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.
Perguntas frequentes
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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