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SumUp

SumUp

Small EU businesses

VS

BTCPay Server

Self-hosted Bitcoin and Lightning payments

BTCPay Server
Fees from
1.69% (UK/EU) vs 0% fees (self-hosted software)
Features

1 shared

1 unique to SumUp · 2 unique to BTCPay Server
Regions

2 shared

4 unique to BTCPay Server
Pay methods

0 shared

7 unique to SumUp · 3 unique to BTCPay Server
On region

BTCPay Server covers 6 regions; SumUp covers 2. Verify directly with each provider before signing.

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Show full specs
4 features · 10 payment methods · 6 regions. We don't rank these — they're here for reference.
SumUp SumUp
BTCPay Server BTCPay Server
Quick Facts
Fees
Standard transaction rate
1.69% (UK/EU)
0% fees (self-hosted software)
Settlement
Time to receive funds
2–3 business days
Instant
Founded
2012
2017
Headquarters
London, United Kingdom
Open Source Project
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
BTCPay Server leads (3 vs 2)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Low Fees
✓
✓
Startup Friendly Unique
✓
—
Payment Methods
SumUp leads (7 vs 3)
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bitcoin Unique
—
✓
Contactless Unique
✓
—
Crypto Unique
—
✓
Google Pay Unique
✓
—
Lightning Network Unique
—
✓
Maestro Unique
✓
—
Mastercard Unique
✓
—
Visa Unique
✓
—
Regions
BTCPay Server leads (6 vs 2)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America
✓
✓
North America Unique
—
✓
Oceania Unique
—
✓

SumUp is best when you...

Small EU businesses
Need Startup Friendly
Not available with BTCPay Server
View SumUp

BTCPay Server is best when you...

Self-hosted Bitcoin and Lightning payments
Need Crypto Support
Not available with SumUp
Need High Risk Accepted
Not available with SumUp
Want coverage in Africa, Asia, North America, Oceania
SumUp doesn't cover these regions
View BTCPay Server

Frequently Asked Questions

What is the difference between SumUp and BTCPay Server?
They share 0 payment methods and 2 regions. SumUp adds Amex, Apple Pay, Contactless and 4 more that BTCPay Server does not list; BTCPay Server adds Bitcoin, Crypto, Lightning Network that SumUp does not list; BTCPay Server also covers Africa, Asia and 2 more; only SumUp offers Startup Friendly.
Which is cheaper, SumUp or BTCPay Server?
SumUp has published rates from 1.69% (UK/EU); BTCPay Server has published rates from 0% fees (self-hosted software). Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use SumUp and BTCPay Server?
SumUp lists 2 regions and 7 payment methods; BTCPay Server lists 6 and 3. both cover Europe, Latin America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do SumUp and BTCPay Server compare on integration and settlement?
both offer a sandbox; both support webhooks; SumUp settles in 2–3 business days, BTCPay Server in Instant.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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