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SumUp

SumUp

Small EU businesses

VS

Stripe

SaaS & Developers

Stripe
Fees from
1.69% (UK/EU) vs 1.5%–3.15% + 1.8 SEK
Features

1 shared

1 unique to SumUp · 5 unique to Stripe
Regions

2 shared

5 unique to Stripe
Pay methods

6 shared

1 unique to SumUp · 14 unique to Stripe
On payment methods

Stripe supports 20 payment methods, 13 more than SumUp. Verify directly with each provider before signing.

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Show full specs
7 features · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
SumUp SumUp
Stripe Stripe
Quick Facts
Fees
Standard transaction rate
1.69% (UK/EU)
1.5%–3.15% + 1.8 SEK
Settlement
Time to receive funds
2–3 business days
2–4 business days
Founded
2012
2010
Headquarters
London, United Kingdom
South San Francisco, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 2)
Crypto Support Unique
—
✓
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
Stripe leads (20 vs 7)
Ach Unique
—
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Contactless
✓
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay
✓
✓
Jcb Unique
—
✓
Klarna Unique
—
✓
Maestro Unique
✓
—
Mastercard
✓
✓
Paypal Unique
—
✓
Sepa Unique
—
✓
Stablecoin Unique
—
✓
Unionpay Unique
—
✓
Visa
✓
✓
Regions
Stripe leads (7 vs 2)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓

SumUp is best when you...

Small EU businesses
Need Low Fees
Not available with Stripe
View SumUp

Stripe is best when you...

SaaS & Developers
Need Crypto Support
Not available with SumUp
Need Enterprise
Not available with SumUp
Want coverage in Africa, Asia, Middle East, North America, Oceania
SumUp doesn't cover these regions
View Stripe

Frequently Asked Questions

What is the difference between SumUp and Stripe?
They share 6 payment methods and 2 regions. SumUp adds Maestro that Stripe does not list; Stripe adds ACH, Affirm, Afterpay and 11 more that SumUp does not list; Stripe also covers Africa, Asia and 3 more; only SumUp offers Low Fees.
Which is cheaper, SumUp or Stripe?
SumUp has published rates from 1.69% (UK/EU); Stripe has published rates from 1.5%–3.15% + 1.8 SEK. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use SumUp and Stripe?
SumUp lists 2 regions and 7 payment methods; Stripe lists 7 and 20. 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 Stripe compare on integration and settlement?
both offer a sandbox; both support webhooks; SumUp settles in 2–3 business days, Stripe in 2–4 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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