SumUp card reader review 2026: tap to pay fees and rating
Widest-reaching SoftPOS provider for micro-businesses in Europe - but without girocard, which is the key drawback in Germany. Also offers mPOS hardware (SumUp Air, Solo).
The score measures transparency, reach and certification of the offer — not how well the app works. See the formula
SumUp offers SumUp Tap to Pay (Tap to Pay on iPhone / Tap to Pay on Android) for iOS + Android. Transaction fee: from 0.99%; monthly fee: none. Security certification: PCI DSS. Available in: Germany, UK, France, Italy, Spain, Ireland, Netherlands, Belgium.
SumUp terms in full
| Product name | SumUp Tap to Pay (Tap to Pay on iPhone / Tap to Pay on Android) |
|---|---|
| Provider type | SoftPOS + hardware |
| Headquarters | UK (London) / strong operations in Germany (Berlin) |
| Founded | 2012 |
| Platforms | both (iOS currently; Android from 11 with NFC) |
| Certification | PCI DSS; MPoC listing n/a |
| Transaction fee | DE: 1.39% (base) or 0.79% on the Plus subscription (domestic consumer cards); UK: 1.69%; FR: 1.75%, or 0.89-1.75% on a subscription |
| Monthly fee | 0 EUR (base) or 19 EUR/month on the 'Zahlungen Plus' plan |
| Setup cost | 0 EUR |
| Contract term | n/a |
| Cards accepted | Visa, Mastercard, American Express, Apple Pay, Google Pay |
| PIN entry on screen | n/a |
| Transaction limit | No upper limit; PIN entry required from 50 EUR |
| Target customers | Micro-businesses / sole traders |
| Available markets | Germany, UK, France, Italy, Spain, Ireland, Netherlands, Belgium, Austria, Switzerland, Poland, Portugal, Nordics, others (>35 countries worldwide) |
| Website | sumup.com |
| Data source | Open primary source ↗ |
Alternatives to SumUp
Comparable providers in Europe:
- Stripe — from 2.70% + 5 ¢, Rating 1.4
- Nexi (Nexi Group) — from 1.19%, Rating 1.6
- myPOS — from 1.10%, Rating 1.6
- Rubean AG — from 0.89%, Rating 1.7
- Worldline — from 1.30%, Rating 1.8
Compare all providers in Europe →
SumUp head to head
These comparisons put SumUp against one specific rival, with the published conditions of both sides next to each other:
- Square or SumUp? fees, monthly cost, certification and rating
Frequently asked questions
SumUp tap to pay: do I need any extra hardware?
Not necessarily. SumUp sells card terminals as well, but its tap to pay product works on a phone you already own, with no extra hardware. Supported platforms: iOS + Android. No upper limit; PIN entry required from 50 EUR.
Which countries is SumUp available in?
By our records: Germany, UK, France, Italy, Spain, Ireland, Netherlands, Belgium, Austria, Switzerland, Poland, Portugal, Nordics, others (>35 countries worldwide). Availability changes, and the date above the table is when we last checked.