SumUp vs Zettle: Best No-Contract Card Reader
Two popular no-monthly-fee options compared
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| Feature | SumUp | Zettle |
|---|---|---|
| Transaction Fee | 1.69% (Cheapest) | 1.75% |
| Entry hardware (ex VAT) | Solo Lite £15, Solo £49, Terminal £99. Tap to Pay on a phone is free | Reader from £29, Terminal from £149, Store Kits from £169 |
| Monthly Fee | £0 | £0 |
| Lower rate for higher volume | Payments Plus 0.99% at £189/year, aimed at £3,000+/month | No volume plan published |
| PayPal QR codes | No | Only for sellers who signed up before 8 May 2023, at 1.75% |
Rates and hardware prices read from sumup.com/en-gb/pricing and zettle.com/gb/pricing on 8 September 2026, excluding VAT. Zettle is being renamed PayPal Point of Sale, which its own pricing page announces. Both providers change prices without notice, so confirm before you buy.
Which is cheaper: SumUp or Zettle?▼
On the pay-as-you-go rate SumUp is cheaper, 1.69% against 1.75%, which is £6 per £10,000 taken. SumUp also publishes a Payments Plus plan at 0.99% for £189 a year, worth it above roughly £3,000 a month; Zettle publishes no volume plan. Entry hardware ex VAT is £15 for the SumUp Solo Lite against £29 for the Zettle reader, and both charge no monthly fee on the standard plan. Checked at each provider on 8 September 2026.
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CapExpand Ltd (Company No. 14433858) is an authorised Dojo partner, not a card machine manufacturer. Card machine pricing and availability are subject to change. Our card machine services are not regulated by the Financial Conduct Authority and fall outside our appointment as an Appointed Representative of White Rose Finance Group Limited, which covers credit broking only.