SumUp

Name: SumUp (In-person payments)
Brand: SumUp
Rating: 4 (24000 reviews)

No lock-in

In-person payments

4(24,000 reviews · Trustpilot)

$541/mo

est. at typical volume

A low-commitment reader for micro-merchants — a flat rate, cheap hardware and no monthly fee.

Best for: Micro-merchants, sole traders and market stalls wanting a cheap reader and no fixed fees.

Pricing & fees

Card rate1.4% inc-GST (estimate)

Monthly fee$0

AmexVaries

Setup fee$0

Hardware from$24

Chargeback fee$0

International cardsVaries

Settlement1–2 business days

ContractNo contract; cheap reader purchased upfront.

Least-cost routingNo

Pros & cons

No monthly fee

Cheap reader (~$24)

Simple flat rate

No lock-in

Fewer integrations

Basic reporting

Compare with alternatives

Square

Cafes, retail and pop-ups that want an all-in-one till, hardware and a quick online store with no lock-in.

$618/mo

Zeller

Australian SMEs wanting a single flat rate, free business account and no monthly fees.

$541/mo

Tyro

Hospitality and retail wanting deep POS integrations and least-cost routing.

$563/mo

CommBank Smart

CommBank business customers wanting same-day settlement to their own account.

$425/mo

NAB

NAB business customers wanting bank-grade EFTPOS with interchange-linked pricing.

$467/mo

All in-person providers Compare my rate

Compayr may earn a referral fee when a merchant switches via our links. This never affects rankings, which are based purely on lowest total monthly cost. Quote-only providers are never ranked as cheapest while a complete-cost option exists. Rates last verified 2026-07-19. Confirm current pricing with SumUp.