Our review on SumUp One

sumup one review

SumUp launches a subscription offer: SumUp One! For £19 per month, merchants can benefit from reduced commissions and even terminals at discounted prices.

SumUp changed the game with their straightforward deal: no fees, no commitment, and huge success in recent times.

This new offer demonstrates SumUp’s desire to try to conquer merchants with larger cash flow volumes.

SumUp is popular among small businesses for payments. Yavin is becoming popular among larger merchants and restaurant owners.

Is the SumUp One subscription right for you? We decrypt this new offer to help you choose.

For more information: a complete review on SumUp.

On the agenda

  • Details of the subscription offer
  • Comparison vs traditional SumUp
  • Comparison vs bank terminals
  • Comparison vs yavin and other startups.
  • Conclusion


Details of the SumUp One subscription offer

SumUp designed the SumUp one subscription for larger SumUp merchants.

For a £19 month subscription, you get:

  • Card reader and online payments will incur lower fees for transactions, charging just 0.79% on domestic cards.
  • They transfer your cash receipts within 24 business hours.
  • A 50% discount on the purchase of the Solo payment terminal
  • An unlimited number of digital invoices via SumUp Invoices

Important :  International and commercial cards (including American Express) incur a 1.99% transaction fee! Therefore, the rate is particularly interesting if you have a majority of domestic cards. If this is not the case, the fees will increase quite quickly.

Visa and MasterCard charge more for international and business cards. So SumUp charges higher fees for transactions with those cards.


How to subscribe to the offer

If you are not yet a SumUp customer, you can choose to sign up during registration.

If you already have a SumUp account, go to your online space, then go to settings and choose the SumUp One menu.

SumUp will debit your subscription every month at the beginning of the billing period. The subscription is non-binding; you can cancel the One offer whenever you desire. When you cancel your subscription, you revert to the classic SumUp offer.

Get a 50% discount on the Solo payment terminal by registering for SumUp One and receiving a special code. The discount will be effective when you use this code.

SumUp one get start

Comparison versus classic SumUp

How to choose between the offer and the no-subscription offer?

We detail in this table the differences of the offers:

If you are already a SumUp customer, the question will be an economic equation. From what amount cashed do the savings made on commissions cover the £19 per month subscription?

If you have cashed only domestic cards, then with SumUp One you save 0.90% on each transaction (0.90% = 1.69%-0.79%). Therefore you need to cash at least £2111 (19/0.99%) per month for  this offer to be more interesting. 

We can round this figure to £2500-3000 per month considering the weight of corporate and international cards.

So, if you are a SumUp customer and you regularly cash in more than £3000 per month, then you should subscribe to SumUp One.

One vs Pay as you go

Other reasons to switch to the One offer:

  • Retrieve your funds within 24 hours instead of 48 to 72 hours
  • If you do a lot of e-commerce payments: here the saving is more significant. From 2.5% to 0.79%, i.e., 1.71%!
  • If you intensively use the SumUp Invoice application

If you deposit over £3000, SumUp One will rival services for bigger businesses like Yavin or traditional bank offerings.


SumUp One vs bank offers

A vast majority of merchants equip themselves with payment terminals via their bank. The traditional bank offer is as follows: renting a payment terminal for several years and competitive commissions.

The main argument of the banks is that of commissions. A bank can offer you a commission lower than 0.69%.

See if SumUp’s product quality is better than what banks offer. This includes terminals, software, and e-commerce services. Determine if this argument is stronger.

Moreover, the bank offers often come with a commitment, which is not the case with SumUp.


One vs Yavin

With the SumUp One offer, the German company wants to attract established merchants. In this market, merchants favor the French solution Yavin.

one versus yavin

Yavin has built a modern tailor-made offer for established merchants and restaurateurs.

  • New Android payment terminals are pricier than SumUp’s, costing over a hundred euros. They are ideal for merchants with high transaction volumes.
  • Structurally unbeatable commissions: Yavin offers individualized commissions around 0.5% and allows the merchant to put in bank contracts. This enables merchants to always have the lowest commissions.
  • Integration with most modern tools: cash register software and payment methods.

This last point, the applications around payment, is certainly the most important to help you make your choice.

With SumUp, you have an all-in-one offer. To fully benefit from the solution, you should be open to utilizing all their services. These services include cash register software, e-commerce, and invoicing.

With Yavin, you integrate different actors who are specialists in their field. You choose off the shelf the tools you want to use or not.

If you use the SumUp cash register, then the SumUp One offer is for you. If you are looking only for a payment solution, then compare SumUp with Yavin.



SumUp One improves SumUp’s services, helping businesses with more money coming in to stay in the modern SumUp system. The complete SumUp solution with cash register software, billing software, e-commerce starts looking attractive. SumUp maintains the lead over its American competitor Square.

If you use SumUp and make over £3000 a month, you should switch to the One subscription.

The offer is nevertheless not a revolution and may struggle to conquer traditional proximity commerce. Banks and other modern actors like Yavin offer lower commissions, terminals, and services better thought out for established merchants.

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