Best SumUp Alternatives in 2026
8 alternatives to SumUp in Payment Gateways, ranked by our editorial score. Compare pricing, free tiers, and best-fit guidance side by side.
Top Payment Gateways Alternatives
| Tool | Score | Starting Price | Free Tier | Best For | |
|---|---|---|---|---|---|
| Stripe | 75 | — | Online businesses, SaaS startups, and platforms that want a flexible, developer- | Compare vs SumUp → | |
| Adyen | 71 | Free | ✓ | Adyen is best for established enterprises, high-volume retailers, and platforms | Compare vs SumUp → |
| BitPay | 70 | Free | ✓ | Businesses that want to accept Bitcoin, Ethereum, or stablecoins and convert the | Compare vs SumUp → |
| Paddle | 69 | Free | ✓ | SaaS and software startups that want to sell globally without dealing with the o | Compare vs SumUp → |
| Braintree | 67 | Free | ✓ | Merchants who need a single payment gateway to accept both card payments and Pay | Compare vs SumUp → |
| Mollie | 66 | Free | ✓ | European ecommerce and SaaS businesses that primarily sell to Dutch, Belgian, or | Compare vs SumUp → |
| Paystack | 64 | Free | ✓ | Nigerian and other African businesses looking for a reliable, developer-friendly | Compare vs SumUp → |
| Coinbase Commerce | 63 | Free | ✓ | Crypto-native merchants and small businesses who want a free, self-custodial pay | Compare vs SumUp → |
Which Alternative Should You Choose?
Best for: Online businesses, SaaS startups, and platforms that want a flexible, developer-
⚖️ SumUp vs Stripe →
Best for: Adyen is best for established enterprises, high-volume retailers, and platforms
⚖️ SumUp vs Adyen →
Best for: Businesses that want to accept Bitcoin, Ethereum, or stablecoins and convert the
⚖️ SumUp vs BitPay →
Best for: SaaS and software startups that want to sell globally without dealing with the o
⚖️ SumUp vs Paddle →❓ Frequently Asked Questions
Does SumUp charge a monthly fee?
No, SumUp has no monthly subscription or contract fees. You only pay per transaction and for hardware if you purchase a card reader.
What are SumUp's transaction fees?
Transaction fees vary by country and payment type. In the US, typical card-present fees are around 2.65% per transaction, while manually keyed-in or online payments may be slightly higher.
How long does it take to receive payouts?
Standard payouts typically hit your bank account within 1-2 business days. Some markets offer free instant or next-day payouts, but eligibility depends on your account and country.
Can I use SumUp for online payments and invoicing?
Yes, SumUp offers payment links and invoicing as part of your free account. You can create and send digital invoices that customers can pay via card or other available methods.