SumUp
- In-person rate
- 1.4%
- Online rate
- Quote required
- Monthly fee
- Free
- Terminal cost
- From $24
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- —
SumUp
Low-cost pay-as-you-go card readers popular with tradies and pop-up retail.
- In-person rate
- 1.4%
- Online rate
- Quote required
- 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
Every 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
- Quote required
Online rate not publicly listed on AU pricing page.
- 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.
Last verified 14 May 2026.
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
- Card reader from $24
- 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 monthly cost.
Zeller
$633/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
- $633/mo
Stripe
$723/mo est.
- In-person rate
- 1.7% + $0.30
- Online rate
- 1.7% + $0.30
- Monthly fee
- Free
- Terminal cost
- Hardware quoted
- Contract length
- No lock-in
- Settlement time
- Standard payouts
- Est. monthly cost
- $723/mo
Square
$757/mo est.
- In-person rate
- 1.6%
- Online rate
- 2.2%
- Monthly fee
- Free
- Terminal cost
- $65
- Contract length
- No lock-in
- Settlement time
- Next day
- Est. monthly cost
- $757/mo
Common questions about SumUp
The same questions Australian merchants ask before signing up.
SumUp charges in-person transactions at 1.4% for Australian merchants. Compare these rates against other providers on our payment-providers comparison page.
SumUp does not require a lock-in contract for Australian merchants. You can switch providers at any time without an exit fee.
SumUp settles funds on a next business day schedule for Australian merchants. Settlement timing can be a deciding factor for cash flow, see how it compares on our payment-providers comparison page.
SumUp accepts AMEX in Australia at 1.4%. Some providers price AMEX higher than Visa and Mastercard, so check the comparison before signing on.
SumUp does not advertise least-cost routing for Australian merchants. If you take a lot of contactless debit, compare against providers that do support it on our comparison page.
SumUp is best suited to tradies, mobile sellers, and pop-up retail wanting a low-cost entry into card acceptance. To see how it stacks up for your specific volume and card mix, try our free fee calculator.
We may earn a commission when you click through to SumUp and sign up, where a commercial arrangement is in place. This never affects ranking, the data we publish, or the comparisons we make on this page. Read our terms for the full picture.
Compare SumUp
Compare SumUp against every other Australian provider on price, contract terms, and features.