SumUp: point of sale software platform

SumUp prices its US offer the opposite way round to most POS vendors: the card rate never changes, so the subscription buys features only. Checked 16 October 2026, the Free plan is $0/month, POS Plus is $49/month and SumUp POS starts at $99/month, with card present at 2.6% + 10 cents on all three. Buy it if you want one rate and no minimums.

Rajat GuptaEditorial LeadReviewed 16 October 2026Pricing checked 16 October 2026 against the SumUp US credit card processing fees page

SumUp in brief

SumUp prices its US offer the opposite way round to most POS vendors: the card rate never changes, so the subscription buys features only.

Price: $0/month on the Free plan; $49/month for POS Plus; from $99/month for SumUp POS · Feature-based subscription with a flat transaction rate on every plan
Best for: Small merchants wanting a one-time hardware cost and no monthly minimum
Watch out for: You give up any route to a better rate.

The short answer

Buy SumUp if you are a small merchant who wants to start taking cards for a one-time hardware cost and nothing else. The Free plan carries no subscription, no monthly minimum and no hardware rental, and the card-present rate of 2.6% + 10 cents is the same figure you would pay on the dearest plan. That makes the monthly decision a pure feature question, which is a cleaner thing to decide than a rate negotiation.

Skip it if you were hoping to buy your way to a lower rate, because no plan here does that. Skip it if you run a multi-store operation and need a firm price, since SumUp POS is published only as starting at $99/month with no upper figure. And skip it if loyalty and SMS marketing are part of the brief, because SumUp Connect is a separate subscription at $269/month or $349/month on top of the POS plan.

Where SumUp fits

SumUp's US pricing has one idea at its centre and it is worth stating plainly: the transaction rate does not move with the plan. Card present is 2.6% + 10 cents and online or manual entry is 3.5% + 15 cents whether you are on the Free plan, on POS Plus at $49/month or on SumUp POS from $99/month. Nearly every other vendor in this category sells a lower rate as the reason to move up a tier. Here the subscription buys software, so the comparison you have to run is about features and nothing else.

The entry point is a card reader or POS Lite with no monthly fee. The Free plan at $0/month gives you the SumUp Business app, business management tools including appointment bookings, a free business account and business Visa card, payment links, reporting and invoicing. You pay the one-time hardware cost and the transaction fee, and SumUp states there are no hardware rental costs and no monthly minimums on any plan. For a market trader, a mobile service business or a single-counter shop, that is the whole cost: a device and a percentage.

POS Plus at $49/month is where a proper counter operation starts. It adds multi-device sync and support for several ticket printers, front-of-house tools including floor plan setup, cash drawer management, and profit and margin tracking. Those are the things that separate taking a payment from running a service: more than one till talking to the same system, a kitchen or bar printer, and a cash drawer that reconciles. It is billed monthly with no long-term commitment, which matters in a category where two year terms are common.

SumUp POS, published only as starting at $99/month, is the multi-store tier. It adds the full suite of POS features, fully compliant SMS messaging, AI promo enhancement with always-on customer messaging, and management of multiple stores from one back office login. Because the price is a starting figure with no upper bound published, this is the one tier where you need a quote: ask what the number is for your store count and register count, and whether the multi-store back office changes it.

Where SumUp stops is anything that needs a negotiated commercial. There is no published volume discount, no interchange pass-through and no enterprise rate card, so a high-volume merchant whose card mix would benefit from interchange plus should price Helcim alongside it. The self-service kiosk, gift cards and SumUp Wealth are listed as products on the US site without published prices, so they sit outside anything you can model from the page. What you do get in exchange is simplicity and a money back guarantee if the system does not work for the business.

SumUp pricing

SumUp publishes US list prices for three plans, two loyalty add-ons and both transaction rates, so the standard cost is readable in full. One note on scope, because it changes what you should trust: the US fees page is padded with several blocks of FAQ copy written for SumUp's European markets, naming a plan and annual euro prices that are not US offers, and in those blocks the percentages are missing from the rendered text. None of it appears here. Every figure below comes from the US plan cards and the US transaction-fee section of the same page.

What SumUp publishes in the US

Free: $0/month (No subscription fee, one-time hardware cost)For businesses needing a card reader or POS Lite. The SumUp Business app, business management tools including appointment bookings, a free business account and business Visa card, payment links, reporting and invoicing. Card present at 2.6% + 10 cents, online or manual entry at 3.5% + 15 cents.
POS Plus: $49/month (Monthly, cancel anytime, no long-term commitment)Everything in the free tier, plus multi-device sync and several ticket printers, front-of-house tools including floor plan setup, cash drawer management, and profit and margin tracking. Same transaction fees as the free plan.
SumUp POS: Starting at $99/month (Monthly, starting price only)The full suite of POS features, fully compliant SMS messaging, AI promo enhancement and AutoPilot customer messaging, and multiple stores managed from one back office login. Same transaction fees as the free plan.
SumUp Connect Plus: $269/month (Monthly)Customer directory and loyalty points, compliant AutoPilot SMS messaging, and 2 standard promos per month.
SumUp Connect Pro: $349/month (Monthly)Everything in Connect Plus, plus text-to-join, Review Boost to encourage customer reviews, and unlimited AI-enhanced promos each month.

US figures as published on 16 October 2026. Card present is 2.6% + 10 cents and online or manual entry is 3.5% + 15 cents on every plan.

Four things set what you actually pay, and only one of them is the plan.

How your payments arrive, since the rate is fixed by method rather than by plan. Card present is 2.6% + 10 cents and online or manual entry is 3.5% + 15 cents, so a business taking a meaningful share of orders over the phone or through payment links pays materially more than a counter-only one at the same takings. Cash carries no transaction fee.
Which features you genuinely need, because that is the only thing the subscription buys. Multi-device sync, several ticket printers, floor plan setup and cash drawer management are the POS Plus line at $49/month. Compliant SMS, AI promos and multi-store back office access are the SumUp POS line from $99/month. If none of those apply, the Free plan is not a stripped trial, it is the right answer.
Your store and register count, which is the number the page does not price. SumUp POS is published only as a starting figure, so ask what it becomes for your sites and tills and whether multi-store back office access moves it. Get that in writing before you compare it with a vendor charging per location.
Loyalty, which is a separate subscription rather than a feature. Connect Plus is $269/month and Connect Pro is $349/month, on top of whichever POS plan you are on. For a small operator those figures can exceed the POS line several times over, so decide on them before you total the monthly cost.

What costs extra

SumUp Connect Plus at $269/month, with a customer directory, loyalty points, compliant AutoPilot SMS messaging and 2 standard promos per month.
SumUp Connect Pro at $349/month, adding text-to-join, Review Boost and unlimited AI-enhanced promos each month.
Hardware, which is a one-time purchase listed as shoppable rather than priced on the fees page. SumUp states there are no hardware rental costs.
A self-service kiosk, gift cards and SumUp Wealth, all listed as products with no published price on this page.

Implementation and commercial terms

What the US fees page confirmed on 16 October 2026.

Transaction fees: 2.6% + 10 cents card present and 3.5% + 15 cents online or manual entry, on every plan.
Monthly minimums: None, on any plan.
Hardware: One-time purchase. SumUp states there are no hardware rental costs.
Implementation fee: None published. SumUp says there are no hidden fees.
Commitment: POS Plus is billed monthly and can be cancelled at any time.
Free trial: None listed. The Free plan at $0/month serves that purpose.
Guarantee: A money back guarantee if the system does not work for the business.
Cash payments: Accepted through the Business app with no transaction fee.

Budget SumUp as a device cost plus a percentage, then add a subscription only if you can name the feature you are buying. Get the hardware quote in writing, because it is the one line the fees page does not carry, and it is what makes a one-time cost comparable with a vendor that bundles hardware into a monthly fee. If you are shopping on rate rather than features, put the 2.6% + 10 cents card-present figure next to Square, whose rate falls as you move up a tier, and Helcim, which passes interchange through with a margin that falls as volume rises. If you only need a till and reporting, Loyverse gives the software away and charges for three named add-ons.

Source: the SumUp US credit card processing fees page, checked 16 October 2026. Confirm current prices with the vendor before you budget.

What SumUp gives up

You give up any route to a better rate. On every other vendor in this comparison, volume or a higher tier buys a lower percentage; here 2.6% + 10 cents card present is the figure on the Free plan, on POS Plus and on SumUp POS alike. That is a genuine simplification for a small merchant and a real cost for a busy one, because the saving a high-volume business would get elsewhere is simply not on offer. Model it at your own volume rather than taking the flat rate as a virtue.

You give up a firm price at the top of the range. SumUp POS is published only as starting at $99/month, with no upper figure and no indication of what pushes it higher. For a multi-store operator that is the same quote-only position every unpriced vendor creates, arrived at one tier late. Ask what the figure is for your store and register count and get it written into the order form.

You give up a hardware price you can look up. Devices are a one-time purchase and the fees page treats them as shoppable rather than priced, so the capital cost of a counter is missing from the only page that carries the rest of the numbers. That matters most when you are comparing against a vendor whose plan includes hardware, because the monthly figures are not like for like until the device spend is in the table.

You give up clarity on the vendor's own page. The US fees page carries several FAQ blocks written for SumUp's European markets, referring to a plan that is not sold here, to annual euro prices, and to a different percentage structure whose figures are missing from the rendered text. Read only the US plan cards and the US transaction-fee section, and ignore the rest, because a buyer who reads the European blocks as US terms will budget for an offer that does not exist.

You give up loyalty and marketing as part of the platform. SumUp Connect is its own subscription at $269/month for Plus or $349/month for Pro, which is several times the POS Plus fee. If a customer directory, loyalty points and compliant SMS campaigns are central to how you trade, the real monthly cost of SumUp is the POS plan plus Connect, and that total is the one to compare against vendors that bundle loyalty into a tier.

How SumUp compares

These four all publish, and they disagree about what the subscription is for. SumUp charges for features and never moves the rate. Square charges per location and cuts the rate as you move up. Helcim charges no monthly fee and prices a margin on top of interchange that falls with volume. Loyverse gives the till away and sells three named add-ons. Every price comes from that vendor's own pricing page, checked on 16 October 2026.

Tool	Best for	Price	Where it breaks
SumUp	Small merchants who want one card rate, no minimums and a one-time hardware cost	$0, $49/month or from $99/month	No plan buys a lower rate, the top tier is a starting price, and loyalty is a separate subscription
Square	Businesses that want the rate to fall as they move up a tier	$0, $49 or $149/mo. per location	The monthly fee repeats per location, and kitchen and kiosk software is charged per device
Helcim	Higher-volume merchants who want interchange passed through with no monthly fee	No monthly fee; interchange plus 0.40% and 8 cents in person, falling to 0.15% and 6 cents	The published figure is a margin rather than an all-in rate, so your card mix sets the real cost
Loyverse	Single sites that need a free till with paid reporting and inventory add-ons	Free core, add-ons $9, $5 and $25 USD/month	Free sales analytics covers the last 31 days only, and payments come from a third party

What to test before you commit to a SumUp plan

SumUp lists no free trial, and it does not need one: the Free plan at $0/month is the trial, with a one-time hardware cost and the same transaction fees you would pay on any tier. So the sensible evaluation is to start there and only upgrade when a specific feature forces it. Five things to settle while you do.

Run real takings through the Free plan for a full trading cycle. The rate is identical on every tier, so nothing about the money changes if you upgrade later. What you are testing is whether the Business app, reporting and invoicing cover how you actually work, and how often you reach for something that is not there.
Split your sales by method and apply the two published rates. Card present is 2.6% + 10 cents and online or manual entry is 3.5% + 15 cents, so the share of your business that arrives by payment link or over the phone decides your effective cost. Cash carries no transaction fee, which flatters the blended figure if a lot of your takings are notes.
Name the feature that would justify POS Plus before you pay for it. Multi-device sync, several ticket printers, floor plan setup, cash drawer management or profit and margin tracking at $49/month: if you cannot point at one of those, stay on the free tier. This is the only decision the subscription is making for you.
Get the SumUp POS figure for your own footprint. The published price is a starting point only, so ask what it is for your store count and register count, whether managing multiple stores from one back office login changes it, and what the price does if you add a site mid-term.
Price the hardware and the loyalty question together before you total anything. Ask for the device list and one-time cost in writing, confirm there are no rental costs or monthly minimums in your contract, and decide whether Connect Plus at $269/month or Connect Pro at $349/month is in or out. Ask what the money back guarantee actually covers while you are there.

Frequently asked questions about SumUp

How much does SumUp cost?

As of 16 October 2026 SumUp's US pricing lists a Free plan at $0/month, POS Plus at $49/month and SumUp POS starting at $99/month. On every plan, card-present transactions cost 2.6% + 10 cents and online or manual entry transactions cost 3.5% + 15 cents.

Does SumUp charge a monthly fee?

Not on the standard option. SumUp's default plan has no monthly fee: you pay the one-time hardware cost and the transaction fees. POS Plus is $49/month and SumUp POS starts at $99/month, and SumUp states there are no monthly minimums and no hardware rental costs on any plan.

What are SumUp's transaction fees in the US?

SumUp publishes 2.6% + 10 cents for card-present transactions and 3.5% + 15 cents for online or manual entry, and states the same fees apply on the Free plan, on POS Plus and on SumUp POS. Cash payments taken through the Business app carry no transaction fee.

Does a higher SumUp plan get me a lower card rate?

No, and this is the thing that separates SumUp from most of this category. The rate is the same on all three plans, so the subscription buys features only: multi-device sync, printers, floor plans and cash drawer management on POS Plus, and multi-store back office and compliant SMS on SumUp POS.

What do you get for $49 a month with POS Plus?

Everything in the free tier plus multi-device sync and support for several ticket printers, front-of-house tools including floor plan setup, cash drawer management, and profit and margin tracking. It is billed monthly with no long-term commitment, and the transaction fees are unchanged from the Free plan.

How much does SumUp POS cost for multiple stores?

SumUp publishes only a starting figure of $99/month for SumUp POS and no upper price, so the multi-store number is a quote. Ask what the monthly figure is for your store and register count, and whether managing multiple stores from one back office login changes it before you sign.

How much is SumUp's loyalty product?

SumUp Connect is a separate subscription on top of the POS plan. Connect Plus is $269/month with a customer directory, loyalty points, compliant AutoPilot SMS messaging and 2 standard promos per month. Connect Pro is $349/month and adds text-to-join, Review Boost and unlimited AI-enhanced promos.

What are the disadvantages of SumUp?

No plan buys you a lower processing rate, so high card volume gets no relief. The top POS tier is published only as a starting price. Hardware is not priced on the fees page. And loyalty costs $269/month or $349/month on top, which can exceed the POS subscription several times over.

Is there a free trial of SumUp?

No trial is listed, and the Free plan at $0/month does the same job: you pay the one-time hardware cost and the standard transaction fees with no subscription, no minimum and no rental. SumUp also offers a money back guarantee if the system does not work for the business.

Does SumUp publish a separate American Express rate in the US?

No. The US fees page gives one card-present figure of 2.6% + 10 cents and one online or manual entry figure of 3.5% + 15 cents, with no separate card-brand rate. Some blocks on that page describe European offers with different structures, and those terms do not apply in the US.