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.
Independent review. No obligation to switch. We never contact SumUp 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 is best known for its pay-as-you-go pricing and low-cost card readers. It is popular with sole traders, freelancers and small businesses that want simple, contract-free card acceptance.
While headline pricing is easy to understand, SumUp is not always the cheapest option once a business reaches a steady monthly turnover. A review can confirm whether pay-as-you-go is still the best fit, or whether a managed merchant account would now be more cost-effective.
- Per-transaction percentageApplied to every card payment.
- Card reader costTypically a one-off purchase.
- Optional add-onsSuch as invoicing, online store and gift cards.
Contract, terminals, payment channels and settlement considerations
- SumUp's core offering is typically contract-free, with no monthly terminal hire.
- 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
- Monthly card turnover has grown beyond the level where pay-as-you-go is cheapest.
- Average transaction value is high, making percentage-only pricing more expensive than a managed account.
- 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. Many reviews end with the business staying on a renegotiated rate, or with confirmation that the existing setup is reasonable. You are under no obligation to switch.
How long does a SumUp statement review take?
We will confirm the expected review time after receiving your information.
What does the review actually check?
Transaction rates, terminal rental, PCI fees, authorisation fees, monthly minimums, settlement timings, contract length, exit fees and any additional charges specific to your account.
Get an independent view on your SumUp setup
Send a recent SumUp statement and we will calculate the effective cost of the arrangement and tell you plainly whether it is competitive. If it already is, we will say so.
Provider names and trademarks are used for identification. Card Payment Connect is independent and is not affiliated with or endorsed by this provider unless clearly stated.