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SumUp

SumUp

Small EU businesses

VS

CM.com

Conversational Commerce Payments

CM.com
Fees from
1.69% (UK/EU) vs Per-transaction
Features

0 shared

2 unique to SumUp · 1 unique to CM.com
Regions

1 shared

1 unique to SumUp
Pay methods

5 shared

2 unique to SumUp · 4 unique to CM.com
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
3 features · 11 payment methods · 2 regions. We don't rank these — they're here for reference.
SumUp SumUp
CM.com CM.com
Quick Facts
Fees
Standard transaction rate
1.69% (UK/EU)
Per-transaction
Settlement
Time to receive funds
2–3 business days
—
Founded
2012
1999
Headquarters
London, United Kingdom
Breda, Netherlands
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
SumUp leads (2 vs 1)
Enterprise Unique
—
✓
Low Fees Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
CM.com leads (9 vs 7)
Amex
✓
✓
Apple Pay
✓
✓
Contactless Unique
✓
—
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Maestro Unique
✓
—
Mastercard
✓
✓
Paypal Unique
—
✓
Sepa Unique
—
✓
Visa
✓
✓
Regions
SumUp leads (2 vs 1)
Europe
✓
✓
Latin America Unique
✓
—

SumUp is best when you...

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

CM.com is best when you...

Conversational Commerce Payments
Need Enterprise
Not available with SumUp
View CM.com

Frequently Asked Questions

What is the difference between SumUp and CM.com?
They share 5 payment methods and 1 region. SumUp adds Contactless, Maestro that CM.com does not list; CM.com adds iDEAL, Klarna, PayPal and 1 more that SumUp does not list; SumUp also covers Latin America; only SumUp offers Low Fees, Startup Friendly.
Which is cheaper, SumUp or CM.com?
SumUp has published rates from 1.69% (UK/EU); CM.com has published rates from Per-transaction. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use SumUp and CM.com?
SumUp lists 2 regions and 7 payment methods; CM.com lists 1 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 CM.com compare on integration and settlement?
both offer a sandbox; both support webhooks; SumUp publishes a settlement time of 2–3 business days.

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