Zeller vs. SumUp
&w=3840&q=75)
&w=3840&q=75)
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 trade up from SumUp to a better payment solution with low fees, it's worth comparing Zeller with SumUp.
Both solutions let you accept card payments with no contracts and offer a free business account, but their approach to pricing sits at the heart of the comparison. Zeller's pricing is clear: you pay a small fee per transaction, and all features are included at no additional cost. SumUp's lower rates and several of its features sit behind subscription plans.
We've put the two side by side below to help you decide what works for your business.
&w=3840&q=75)
&w=3840&q=75)
Compare Zeller and SumUp.
Zeller vs. SumUp
In-person payments
Zeller and SumUp both offer handheld card machines with built-in POS software and 4G connectivity. Zeller Terminal comes in two models starting at £99 + VAT. The SumUp Terminal costs £135 + VAT. Both Zeller terminals include split payments, digital receipts, the ability to request tips, and customisable screensavers and receipts as standard.
Where they differ most is pricing. SumUp's standard rate is 1.69% on all in-person payments. For most businesses that predominantly accept domestic Visa and Mastercard payments, Zeller's 1.3% fee with no subscription will work out cheaper.
To access 0.99% on domestic debit and credit cards, you need Payments Plus at £19/month.
Terminal
Zeller Terminal T1x: £99 + VAT
Zeller Terminal T2: £149 + VAT
SumUp Terminal: £135 + VAT
Split payments
Request tips
Print, email, SMS and QR code receipts
Customisable screensaver, receipts and invoices
4G, Wi-Fi and ethernet connectivity
Free built-in POS software
Cash accepted alongside card payments
No PCI compliance fees
No chargeback fees
Split payments
Request tips
Print, email, SMS and QR code receipts
Customisable screensaver, receipts and invoices
4G, Wi-Fi and ethernet connectivity
Free built-in POS software
Cash accepted alongside card payments
No PCI compliance fees
£10 chargeback fees per dispute
1.3% In-person payments (Visa and Mastercard)
1.99% in-person payments (all other cards)
1.5% MOTO payments (Visa and Mastercard)
1.69% In-person payments (Visa and Mastercard)
1.69% in-person payments (all other cards)
No native MOTO terminal feature
4G/Wi-Fi/ethernet
4G/Wi-Fi/ethernet
£29/month for POS Plus
Zeller vs. SumUp
Online payments
Zeller and SumUp both offer free invoicing, the differences in pricing and features become more apparent on rate and features. With Zeller Invoices, you can create, customise and send invoices for free, with automated payment reminders, tracking and design control all included as standard. Invoice payments are charged at 1.5% for domestic cards*.
SumUp Invoices has a free tier, but customisation, automated reminders, multi-currency, and transfers to any external bank account are all available on Invoices Plus at £8/month. Invoice payments cost 2.5%. For businesses that invoice regularly, the difference in transaction fees alone adds up quickly, and that's before factoring in the monthly subscription cost to access features that come free with Zeller.
Invoices
Schedule invoices
Add VAT in few taps
Customer and contact management
Xero integration
Add custom fields
Digital receipts
Add notes and important details
Schedule invoices
Add VAT in few taps
Customer and contact management
Xero integration
International cards accepted on Plus only (£8/month + VAT)
Add custom fields
Digital receipts
Add notes and important details
1.5% on domestic cards
2.5% on domestic cards
Free
Free basic plan
Plus: £8/month+ VAT
Included free
Only available with Invoice Plus (£8/month+ VAT)
Included free
Only available with Invoice Plus (£8/month+ VAT)
Virtual terminal
Key in and charge card payments from your terminal.
Key in and charge card payments from any browser
Send payments links via email or SMS
Assign payments to contacts and track customer history
Add transaction notes
Track payment status from your dashboard
Key in and charge card payments from your terminal
Key in and charge card payments from any browser
Send payments links via email or SMS
Assign payments to contacts and track customer history
Add transaction notes
Track payment status from your dashboard
1.5%
2.5%
Zeller vs. SumUp
Business accounts
Zeller and SumUp both offer a free business account with no monthly fee, a free debit card, and instant transfers. Where they differ is what's included as standard.
SumUp's free account comes with one Mastercard for in-person spending. Additional cards, extra balances and bulk transfers all require Business Account Plus at £15/month + VAT.
Zeller's debit card has no international spending fees; you pay the exchange rate, and nothing else, and you get unlimited physical and virtual debit cards as standard, not just one. Expense cards, customisable debit cards with your logo, Xero Bank Feeds integration and custom invoicing are all included from your free Zeller Business Account, with no upgrade required.
Business Accounts
Unlimited free physical and virtual debit cards
Customisable debit and expense cards with your logo
Instant account creation
Real-time transfers
Expense management and Corporate Cards
Xero Bank Feeds integration
£0 international spending fees
No minimum balance
No transfer fees
Unlimited free physical and virtual debit cards
Customisable debit and expense cards with your logo
Instant account creation
Real-time transfers
Expense management and Corporate Cards
Xero Bank Feeds integration
£0 international spending fees
No minimum balance
No transfer fees
Free
Free basic
£19/month +VAT Payments Plus*
Unlimited free physical and virtual debit cards
1 free Mastercard (Basic)
Additional with Payments Plus*
Included free
Included with Payments Plus only*
Zeller vs. SumUp
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 7pm, and on weekends, 8am to 5pm. 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.
Other services
Zeller Dashboard
Zeller App
SumUp Dashboard
SumUp App
Local support via phone, email and SMS 24/7
24/7 support (Payments Plus, £19/month + VAT only)
This comparison reflects standard rates and features as of June 2026. SumUp features marked with * require additional paid plans (Payments Plus £19/month, POS Plus £29/month, Invoice Plus £8/month, Business Account Plus £15/month). Rates subject to account verification and eligibility. Contact each provider for full terms.
How much could I save?
Enter your yearly turnover and email to see how much you could save with Zeller.
Zeller is trusted by over 100,000 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 builds card machines and financial tools to help businesses accept payments, manage finances, and pay suppliers. In 2022, it became the fastest Australian startup to reach unicorn status, and has now launched its card machine and business account in the UK.
Zeller 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.
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.
&w=3840&q=75)
&w=3840&q=75)
Discover other Zeller products.
&w=3840&q=75)
In-person payments
Accept in-person payments securely and affordably with a Zeller Terminal.
&w=3840&q=75)
Take payments online
Zeller Invoices makes it simple for you to create, customise, track, send and get online invoices paid from anywhere.
&w=3840&q=75)
POS Lite
From cafes to retail stores, events to market stalls, Zeller POS Lite makes it easy for you to process sales, manage your inventory, and track sales efficiently.
&w=3840&q=75)
&w=3840&q=75)