SumUp fees 2026: the real cost of SumUp POS
SumUp's standard in-person rate is 1.95% per transaction with no monthly fee. Plus reduces it to 0.95% for €19 per month, while online payments cost 2.5%. This guide compares the real cost with RoxPay's transparent IC++ pricing, €0.15 + 0.35%-0.85% per transaction.
Monthly fee comparison
| Provider | 2,000€/month | 5,000€/month | 20,000€/month |
|---|---|---|---|
| RoxPay (IC++) | 13-23€ | 32.50-57.50€ | 130-230€ |
| SumUp (1.95%) | 39€ | 97.50€ | 390€ |
Illustration based on a €50 average ticket; the RoxPay range depends on the card mix.
How much does SumUp really cost?
The flat 1.95% rate is simple, but it applies equally to debit, premium and Amex cards. At €3,000 monthly volume it means €58.50 in fees. Plus only pays off above roughly €1,900 monthly volume and does not lower online or Amex rates.
SumUp versus RoxPay
RoxPay separates interchange, scheme fees and markup. At €5,000 monthly volume, SumUp costs €97.50, while RoxPay is approximately €32.50-€57.50. The right comparison is total cost on the merchant's real card mix, not the headline percentage.
Frequently Asked Questions
What is the cheapest POS by fees?
For regular volumes, an IC++ model such as RoxPay can cost less than SumUp's 1.95% flat rate. The exact result depends on volume and card mix.
How can SumUp fees be reduced?
SumUp Plus charges 0.95% plus €19 monthly, but it is worthwhile only above about €1,900 monthly volume. A transparent IC++ provider is another option.
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