NeroPay vs SumUp: which payment setup fits your business?
A practical UK comparison for merchants comparing simple card readers, online payments, free business software and flexible pricing.
NeroPay is built for UK merchants who want card payments, online payments, payment links, free business software, flexible onboarding and platform tools from one account.
Quick comparison snapshot
A fair, merchant-friendly way to compare pricing, commitment, software, online payments and platform growth features.
In-store, online and API
Cards, payment links, hosted checkout, manual entry and API options.
NeroPOS, NeroWeb, NeroBooking
Useful merchant tools included without monthly software fees.
NeroConnect
Connected accounts, platform fees, KYC workflows and merchant onboarding.
No long-term service contract
Designed for merchants that want less friction and clearer onboarding.
About SumUp
SumUp is known for simple card readers, pay-as-you-go pricing and a straightforward 1.69% in-person transaction fee on its standard plan.
Do not compare only the headline transaction rate.
The real cost of payments can include transaction fees, card type differences, online payment fees, monthly rental, authorisation fees, chargebacks, hardware, software plans, settlement preferences and contract terms.
NeroPay position
Start with a low introductory processing rate, then move to bespoke pricing based on your volume, business profile and account performance.
NeroPay vs SumUp: key differences
This is a practical comparison for UK businesses. Always check the latest provider terms before switching or signing.
| Area | NeroPay | SumUp |
|---|---|---|
| Introductory processing rate | From 0.3% in the first month for eligible new merchants | 1.69% in-person on pay-as-you-go; 2.50% online. Payments Plus is £19/month with lower in-person fees for some merchants. |
| Contract / cancellation | No long-term service contract and no cancellation fee for standard service. Hardware/device terms may apply. | Pay-as-you-go option with £0/month; hardware is typically a one-off purchase. |
| Free software | NeroPOS, NeroWeb and NeroBooking included as free merchant software tools | Depends on provider, product and plan |
| Online & API | Online payments, API, payment links, hosted checkout and manual card entry options | Provider-specific availability and pricing |
| Platform / referral | NeroConnect for platforms plus eligible £100–£500 referral reward campaigns | Not usually positioned as the same connected-account platform model |
| Best fit | UK merchants wanting payments plus free business tools and flexible onboarding | Good for small sellers that want a simple reader with a clear flat card-present rate. |
This page is for general information only. It is not legal, financial or accounting advice. Provider pricing and availability can change. NeroPay is not affiliated with, endorsed by or sponsored by SumUp. SumUp and related marks belong to their respective owners.
Why NeroPay can be a strong alternative
NeroPay is not just a card terminal provider. It combines payments, free merchant software, online tools, referrals and platform features into one UK-focused merchant stack.
First-month rate from 0.3%
Eligible new merchants can start with a low introductory processing rate before NeroPay prepares bespoke pricing based on transaction history and business profile.
No long-term service contract
NeroPay promotes no long-term service contract, no cancellation fee and a lighter onboarding experience. Hardware/device return terms may still apply.
Free software tools
NeroPOS, NeroWeb and NeroBooking give merchants payment-ready software tools without monthly software fees.
NeroPay strengths
- First-month processing rate from 0.3% for eligible new merchants.
- No long-term service contract and no cancellation fee for the standard payment service.
- Same-rate messaging for supported cards, including Visa, Mastercard, American Express, Discover, Diners Club, JCB, premium and business cards.
- Free NeroPOS, NeroWeb and NeroBooking software tools, with no monthly software fee.
- Online payments, API payments, manual card entry, SMS/email payment links and in-person payment options.
- Referral reward campaigns from £100 to £500 for eligible referrals, subject to campaign terms.
- NeroConnect for platforms that want connected accounts, platform fees, KYC workflows and embedded payments.
SumUp strengths and points to check
Strengths
- Simple pay-as-you-go card reader pricing.
- 1.69% in-person fee includes American Express and premium cards on the standard plan.
- Payments Plus option may suit merchants processing around £3,000+ per month.
Check before choosing
- Online payments are listed at 2.50% per transaction on the public pricing page.
- Payments Plus has a monthly subscription and different card-type conditions.
- If you need free POS, booking, online ordering and platform tools together, compare the wider software stack, not just the reader fee.
More revenue options for platforms, partners and referrers
NeroPay also supports a platform-led model through NeroConnect, making it suitable for SaaS platforms, agencies, booking software, POS platforms and resellers that want to offer payments to their own customers.
NeroConnect
Create connected merchant accounts, support onboarding and manage platform payments from one ecosystem.
Platform fees
For approved platform setups, add commercial fee logic and monetise merchant payment activity.
Referral bonus
Eligible referral campaigns can reward partners from £100 to £500, subject to campaign terms and approval.
Free merchant tools
Bundle free NeroPOS, NeroWeb and NeroBooking with payment services to improve merchant retention.
NeroPay vs SumUp FAQs
Is NeroPay cheaper than SumUp?
NeroPay’s introductory processing rate starts from 0.3% for the first month, while SumUp publicly lists 1.69% in-person on pay-as-you-go. The cheapest option depends on your monthly turnover, payment mix, hardware, transfer preferences and any other applicable fees.
Does SumUp have no monthly fees?
SumUp’s pay-as-you-go plan is advertised at £0/month, with hardware purchased separately where applicable. SumUp also offers Payments Plus at a monthly cost for eligible merchants that want lower in-person fees.
Why might a merchant choose NeroPay instead?
NeroPay may be a better fit where the merchant wants payments plus free NeroPOS, NeroWeb, NeroBooking, SMS/email payment links, online/API payments, referral rewards and NeroConnect platform options from one account.
Information sources checked on 10 May 2026
Competitor information on this page is based on publicly available provider pages as of the date shown. Pricing, features and terms may change, so merchants should check each provider’s latest official information before making a decision.
Disclaimer: This comparison is provided for general information only and is based on publicly available information at the time of writing. Third-party names and trade marks belong to their respective owners. NeroPay is not affiliated with, endorsed by, or sponsored by the providers mentioned. Pricing, features, contract terms and availability may change. Merchants should review each provider’s latest terms before choosing a payment provider.
Start with NeroPay and get payments, software and platform tools in one place.
Accept payments online, in-store and through API. Use free NeroPOS, NeroWeb and NeroBooking tools. Build platform payment journeys with NeroConnect.
English 
Arabic 
Bulgarian 
Chinese (China) 
Chinese (Hong Kong) 
Croatian 
Danish 
Dutch 
Estonian 
Finnish 
French 
German 
Greek 
Hindi 
Irish 
Latvian 
Lithuanian 
Luxembourgish 
Maltese 
Portuguese 
Slovak 
Slovenian 
Spanish 
Swedish 
Turkish 
Urdu 
Vietnamese 
Welsh