Head to head
Flatpay vs SumUp
Flatpay charges 1.49% on all cards with its terminal with no monthly fee and no upfront cost for the terminal. SumUp charges 1.69% pay as you go; 0.99% on UK consumer cards with Payments Plus. Monthly fee: £0, or £19 a month for Payments Plus. Hardware: Solo Lite £25, Solo £79, Terminal £135. On published prices Flatpay costs less at £3,000, £8,000, £20,000 a month in card takings and SumUp costs less at £1,000, counting fees only after the first year. Run your own figures in the calculator.
Get a free Flatpay quoteSide by side
| Flatpay | SumUp | |
|---|---|---|
| Card fee | 1.49% on all cards (terminal), 1.69% with the POS systems, up to £200,000 a year; 0.99% above that | 1.69% pay as you go; 0.99% on UK consumer cards with Payments Plus |
| Monthly | £0 (minimum card turnover £1,100 a month incl. VAT, assessed yearly; £39 if not met) | £0, or £19 a month for Payments Plus |
| Terminal | £0 upfront (PAX A920 Pro with SIM and printer) | Solo Lite £25, Solo £79, Terminal £135 |
| Contract | Ask for the terms on your quote | No fixed term stated |
| Payouts | Daily payouts | Next day at 7am, weekends included |
| Also | Same flat rate on every card type, on-site installation and training included, 24/7 phone and email support, POS systems with tables, split bills and kitchen printing. | Solo has a free 4G SIM and an offline backup mode. |
Published in-person prices checked 21 October 2026.
What a year costs
| Card takings a month | Flatpay, year one | SumUp, year one | Flatpay, later years | SumUp, later years |
|---|---|---|---|---|
| £1,000 | £647 | £228 | £647 | £203 |
| £3,000 | £536 | £633 | £536 | £608 |
| £8,000 | £1,430 | £1,647 | £1,430 | £1,622 |
| £20,000 | £3,376 | £4,081 | £3,376 | £4,056 |
Year one includes the cheapest terminal each provider sells; later years are card fees and any monthly fee only, at a £25 average payment, on the headline in-person rate. Flatpay's £39 a month applies below £1,100 a month in card takings, and its 0.99% rate above £200,000 a year is included.
On published prices Flatpay costs less at £3,000, £8,000, £20,000 a month in card takings and SumUp costs less at £1,000, counting fees only after the first year. Run your own figures in the calculator.
Want the numbers for your business? We will arrange a free Flatpay quote and a call from a local sales manager.
Get my free quotePremium, reward and overseas cards: no extra charge
Customers buying something expensive often pay on a reward credit card to collect points, and visitors pay on overseas cards. Many providers charge you more for those. Flatpay charges the same rate for every card type.
| Fee on a £2,000 payment on an overseas card | Cost to you |
|---|---|
| Flatpay | £29.80 |
| Zettle | £35.00 |
| Stripe Terminal (non-EEA card) | £58.10 |
| Square (non-UK card) | £74.00 |
- Flatpay: "You pay the same low rate for every card type." Its UK pages do not list which card networks it accepts, so American Express is confirmed on your quote. source
- Overseas customers with eligible Visa and Mastercard cards can choose to pay in their own currency. Flatpay charges no extra fee for this and shares 1% of the conversion mark-up with the business as a discount on its fees. source
- Square: 1.75% on UK cards; 1.75% plus 1.95% on non-UK cards. source
- Stripe Terminal: 1.4% + 10p on EEA cards; 2.9% + 10p on non-EEA cards. source
- Zettle: the same 1.75% for major cards and wallets, "even American Express". source
What will card payments cost you in year one?
Fees on your card takings plus the cheapest terminal each provider sells. Published rates, checked 21 October 2026.
- 1.Flatpay£715
- 2.Worldpay£720
- 3.Dojo£725
- 4.SumUp£836
- 5.Square£859
- 6.Zettle by PayPal£869
- 7.Stripe Terminal£913
Flatpay includes its £39 monthly charge when takings are under its £1,100 minimum. Stripe includes 10p per payment. Optional monthly plans, VAT on hardware and providers with no published rate are left out. Your own quote may differ.
Already with SumUp? How to leave SumUp.
Other comparisons
Questions
Is Flatpay cheaper than SumUp?
On published prices Flatpay costs less at £3,000, £8,000, £20,000 a month in card takings and SumUp costs less at £1,000, counting fees only after the first year. Run your own figures in the calculator.
Does SumUp have a contract?
SumUp: No fixed term stated. Flatpay: ask for the terms on your quote.
Which pays out faster, Flatpay or SumUp?
Flatpay: daily payouts. SumUp: Next day at 7am, weekends included.
More card machine guides
Sources, last checked 21 October 2026
Facts about Flatpay come from Flatpay's own website; to get a quote, use the form on this page.
Want the numbers for your business? We will arrange a free Flatpay quote and a call from a local sales manager.
Get my free quoteGetBrent is an independent UK directory. We work with Flatpay and may receive a fee if you sign up through this page; that does not change the facts shown, which come from each provider's own website or the regulator, checked 21 October 2026. Terms change, so check your own agreement.