SumUp
$242/mo est.
- In-person rate
- 1.4%
- Online rate
- 2.1%
- Monthly fee
- Free
- Terminal cost
- From $24
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $242/mo
SumUp
Low-cost pay-as-you-go card readers popular with tradies and pop-up retail.
- In-person rate
- 1.4%
- Online rate
- 2.1%
- Monthly fee
- Free
- Contract
- No lock-in
Best for
Tradies, mobile sellers, and pop-up retail wanting a low-cost entry into card acceptance.
Pricing breakdown
All prices in AUDLast verified 13 June 2026Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Transaction rate
- 1.4%
Lowest published in-person rate. Varies by plan.
- Monthly fee
- Free
- Terminal cost
- From $24
Air reader from $24. Solo $79. Go $98+. Smart Terminal higher.
- Setup fee
- Free
Online payments
Online checkout and keyed-in card transactions.
- Transaction rate
- 2.1%
SumUp Payment Links and online payments in Australia: 2.10%, no monthly fee.
- Monthly fee
- Free
- Setup fee
- Free
Other fees
- Chargeback fee
- Quote
Chargebacks handled case by case.
- AMEX rate
- 1.4%
Flat across all card brands in-person.
- International card surcharge
- 0%
Flat rate regardless of card origin.
- Early termination fee
- None
14-day money-back guarantee, then no lock-in.
- Instant payout fee
- Quote
- Refund fee
- Free
- PCI compliance fee
- Free
Contract terms
- Contract length
- No lock-in
14-day money-back guarantee.
- Settlement time
- Next business day
- Least-cost routing
- No
- Recurring billing
- Yes
Via SumUp invoicing.
Accepted payment methods
Cards, wallets, and other methods supported by SumUp for Australian merchants.
Cards
- Visa
- Mastercard
- EFTPOS
- AMEX
- JCB
Digital wallets
- Apple Pay
- Google Pay
Strengths and trade-offs
Pros
- Low-cost card reader
- No monthly fees
- No lock-in contract
- 14-day money-back guarantee
Cons
- Limited POS integrations versus Square or Zeller
- Hardware sold separately, not bundled
About SumUp
SumUp is a European-founded payments company offering compact card readers and terminals to Australian small businesses. Flat-rate transaction pricing with no monthly fees and no lock-in contracts. Hardware sold through major Australian retailers.
SumUp was founded in 2012 and is headquartered in Berlin, Germany.
How SumUp compares
Side-by-side with the closest alternatives by estimated cost.
Assumes $15,000/mo volume, $50 average transaction, 70% in-person and 30% online.
Zeller
$246/mo est.
- In-person rate
- 1.4%
- Online rate
- 1.7% + $0.25
- Monthly fee
- Free
- Terminal cost
- From $99
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $246/mo
NAB
$231/mo est.
- In-person rate
- 1.15%
- Online rate
- 1.4% + $0.25
- Monthly fee
- $25/mo
- Terminal cost
- $25/mo rental
- Contract length
- No lock-in (60 days notice)
- Settlement time
- Next business day
- Est. monthly cost
- $231/mo
Bendigo Bank
$229/mo est.
- In-person rate
- 1.4%
- Online rate
- 1.4%
- Monthly fee
- From $19/mo
- Terminal cost
- From $19/mo rental
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $229/mo
Common questions about SumUp
The same questions Australian merchants ask before signing up.
SumUp charges 1.4% per in-person card transaction, covering Visa, Mastercard, and eftpos. There is no separate rate for AMEX on the standard plan.
No. SumUp's standard plan has no monthly fee (Free) and no lock-in contract. You only pay when you accept a card payment.
The SumUp Air card reader is available for From $24. There is no ongoing rental fee. The device is purchased outright and includes a 14-day money-back guarantee from delivery.
Yes. SumUp charges a non-refundable fee per chargeback dispute. Check SumUp's current fee schedule as this figure is not reflected in the comparison data.
Remote payments through SumUp (payment links, Pay by Link) are charged at 2.1%, which is higher than the in-person card rate.
SumUp's AMEX acceptance in Australia is 1.4% per transaction on the standard plan. If AMEX acceptance is critical to your business, confirm the current status directly with SumUp as their AMEX offering has varied historically.
SumUp is best suited to tradies, mobile sellers, market stall operators, and pop-up retail businesses that want a low-cost pay-as-you-go card reader with minimal setup friction. It is a simpler, less feature-rich option than Square or Zeller but remains competitive on entry price.
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Compare SumUp
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