Sumup card reader £9.90 + VAT - Free delivery - £11.80
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Sumup card reader £9.90 + VAT - Free delivery - £11.80

£11.80£2959%SumUp Deals
182
Found 28th Jun
My first deal, nothing special but a good price



  • No fixed costs
  • Contactless / pin or sign via app
  • Only pay 1.69% per transaction.
  • Payouts go directly into your bank account.
  • Accept all debit & credit cards
  • Connects via Bluetooth.
  • Compatible with iOS / Android smartphones and tablets.
  • Sign up in 5 minutes
  • 100% online.
  • No fixed contract.
  • No paperwork.

Ends Saturday

@Stillahibby "I have one of these. 1.69% is very reasonable and payment is transferred within a few days. If the card doesn’t have a chip, a window opens on your phone screen for asignature to be applied"
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I have one of these. 1.69% is very reasonable and payment is transferred within a few days. If the card doesn’t have a chip, a window opens on your phone screen for asignature to be applied.
kyjoshualau28 m ago

I feel guilty now.I didn’t realize it is as high as 1.69% per transection! …I feel guilty now.I didn’t realize it is as high as 1.69% per transection! I use card payment for everything little things these days. I definitely will try to use cash more when I go to my local coffee shop or smaller business


I wouldn’t worry

1. They’ll have built this into their pricing model anyway (on a cup of coffee at £2 you’re looking at ~3 pence)

2. Cash has it’s cons, they can lose out when customers inadvertently use forged notes and coins, it requires further processing, counting, depositing which can come at a financial cost and/or time cost - whereas card payments make their way directly to the retailers bank account

Keep using your card!
alexemorris40 m ago

I wouldn’t worry1. They’ll have built this into their pricing model anyway …I wouldn’t worry1. They’ll have built this into their pricing model anyway (on a cup of coffee at £2 you’re looking at ~3 pence)2. Cash has it’s cons, they can lose out when customers inadvertently use forged notes and coins, it requires further processing, counting, depositing which can come at a financial cost and/or time cost - whereas card payments make their way directly to the retailers bank accountKeep using your card!


Nope. Cash is always welcome. I'd gladly swap the odd foreign coin for the amount paid in transaction fees over the years. And if your business accepts any cash at all you'll counting/depositing it anyway (I've never found myself wishing "If only there weren't so much money to count.")

Do small businesses a favour - give them cash.
I feel guilty now.
I didn’t realize it is as high as 1.69% per transection!
I use card payment for everything little things these days.
I definitely will try to use cash more when I go to my local coffee shop or smaller business
182 Comments
Excellent Company
How come so cheap?
1.69%. is that the cheapest on these?
Good deal but please be aware Sum up and Zettle do not take ‘card holder not present payments’ which they do NOT make clear on websites. For us as a hire company it was useless. PayPal while more expensive does
Great price but there are many reviews that say SumUp are questionable and hold your payments back until you jump through many hoops.
Edited by: "StinkingQuentin" 28th Jun
classygear12 m ago

Good deal but please be aware Sum up and Zettle do not take ‘card holder n …Good deal but please be aware Sum up and Zettle do not take ‘card holder not present payments’ which they do NOT make clear on websites. For us as a hire company it was useless. PayPal while more expensive does


Use stripe for over the phone payments, that’s what I do
Also buttons on machine is vital, you don’t want to have to give your device to customers so that they can enter there pin number
Excellent card reader. Cant fault it
I feel guilty now.
I didn’t realize it is as high as 1.69% per transection!
I use card payment for everything little things these days.
I definitely will try to use cash more when I go to my local coffee shop or smaller business
kyjoshualau28 m ago

I feel guilty now.I didn’t realize it is as high as 1.69% per transection! …I feel guilty now.I didn’t realize it is as high as 1.69% per transection! I use card payment for everything little things these days. I definitely will try to use cash more when I go to my local coffee shop or smaller business


I wouldn’t worry

1. They’ll have built this into their pricing model anyway (on a cup of coffee at £2 you’re looking at ~3 pence)

2. Cash has it’s cons, they can lose out when customers inadvertently use forged notes and coins, it requires further processing, counting, depositing which can come at a financial cost and/or time cost - whereas card payments make their way directly to the retailers bank account

Keep using your card!
I need something like this as i sell gifts at events and stalls. What would be most descebt to start with to take card payments
I’ll tell Rodders about it, will be great for the market. Del Boy.
I have one of these. 1.69% is very reasonable and payment is transferred within a few days. If the card doesn’t have a chip, a window opens on your phone screen for asignature to be applied.
Much appreciated OP.
Looks ideal for my needs.
Nice 1st deal Phillyf. Welcome to HUKD. Heat added.
We've been with SumUp for several months, and we've put probably at £4-5k of business through them.

Observations:

The app works quite well, is straightforward and we get the money a few days later usually
The banking goes through Germany (or something) and so can be delayed by German holidays etc
The authentication hoops were very straightforward for us - easy to get started (they do require some proof of details etc)
There is a 2k total limit (I think) until you verify your details - then unlimited
The 1.69% is better than izettle (I think)
Works well with android and iphone - we have 3 users using one machine tied to one account - it handles this fine

Edit: the only problem has been one outage that lasted half a day or so but this has been a one-off. Annoying, but this has not been recurrent.
Edited by: "crazyp" 29th Jun
Thank you Op! I was looking for one of these the other day! I had my sister refer me, but it was still around £19. I contacted sumup for discounts/promo's however they kept advising me that I had to pay £29+vat - surely if they want me to use their service they can take a slight hit on the reader...anyways, I shall definitely order one at this price. A few times this has happened to me on HUKD, I'm looking for something, I hold off a bit, and a deal pops along...must be the universe
alexemorris40 m ago

I wouldn’t worry1. They’ll have built this into their pricing model anyway …I wouldn’t worry1. They’ll have built this into their pricing model anyway (on a cup of coffee at £2 you’re looking at ~3 pence)2. Cash has it’s cons, they can lose out when customers inadvertently use forged notes and coins, it requires further processing, counting, depositing which can come at a financial cost and/or time cost - whereas card payments make their way directly to the retailers bank accountKeep using your card!


Nope. Cash is always welcome. I'd gladly swap the odd foreign coin for the amount paid in transaction fees over the years. And if your business accepts any cash at all you'll counting/depositing it anyway (I've never found myself wishing "If only there weren't so much money to count.")

Do small businesses a favour - give them cash.
Yeah, you save 20%/40%/45% tax too.
Heat added... ordered! I was just about to buy a card reader from izettle but this price beats their charge and as far as i can see they both do the same job.
Sounds good, I have a regular credit card machine and I pay on regular cards 0.80% but on amex it's 1.90% plus monthly fees, so this is a very good price I most say I'll order one.
eatmorefish1 h, 3 m ago

Nope. Cash is always welcome. I'd gladly swap the odd foreign coin for the …Nope. Cash is always welcome. I'd gladly swap the odd foreign coin for the amount paid in transaction fees over the years. And if your business accepts any cash at all you'll counting/depositing it anyway (I've never found myself wishing "If only there weren't so much money to count.")Do small businesses a favour - give them cash.


Cash is also much easier to not declare. Not saying many people do that but I'll bet some tradesman let the odd cash transaction slip through.
We use Square in our 2 coffee shops as it comes with free point of sale software so you can use your tablet or phone as a fully functioning till.
alexemorris2 h, 23 m ago

I wouldn’t worry1. They’ll have built this into their pricing model anyway …I wouldn’t worry1. They’ll have built this into their pricing model anyway (on a cup of coffee at £2 you’re looking at ~3 pence)2. Cash has it’s cons, they can lose out when customers inadvertently use forged notes and coins, it requires further processing, counting, depositing which can come at a financial cost and/or time cost - whereas card payments make their way directly to the retailers bank accountKeep using your card!


Exactly, making sure our staff aren't taking cash, and going to the bank to deposit cash isn't worth it.

We only pay 0.8% for visa and MasterCard credit cards so it's less than 3p per £2 coffee and we are a relatively small business, so you can imagine huge companies like Starbucks and Tesco are paying less than that.

Plus what alot of people don't know most business accounts charge a percentage to deposit cash, so there is really no benefit in paying a business cash ,unless they are paying a fortune in processing fees .
Edited by: "qw3rtyhhng" 29th Jun
if your bank started seeing lots of transactions through on of these machines, wouldny they haul you in and explain you cannot use a current account as a business account ??
Thanks OP. For anyone getting excited when they saw the fees but mostly take phone payments ("virtual terminal") please note that the virtual terminal fees are 2.95% PLUS 25p per transaction AND you have to have 3 months payments after starting before you can apply AND not everyone is accepted to be allowed to use it as a virtual terminal.
So for now, it's definitely a case of persuading clients of the joy of BACS!
eatmorefish1 h, 38 m ago

Nope. Cash is always welcome. I'd gladly swap the odd foreign coin for the …Nope. Cash is always welcome. I'd gladly swap the odd foreign coin for the amount paid in transaction fees over the years. And if your business accepts any cash at all you'll counting/depositing it anyway (I've never found myself wishing "If only there weren't so much money to count.")Do small businesses a favour - give them cash.


If you’ve chosen a small business over a chain then you’ve already done them a favour and they are not going to lose any sleep over 3 pence lost in transaction fees - especially when that 3 pence buys some convenience and protection for both them and the customer.
What is a sumup card reader used for?
alexemorris6 m ago

If you’ve chosen a small business over a chain then you’ve already done the …If you’ve chosen a small business over a chain then you’ve already done them a favour and they are not going to lose any sleep over 3 pence lost in transaction fees - especially when that 3 pence buys some convenience and protection for both them and the customer.



Bank probably wouldn't care (most big banks don't give a crap about small businesses these days).

However, there are implications to using a personal account as a business account, should you get a tax inspection, for example.
Banks do not like you using personal accounts for businessess. They are minded about money laundering regulations. The turnover on your account is monitored for this reason.
Will sumup pay your money into a foreign bank account or is it uk accounts only?
alexemorris12 m ago

If you’ve chosen a small business over a chain then you’ve already done the …If you’ve chosen a small business over a chain then you’ve already done them a favour and they are not going to lose any sleep over 3 pence lost in transaction fees - especially when that 3 pence buys some convenience and protection for both them and the customer.


I could do without any customers coming in with the attutude "I'm doing you a favour just by using your service". Entirely happy for anyone who thinks like that to go elsewhere. Imo such customers invariably prove to be a PITA. Just a matter of time.

Paying with card is fine. Paying with cash is better.
kyjoshualau3 h, 2 m ago

I feel guilty now.I didn’t realize it is as high as 1.69% per transection! …I feel guilty now.I didn’t realize it is as high as 1.69% per transection! I use card payment for everything little things these days. I definitely will try to use cash more when I go to my local coffee shop or smaller business


Don't feel guilty, physical cash in transit (sending to the bank) and ordering change is very, very expensive when compared with electronic payment methods. Also there is less cash loss through theft via employees and till snatches. As an employee you don't have to worry so much about cashing up and there is a reduction in theft and assaults on employees where cash holdings are kept to minimum.
eatmorefish5 m ago

I could do without any customers coming in with the attutude "I'm doing …I could do without any customers coming in with the attutude "I'm doing you a favour just by using your service". Entirely happy for anyone who thinks like that to go elsewhere. Imo such customers invariably prove to be a PITA. Just a matter of time.Paying with card is fine. Paying with cash is better.


but but but i pay your wages
Cash is saaaaaaad
My wife has one of these and it's brilliant. I've just ordered one for myself. Nice post, heat added.
That's a good rate as PayPal is 2.something
kyjoshualau3 h, 26 m ago

I feel guilty now.I didn’t realize it is as high as 1.69% per transection! …I feel guilty now.I didn’t realize it is as high as 1.69% per transection! I use card payment for everything little things these days. I definitely will try to use cash more when I go to my local coffee shop or smaller business


It takes more resources to print (e.g. trees), transport (including building an extenstive ATM networks), secure physical money. It was reported somewhere (cannot find it now) it is not economic now to mint 1p coins. Swedish bus no longer accept cash because of security issues ("After a series of attacks against bus drivers, Sweden's health and safety authority stepped in and told the bus companies they had to find a way of protecting the cash more securely. The result was that buses stopped accepting notes or coins." bbc.co.uk/new…032).
alexemorris29th Jun

I wouldn’t worry1. They’ll have built this into their pricing model anyway …I wouldn’t worry1. They’ll have built this into their pricing model anyway (on a cup of coffee at £2 you’re looking at ~3 pence)2. Cash has it’s cons, they can lose out when customers inadvertently use forged notes and coins, it requires further processing, counting, depositing which can come at a financial cost and/or time cost - whereas card payments make their way directly to the retailers bank accountKeep using your card!


If you look at the other side of it tho, I use this card reader and work on cars, the part may cost me £300 but only £50 profit on the job.... It'd cost me about £6ish which the majority of it isn't mine to Keep.
Great card reader tho and good find to op
eatmorefish37 m ago

I could do without any customers coming in with the attutude "I'm doing …I could do without any customers coming in with the attutude "I'm doing you a favour just by using your service". Entirely happy for anyone who thinks like that to go elsewhere. Imo such customers invariably prove to be a PITA. Just a matter of time.Paying with card is fine. Paying with cash is better.


You've missed the point entirely. No one thinks like that, my point is a simple one, customers should not feel guilty in the slightest for using their card where a business has chosen to accept them. The fees are marginal, do buy some convenience / protection and as many others have pointed out, cash has many flaws which are difficult to quantify- so to say definitively that cash is better is an opinion rather than a fact. Maybe for your business it is - but if you think those 1-2% fees have added up to anything significant over the years I'm sure you're doing just fine.

Finished now, think we're going round in circles! Good day.
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