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SumUp

SumUp

Small EU businesses

VS

Checkout.com

Global Performance

Checkout.com
Fees from
1.69% (UK/EU) vs 2.3-2.9% + $0.30 (typical)
Features

0 shared

2 unique to SumUp · 4 unique to Checkout.com
Regions

2 shared

6 unique to Checkout.com
Pay methods

6 shared

1 unique to SumUp · 29 unique to Checkout.com
On region

Checkout.com covers 8 regions; SumUp covers 2. Verify directly with each provider before signing.

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Show full specs
6 features · 36 payment methods · 8 regions. We don't rank these — they're here for reference.
SumUp SumUp
Checkout.com Checkout.com
Quick Facts
Fees
Standard transaction rate
1.69% (UK/EU)
2.3-2.9% + $0.30 (typical)
Settlement
Time to receive funds
2–3 business days
1–3 business days
Founded
2012
2012
Headquarters
London, United Kingdom
London, United Kingdom
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Checkout.com leads (4 vs 2)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Checkout.com leads (35 vs 7)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bancontact Unique
—
✓
Cartes Bancaires Unique
—
✓
Contactless Unique
✓
—
Dana Unique
—
✓
Diners Unique
—
✓
Discover Unique
—
✓
Eps Unique
—
✓
Gcash Unique
—
✓
Google Pay
✓
✓
Ideal Unique
—
✓
Jcb Unique
—
✓
Kakaopay Unique
—
✓
Klarna Unique
—
✓
Knet Unique
—
✓
Mada Unique
—
✓
Maestro
✓
✓
Mastercard
✓
✓
Mb Way Unique
—
✓
Mobile Wallet Unique
—
✓
Mobilepay Unique
—
✓
Multibanco Unique
—
✓
Paynow Unique
—
✓
Paypal Unique
—
✓
Przelewy24 Unique
—
✓
Sepa Direct Debit Unique
—
✓
Sofort Unique
—
✓
Swish Unique
—
✓
Twint Unique
—
✓
Venmo Unique
—
✓
Vipps Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
Checkout.com leads (8 vs 2)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

SumUp is best when you...

Small EU businesses
Need Low Fees
Not available with Checkout.com
Need Startup Friendly
Not available with Checkout.com
View SumUp

Checkout.com is best when you...

Global Performance
Need Enterprise
Not available with SumUp
Need Instant Payout
Not available with SumUp
Want coverage in Africa, Asia, Middle East, North America, Oceania, Southeast Asia
SumUp doesn't cover these regions
View Checkout.com

Frequently Asked Questions

What is the difference between SumUp and Checkout.com?
They share 6 payment methods and 2 regions. SumUp adds Contactless that Checkout.com does not list; Checkout.com adds ACH, Alipay, Bancontact and 26 more that SumUp does not list; Checkout.com also covers Africa, Asia and 4 more; only SumUp offers Low Fees, Startup Friendly.
Which is cheaper, SumUp or Checkout.com?
SumUp has published rates from 1.69% (UK/EU); Checkout.com has published rates from 2.3-2.9% + $0.30 (typical). Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use SumUp and Checkout.com?
SumUp lists 2 regions and 7 payment methods; Checkout.com lists 8 and 35. 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 Checkout.com compare on integration and settlement?
both offer a sandbox; both support webhooks; SumUp settles in 2–3 business days, Checkout.com in 1–3 business days.

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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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