Comparison
SumUp vs Zettle
Two popular pay-as-you-go providers used by sole traders and small UK businesses. Pricing models are similar, so the choice usually comes down to ecosystem and hardware.
| Consideration | SumUp | Zettle by PayPal |
|---|---|---|
| Pricing model | Pay-as-you-go | Pay-as-you-go |
| Contract | Typically contract-free on the core reader | Typically contract-free on the core reader |
| Hardware | Low-cost card reader, usually purchased outright | Low-cost card reader, usually purchased outright |
| Settlement | 1 to 2 business days | Next business day to PayPal account |
| Best fit for | Sole traders and small businesses without an existing PayPal account | Businesses already using PayPal |
Pricing
Headline rates are similar. Effective rate depends on card mix and any add-on subscriptions in use.
Contracts
Both core products are typically contract-free.
Suitability
Choose based on the ecosystem you already use and the hardware that suits your set-up.
We don't declare a winner. The right provider for your business depends on your turnover, card mix, transaction values and existing contract position. Upload your statement for a personalised review.
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