Zeller vs. SumUp
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Pay less on your transactions
Zeller's fees are up to 20% lower than SumUp, depending on how you take payments.
All-in-one payment solution
Zeller combines card payments, a business account, invoicing and expense cards in one dashboard.
24/7 support
With 24/7 support, someone is there whenever something goes wrong.
Whether you're a new business, growing an existing one, or ready to switch from SumUp to a more straightforward payment solution, it's worth seeing how Zeller compares.
Both let you accept card payments with no lock-in contracts, and both offer a free business account. But Zeller is the more affordable solution. Zeller charges one transparent rate per transaction, with every feature included at no extra cost. SumUp's standard rate is higher unless you pay for its optional plans, and several of its features are locked behind those same subscriptions.
We've put the two side by side below to help you decide what works for your business.
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Compare Zeller and Sumup
In-person payments
When it comes to accepting in-person payments, Zeller and SumUp are both contract-free, but Zeller comes out ahead on cost and flexibility. Zeller's in-person rate is 1.30%, while SumUp charges 1.69% (or 0.99% only if you pay an extra £19/month + VAT). Zeller Terminal also supports MOTO payments at 1.50%, which SumUp doesn't offer at all, and includes free POS software, where SumUp charges £39/month. There are no chargeback fees with Zeller either, compared to £10 per dispute with SumUp.
Both providers match on the basics (split payments, tip requests, the same range of receipt options, cash sale recording, no PCI compliance fees, and overnight settlement) but Zeller adds a customisable screensaver and connects via ethernet as well as 4G and Wi-Fi, options SumUp's terminal doesn't have.
Terminal
Terminal T1x: £99 + VAT
Terminal T2: £149 + VAT
SumUp Terminal: £135 + VAT
No
No
1.30%
1.69% or 0.99% + £19/month + VAT
1.50%
Not supported
4G, Wi-Fi and ethernet
4G, Wi-Fi
Free
£39/month
None
£10 per dispute
Print, email, SMS, QR code
Print, email, SMS, QR code
None
None
Overnight
Overnight
Online payments
Zeller Invoices is both cheaper and more complete than SumUp's invoicing solution. Zeller charges 1.50% with no monthly fee, and every feature (custom templates, international card acceptance, invoice scheduling, customer management, and Xero Bank Feeds integration) is included free. SumUp charges 2.50% and gates several of those same features behind its £8/month + VAT Invoice Plus plan, while invoice scheduling and Xero Bank Feeds integration aren't available at all.
Zeller Virtual Terminal charges 1.50% per transaction versus SumUp's 2.50%, and only Zeller lets you key in and charge cards from any web browser or assign payments to contacts to track customer history. Both providers match on sending payment links via email or SMS, adding transaction notes, and tracking payment status.
Invoices
1.50%
2.50%
None
Free basic plan
£8/month + VAT for Invoice Plus plan
Free
Invoice Plus plan only
Invoice Plus plan only
Virtual terminal
1.50%
2.50%
Overnight
Overnight
Business accounts
For business accounts, Zeller gives you more without charging for it. Zeller Business Account is completely free with unlimited physical and virtual debit cards, unlimited accounts, and the ability to add your logo to cards. SumUp's basic account is also free but caps you at one card, a single account, and no card customisation — to get up to three cards and three accounts, you need the Business Account Plus plan at £15/month + VAT.
Zeller also includes instant transfers and Xero Bank Feeds integration as standard, neither of which SumUp offers at any tier. Both providers match on instant account creation, expense management cards, and no foreign transaction fees.
Free
Free basic account; Business Account Plus £15/month + VAT
Unlimited free physical and virtual cards
1 free card on basic plan; up to 3 cards on Business Account Plus
Unlimited
Up to 3, only with Business Account Plus plan
None
None
Other services
Zeller offers 24/7 support to all merchants via phone, email and SMS, included as standard with every account.
With SumUp, standard support runs Monday to Friday, 8am to 8pm, and on weekends, 8am to 7pm. If something goes wrong on a busy Saturday night or over a bank holiday, 24/7 priority support is only available to customers paying the Payments Plus subscription at £19/month + VAT.
Zeller Dashboard + Zeller App
SumUp Dashboard + SumUp App
24/7 via phone, email and SMS
Monday–Friday: 8am–8pm
Saturday–Sunday: 8am–7pm
24/7 support only available with Payments Plus (£19/month)
Competitive data on this page was collected as of 14 September 2026 and is based on information found on https://www.sumup.com/en-gb/. This information is subject to change or update without notice. Zeller does not make any representations as to the completeness or accuracy of the information on this page.
How much could I save?
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Zeller is trusted by over 110,000 businesses.
This company is proactive, efficient, their staff are courteous, kind and understanding. Setting it up was very easy and intuitive. Compared to the other company I tried they were miles better and much easier to deal with.
Zac
Merchant, Twickenham
State of the art card machines. Friendly, knowledgeable staff that are easy to access over the phone.
The fact there is no long contract is so refreshing!
Barry
Merchant, Beaconsfield
What a breath of fresh air these guys are. The terminals are lightweight, user-friendly and very intuitive. Overall, I'm really pleased with the support provided by Zeller. Here's to a long - lasting relationship. Keep up the good work.
Rob
Merchant, Manchester
Best company to work with. Terminal 2 is an amazing card machine and, most importantly, the funds reach your account within the same day. On top of that the customer service was spot on. Helped with everything I needed and went the extra mile.
Aristofanis
Merchant, Hull
Why business choose Zeller over SumUp
No subscription needed
Every Zeller feature is included at no extra cost, with no subscriptions or upgrades required.
Pay less on transactions
Zeller charges you less for domestic Visa and Mastercard transactions.
24/7 support
With 24/7 support, someone is there whenever something goes wrong.
About Zeller
Founded in Australia in 2020, Zeller is a global financial services company that is levelling the playing field for UK businesses by offering cash flow management without the outdated systems, disconnected products, or restrictive contracts of traditional banks. By consolidating financial management into one online and mobile platform, you can track exactly where every pound goes.
Zeller supports merchants' growth with tools designed to improve efficiency and customer experience.
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About SumUp
SumUp is a British financial technology company, founded in 2012 and headquartered in London. It offers card readers, terminals, and a free point-of-sale app for managing payments, products, and sales reporting, alongside invoicing, online payment links, and a free business account.
SumUp now supports over 4 million merchants across more than 37 markets worldwide, having expanded from its original UK, Germany, Austria and Ireland launch in 2012 into one of Europe's most widely used payment providers for small businesses.
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Discover other Zeller products
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In-person payments
Accept in-person payments securely and affordably with a Zeller Terminal.
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Take payments online
Zeller Invoices makes it simple for you to create, customise, track, send and get online invoices paid from anywhere.
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Free POS system
From cafes to retail stores, events to market stalls, Zeller POS makes it easy for you to process sales, manage your inventory, and track sales efficiently.
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