For shops
Up to 70% lower fees than your card machine.
Keep taking cards exactly as you do now. When a customer chooses Pay by Bank instead, you pay 0.5% instead of 1.69–1.75% — and the money is in your account before they leave the shop.
The honest table
Their rate against ours.
Card rates below are each provider's published in-person rate. We put ours next to them, including the one we'd rather you used.
| SumUp | Square | Zettle | tapbanc | |
|---|---|---|---|---|
| Card, in person | 1.69% | 1.75% UK cards | 1.75% | 1.6% + 10p |
| Pay by Bank | Not offered | Not offered | Not offered | 0.5% |
| Blended, half on Pay by Bank | — | — | — | ≈1.4% at £15 avg sale |
| Settlement | Next day to SumUp's account; 1–3 days to your bank | Next day, incl. weekends | 1–2 working days, plus bank time | Seconds (Pay by Bank) |
| Contract | None | None | None | None |
Correct as of 5 August 2026, from sumup.com/pricing, squareup.com fee schedule and zettle.com/gb/pricing. Square charges non-UK cards an extra 1.5%. SumUp's £19/month Payments Plus plan lowers domestic in-person cards to 0.99%. Zettle is being renamed PayPal Point of Sale. tapbanc figures are launch pricing, confirmed in writing at your demo. 0.5% vs 1.69% is a 70% lower fee; your overall saving depends on how many customers choose Pay by Bank.
Cash flow
Friday's takings on Friday.
Card settlements take 1–3 working days — take £2,000 on Saturday and see it midweek. Pay by Bank settles over Faster Payments: the money is yours in seconds, weekends and bank holidays included.
- Instant settlement, 24/7 — no waiting on working days
- Pay suppliers with money you took an hour ago
- Every payment reconciled by name in your dashboard
Built for the counter
Everything a till needs. Nothing it doesn't.
Cards still work
Contactless, chip and PIN, Apple Pay, Google Pay — via Stripe, on a proper terminal with a receipt printer.
Pay by Bank in one tap
The customer scans, their banking app opens with the amount filled in, they approve. Ten seconds, no card out of the pocket.
Refunds are one press
Full or partial refunds from the terminal or dashboard, whichever way the customer paid.
See the saving, live
The dashboard shows what each week cost you in fees — and what the same week would have cost on your old machine.
Ten minutes. Bring your latest fee statement.
We'll put the terminal on your counter, run a real payment, and show you the saving against your own numbers.