter full of small tickets is where that fixed part gets expensive. SumUp's pricing FAQ says a declined payment does not incur the standard transaction charge, so failed taps do not inflate this line. Refunds, disputes, other methods and any custom price depend on the merchant agreement and are outside this calculation.

Are online and invoice fees the same as in person?

No. SumUp lists 3.5% plus 15 cents for online or manually entered transactions on its US pricing page. Its POS comparison lists 2.9% plus 15 cents for invoice fees on Free and POS Plus, which is a different payment type from a card at the counter. Classify the payment before you apply a rate, or a phone order gets priced like a tap.

A $100 in-person card payment at the standard rate has a modeled charge of $2.70. A $100 manually entered payment at the listed online or manual rate has a modeled charge of $3.65. Those examples leave out other fees and any custom account rate, so a shop that takes many phone or invoice orders should cost that mix apart from the counter.

The pricing page also describes an opt-in cash-discounting option with a different percentage, and it is not the rate in the tables above. A shop that wants the receipt to show a card price above the cash price should read the merchant agreement first, including display, customer, jurisdiction and implementation rules.

How much does SumUp hardware cost before the first sale?

SumUp's Terminal product page lists that card reader at a one-time price of $249, which is not a full counter. Its POS comparison starts full SumUp POS hardware at $799, and that package is a different setup from the reader. Treat them as different purchases, or the first month will cost more than the reader price.

The Terminal page pairs the reader with a standard plan at no monthly cost, or with optional POS Plus, still on the published transaction rate. You may still need a printer, a stand, accessories or a replacement, so get an itemized quote rather than adding a guess to the advertised price.

In our store example, adding the listed $249 Terminal to one month of standard-plan processing produces $819 before tax, shipping and other costs. That sum is a first-month picture with one device, not a device fee that returns every month.

What does POS Plus add for a small shop?

SumUp describes POS Plus as an optional monthly plan with tools such as multi-device sync, cash-drawer management and profit tracking. Its POS comparison also describes staff and operational features, and what you get depends on the device and the business type.

At the rates on the pricing page, moving to Plus does not cut the in-person rate, so you are paying for workflow rather than a cheaper card fee. In the modeled store, Plus adds the plan fee on top of the same transactions if that rate still applies.

If a second device and tighter cash-drawer controls remove daily manual work, the extra subscription can earn its place. If one seller only needs a reader and a short item list, the higher tier adds a bill without solving a problem the shop has today.

How does SumUp compare with Square on in-person fees?

Square's US POS pricing lists a free plan with no monthly software fee. Its in-person tap, dip or swipe rate uses the same percentage as SumUp, with a fixed component five cents higher. At 500 qualifying payments on the same $20,000 in sales, that fixed-fee gap is a $25 processing difference in SumUp's favor.

That gap covers only those processing charges, not features, equipment, support or the full cost of either system. A store that needs something one plan has and the other lacks should add the cost of getting it, because a missing register function can erase a five-cent edge.

Check both offers before choosing, then see our Square POS review, Square vs Shopify POS and Lightspeed vs Shopify POS for the wider product picture. Our best POS systems and POS for small retail stores guides cover other options when the rate edge is not the deciding gap.

Who should stay on SumUp's standard plan, and who should not?

The standard plan can fit a mobile seller or a small shop that takes occasional card payments and does not need the extra POS workflow. The useful test is whether the device, item list, receipts, reporting and support cover a normal selling day, not whether the monthly fee is zero.

A shop with several checkout points should verify sync, employee access and hardware before relying on the free configuration. A second register that cannot see the same tickets costs staff time, which can exceed what the free tier saves. A fuller service operation should quote the full package and compare the upfront setup with the subscription and the payment fees.

If you might outgrow the setup, check how customer and sales data export under your account terms before you commit, because records, history and tax reports are part of the cost of leaving. Store type changes the bar: compare POS for clothing boutiques and POS for coffee shops, then our inventory management software guide and ecommerce platform reviews for the rest of the stack.

Frequently asked questions

Does SumUp charge a monthly software fee in the US?

The US standard option is $0 per month, POS Plus is $49 per month, and SumUp POS starts at $99 per month. Processing and hardware are separate, so a shop on the free plan still pays the applicable processing rate on successful card transactions.

How much does SumUp charge for an in-person card payment?

Its US pricing page lists 2.6% plus 10 cents per successful standard card-present transaction. Small tickets cost more in the fixed part than one large ticket at the same revenue, and a manual or invoice payment is not on this rate.

Is a SumUp card reader included for free with the plan?

SumUp charges for hardware, and its Terminal page lists that device at $249. The reader is a purchase rather than a perk of the free plan, and the checkout total still depends on the setup you pick.

Does POS Plus lower the standard in-person card fee?

The published comparison keeps the same standard in-person rate on the free option and on POS Plus. The paid plan adds features, so do not expect an upgrade to shrink what each sale costs.

How much does a $100 in-person SumUp payment cost?

At the standard in-person rate, the modeled fee is $2.70 before any other charge. That figure is for an in-person card rather than a keyed or invoiced payment, and a custom rate can change it.

Are SumUp invoice payments charged at the online or manual rate?

Invoice fees are 2.9% plus 15 cents on the plans in the POS comparison, while online or manual entry is 3.5% plus 15 cents on the pricing page. An invoice is not automatically the online rate, so price the payment the way SumUp classifies it.

Does SumUp charge a fee when a card payment is declined?

The pricing FAQ says the standard fee applies to successful transactions and a declined payment is not charged. Failed taps do not add to the processing line in the model, but other products can still bill, so check those terms.

What is the first-month cost of SumUp's full POS package?

Hardware for the full package starts at $799, and the monthly subscription plus card processing are still extra. Ask for a quote before you budget, because tax, shipping and the exact package can move that setup number.

Methodology

We reviewed SumUp's US pricing, POS comparison and Terminal product pages, plus Square's US POS pricing, on October 28, 2026. The calculations use the published standard rates and the stated transaction scenario, and they exclude taxes, refunds, shipping and add-ons. We did not create accounts or conduct product testing, so confirm the offer and the terms for your business before you buy.

Cite this: Retailpresso, "SumUp Pricing 2026: POS Plans, Card Fees and Hardware", October 2026.

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