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SumUp

SumUp

Small EU businesses

VS

Pin Payments

Australian startups

Pin Payments
Fees from
1.69% (UK/EU) vs 1.75% + $0.30 domestic
Features

2 shared

Regions

0 shared

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

5 shared

2 unique to SumUp · 3 unique to Pin Payments
On settlement

SumUp settles in 2–3 business days; Pin Payments settles in 3 business days. Verify directly with each provider before signing.

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Show full specs
2 features · 10 payment methods · 3 regions. We don't rank these — they're here for reference.
SumUp SumUp
Pin Payments Pin Payments
Quick Facts
Fees
Standard transaction rate
1.69% (UK/EU)
1.75% + $0.30 domestic
Settlement
Time to receive funds
2–3 business days
3 business days
Founded
2012
2013
Headquarters
London, United Kingdom
Melbourne, Australia
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Low Fees
✓
✓
Startup Friendly
✓
✓
Payment Methods
Pin Payments leads (8 vs 7)
Amex
✓
✓
Apple Pay
✓
✓
Contactless Unique
✓
—
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay
✓
✓
Jcb Unique
—
✓
Maestro Unique
✓
—
Mastercard
✓
✓
Visa
✓
✓
Regions
SumUp leads (2 vs 1)
Europe Unique
✓
—
Latin America Unique
✓
—
Oceania Unique
—
✓

SumUp is best when you...

Small EU businesses
Want coverage in Europe, Latin America
Pin Payments doesn't cover these regions
View SumUp

Pin Payments is best when you...

Australian startups
Want coverage in Oceania
SumUp doesn't cover this region
View Pin Payments

Frequently Asked Questions

What is the difference between SumUp and Pin Payments?
They share 5 payment methods and 0 regions. SumUp adds Contactless, Maestro that Pin Payments does not list; Pin Payments adds Diners Club, Discover, JCB that SumUp does not list; SumUp also covers Europe, Latin America; Pin Payments also covers Oceania.
Which is cheaper, SumUp or Pin Payments?
SumUp has published rates from 1.69% (UK/EU); Pin Payments has published rates from 1.75% + $0.30 domestic. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use SumUp and Pin Payments?
SumUp lists 2 regions and 7 payment methods; Pin Payments lists 1 and 8. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do SumUp and Pin Payments compare on integration and settlement?
both offer a sandbox; both support webhooks; SumUp settles in 2–3 business days, Pin Payments in 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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