Head-to-head
Flatpay vs SumUp
Card-present rates and contract terms compared at typical UK hospitality volumes.
Card-present rate at typical volumes
| Monthly volume | Flatpay | SumUp |
|---|---|---|
| £5,000 | 1.49% | 1.45% |
| £15,000 | 1.49% | 0.95% |
| £30,000 | 0.99% | 0.90% |
| £60,000 | 0.99% | 0.90% |
Flatpay
Flat 1.49% on every in-person card — free terminal, no monthly fees, daily settlements
- Contract
- Month-to-month
- Settlement
- Next day
- Service fee
- None
SumUp
Simple flat-tier card payments — no monthly fees, serves any volume from sub-£5k
- Contract
- Month-to-month
- Settlement
- Next day
- Service fee
- None