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SumUp

SumUp

Small EU businesses

VS

Stripe

SaaS & Developers

Stripe
Fees from
1.69% (UK/EU) vs 2.9% + $0.30
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 settlement

SumUp settles in 2–3 business days; Stripe settles in 2–4 business days. 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)
2.9% + $0.30
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?
SumUp is best for Small EU businesses, while Stripe is best for SaaS & Developers. SumUp charges 1.69% (UK/EU) and Stripe charges 2.9% + $0.30. They differ in supported features, regions, and payment methods.
Which is cheaper, SumUp or Stripe?
SumUp charges 1.69% (UK/EU) while Stripe charges 2.9% + $0.30. However, the best value depends on your transaction volume, business type, and required features.
Can I use both SumUp and Stripe together?
Yes, many businesses use multiple payment providers for redundancy, regional coverage, or to offer more payment methods. SumUp and Stripe can complement each other.
How do SumUp and Stripe differ in their focus?
SumUp is focused on Small EU businesses, while Stripe focuses on SaaS & Developers. They serve different market segments with different strengths.

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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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