Comparisons · Card payments
Comparison
SumUp vs myPOS
Card readers and payment links for small traders, with pay-as-you-go fees. Standalone card machines with a free business account and instant payouts.
| SumUp | myPOS | |
|---|---|---|
| Price | Pay-as-you-go: 1.69% per transaction, no monthly fee. Payments Plus: 0.99% per transaction for £19 a month or £189 a year. Readers: Solo Lite £25, Solo £79, Terminal £135 (excl. VAT); Tap to Pay on your phone £0. | £0 monthly costs; transaction fee from 1.10% + £0.07 (varies by payment method). myPOS Go 2 £39, myPOS Flex £49 (offer, was £59), myPOS Ultra £179, all excl. VAT. Custom quotes above £10,000 a month. |
| Free plan | Yes. Pay-as-you-go plan has no monthly fee; you buy a card reader. | Yes. No monthly fee or long-term contract; free business account and data SIM. |
| Best for | Market traders and mobile businesses taking occasional card payments. | Trades and mobile businesses who want a standalone machine with its own SIM. |
| Watch out for | Payments Plus only pays off at higher volumes; SumUp suggests it for £3,000+ a month. | The per-transaction percentage varies by payment method, plus a fixed fee on every payment. |
| UK notes | UK prices in pounds. | UK prices in pounds, excl. VAT on hardware. |
| Made by | SumUp | myPOS |
| Checked | 2026-10-15 | 2026-10-15 |
Our verdict
On in-person fees, myPOS costs less than SumUp at all three levels of takings in our table below. Device prices differ too: Solo Lite £25 excl. VAT; Tap to Pay £0 against myPOS Go 2 £39 excl. VAT. Fees aren't everything: check payout speed, contract terms and support before choosing.
Who should pick which?
- Choose SumUp for: market traders and mobile businesses taking occasional card payments.
- Choose myPOS for: trades and mobile businesses who want a standalone machine with its own SIM.
Fees at £1,000, £3,000 and £6,000 a month
In-person card fees a month on the cheaper option for that level of takings, read from each pricing page on 15 October 2026. Assumes an average payment of £150 (this only affects fixed per-payment fees). Device costs are one-off and not included.
| SumUp | myPOS | |
|---|---|---|
| Entry device | Solo Lite £25 excl. VAT; Tap to Pay £0 | myPOS Go 2 £39 excl. VAT |
| £1,000 a month | £16.90 Pay-as-you-go, 1.69% | £11.47 from 1.10% + 7p |
| £3,000 a month | £48.70 Payments Plus, 0.99% + £19 a month | £34.40 from 1.10% + 7p |
| £6,000 a month | £78.40 Payments Plus, 0.99% + £19 a month | £68.80 from 1.10% + 7p |
See all five readers side by side, with fee tables and what suits which business, in best card readers for UK small businesses.
Other card payments to consider
Square
Card payments, till software, invoices and online booking, with a free plan.
Zettle by PayPal
Card readers and a point-of-sale app from PayPal, with one transaction rate and no monthly fee.
Dojo
UK card machines with next-day payouts, a blended transaction rate for smaller businesses and an optional Plus plan.
Full details
SumUp tool page · myPOS tool page · How we check prices
Sources
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