While SumUp offers simplicity, Lopay delivers the UK's lowest rates at 0.79% flat (or 0.39% via Visa cashback), better features, and 4.7/5 Trustpilot rating. Switch in 5 minutes and save up to £1,080/year.
SumUp is reliable, but growing businesses need more than basic features:
SumUp charges 1.69% in-person. On £10,000/month, that's £169 vs Lopay's £79 (or £0 with Visa card). That's £1,080-2,028 wasted annually.
Basic reporting, limited integrations, and no advanced business tools. Growing businesses quickly outgrow SumUp's capabilities.
Every transaction costs money with SumUp. Lopay is the only UK processor offering the UK's lowest fees from just 0.39% via our free Visa expense card.
Simple setup, no contracts or monthly fees
Affordable card readers (from £19)
Good for mobile traders and market stalls
Decent 4.0/5 Trustpilot rating
1.69% fees (114% higher than Lopay's 0.79%)
Limited reporting and analytics
Few third-party integrations
No cashback fee reduction available
Bottom line: SumUp is a solid entry-level option with affordable card readers. However, their fees have risen over the years and features are limited compared to newer competitors. Lopay offers lower fees at 0.79% flat (or 0.39% via Visa cashback) with more features for growing UK businesses.
| Feature | SumUp | Lopay |
|---|---|---|
| In-Person Fee | 1.69% | 0.79% flat (or 0.39% via Visa cashback) |
| Online Fee | 2.5% + £0.25 | 0.79% flat (or 0.39% via Visa cashback) |
| Monthly Fee | £0 | £0 |
| Contract | None | None |
| Trustpilot Rating | 4.0/5 ⭐⭐⭐⭐ | 4.7/5 ⭐⭐⭐⭐⭐ |
| Advanced Features | Basic | Advanced |
| 0% Fee Option | No | Yes (Visa card) |
| Monthly Cost (£10K volume) | £169 | £79 (or £0 with Visa card) |
| Annual Savings vs SumUp | - | £1,080 - £2,028 |
See how much you'd save by switching from SumUp to Lopay
Use our free Visa expense card and get 0.39% effective rate via Visa cashback on processing fees. The only processor in the UK offering the UK's lowest fees from just 0.39%.
Exclusive to LopayHighest-rated payment processor in the UK. Better than SumUp's 4.0/5 rating.
Better reporting, more integrations, and advanced business tools that SumUp doesn't offer.
Enterprise-GradeJoin 30,000+ UK businesses who switched from SumUp to Lopay and never looked back.