Independent UK card payment reviews
Is your SumUp deal still earning its place?
We review your SumUp statement, rates, account fees, terminals and contract terms to work out what the arrangement is really costing your business—and whether it still fits the way you trade.
No statement or competing quote needed to start. Free review, with no obligation to switch. We never contact a payment provider without your permission.
Provider pricing and terms vary by business and can change. Published details are linked to official sources where available; the figures that matter are the ones on your own statement, quote and signed agreement.
What we check on a SumUp arrangement
SumUp offers pay-as-you-go and paid-plan options, alongside tailored pricing enquiries. Compare the plan you would actually use, including reader or POS hardware and the payment channels you need.
Higher turnover does not automatically make another provider cheaper. Model each complete offer against your card mix, transaction count and quieter trading periods, including any subscription and moving costs.
- Transaction pricingConfirm the rate for each channel and card category under your chosen SumUp plan.
- Card reader costTypically a one-off purchase.
- Optional add-onsSuch as invoicing, online store and gift cards.
Contract, terminals, payment channels and settlement considerations
- Distinguish the no-monthly-fee PAYG offer from a paid plan and check the selected plan's billing and cancellation terms.
- Bundled software or business accounts may have their own terms - always check.
- There is usually no formal exit fee for the core card-reader product.
- If additional products or subscriptions are in place, check each individually.
Businesses SumUp may or may not suit
Why businesses ask for a review
- Turnover or seasonality has changed and you want to check the best-fitting plan.
- Card mix or sales channels have changed since you selected the service.
- Owner wants to compare SumUp against a traditional merchant account.
Related comparisons and learning guides
Frequently asked questions
Will reviewing my SumUp statement contact SumUp?
No. We never contact your current provider without your written permission. The review is private and entirely for your information.
Do I have to leave SumUp after the review?
Not at all. The review may support staying, asking your provider for revised terms, or comparing a suitable alternative. You are under no obligation to switch.
Can I start without a SumUp statement?
Yes. Tell us your current provider, approximate card turnover and what you want to improve. A recent statement helps us check the actual charges, but you can provide it later.
How long does a SumUp statement review take?
We will confirm the expected review time after receiving your information.
Get an independent view on your SumUp setup
We check your current costs and compare suitable options from our selected provider network where useful. We explain whether staying, renegotiating or switching makes sense. A recent SumUp statement helps us check actual charges, but you can send it later. You do not need another provider's quote to start.
Official sources
Information from these sources last checked 2026-10-09.
Provider names and trademarks identify the products discussed; their inclusion does not imply endorsement of this page. Card Payment Connect compares suitable options from a selected provider network, not the whole market. If you choose a provider we introduce, that provider may pay us a referral fee.