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SumUp

SumUp

Small EU businesses

VS

Clio Payments

Law firm billing with IOLTA trust-accounting compliance

Clio Payments
Fees from
1.69% (UK/EU) vs 2.95% for standard cards, 3.75% Amex; 1% eCheck/ACH
Features

0 shared

2 unique to SumUp · 1 unique to Clio Payments
Regions

1 shared

1 unique to SumUp · 2 unique to Clio Payments
Pay methods

5 shared

2 unique to SumUp · 4 unique to Clio Payments

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Show full specs
3 features · 11 payment methods · 4 regions. We don't rank these — they're here for reference.
SumUp SumUp
Clio Payments Clio Payments
Quick Facts
Fees
Standard transaction rate
1.69% (UK/EU)
2.95% for standard cards, 3.75% Amex; 1% eCheck/ACH
Settlement
Time to receive funds
2–3 business days
Next business day
Founded
2012
2008
Headquarters
London, United Kingdom
Vancouver, Canada
Sandbox / Test Mode
✓
—
Webhook Support
✓
✓
Features
SumUp leads (2 vs 1)
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Clio Payments leads (9 vs 7)
Ach Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Contactless Unique
✓
—
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Echeck Unique
—
✓
Google Pay
✓
✓
Maestro Unique
✓
—
Mastercard
✓
✓
Visa
✓
✓
Regions
Clio Payments leads (3 vs 2)
Europe
✓
✓
Latin America Unique
✓
—
North America Unique
—
✓
Oceania Unique
—
✓

SumUp is best when you...

Small EU businesses
Need Low Fees
Not available with Clio Payments
Need Startup Friendly
Not available with Clio Payments
Want coverage in Latin America
Clio Payments doesn't cover this region
View SumUp

Clio Payments is best when you...

Law firm billing with IOLTA trust-accounting compliance
Need Recurring Payments
Not available with SumUp
Want coverage in North America, Oceania
SumUp doesn't cover these regions
View Clio Payments

Frequently Asked Questions

What is the difference between SumUp and Clio Payments?
They share 5 payment methods and 1 region. SumUp adds Contactless, Maestro that Clio Payments does not list; Clio Payments adds ACH, Credit Card, Debit Card and 1 more that SumUp does not list; SumUp also covers Latin America; Clio Payments also covers North America, Oceania.
Which is cheaper, SumUp or Clio Payments?
SumUp has published rates from 1.69% (UK/EU); Clio Payments has published rates from 2.95% for standard cards, 3.75% Amex; 1% eCheck/ACH. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use SumUp and Clio Payments?
SumUp lists 2 regions and 7 payment methods; Clio Payments lists 3 and 9. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do SumUp and Clio Payments compare on integration and settlement?
SumUp offers a sandbox, Clio Payments does not list one; both support webhooks; SumUp settles in 2–3 business days, Clio Payments in Next business day.

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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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