name: SumUp FinOps
description: Financial operations guidance for teams integrating SumUp APIs. Covers
  cost drivers, optimization strategies, and budget considerations for payment processing
  via SumUp's REST API.
url: https://sumup.com/pricing/
costDrivers:
  - name: Transaction Fees
    description: The primary cost driver. SumUp charges a percentage plus a fixed
      amount per transaction processed through the API.
    items:
      - type: In-person (card reader / Tap to Pay)
        rate: '2.6% + $0.10 per transaction'
      - type: Online checkout / API-initiated payment
        rate: '3.5% + $0.15 per transaction'
      - type: Invoice link payments
        rate: '2.9% + $0.15 per transaction'
  - name: Hardware
    description: One-time cost for card reader hardware. Not an ongoing API cost
      but relevant for card-present integrations.
    notes: Varies by device model (Air, Solo, Solo Lite, 3G, PIN+). Check sumup.com/shop
      for current prices.
  - name: Subscription Plans
    description: Optional monthly fees for POS with Connect Plus ($199/mo) or Connect
      Pro ($289/mo). These plans bundle POS software and marketing tools alongside
      payment processing.
optimization:
  - strategy: Use test/sandbox keys during development
    description: All sandbox API calls are free. Avoid using live keys during development
      to prevent real transaction fees on test payments.
  - strategy: Choose the right payment flow for your channel
    description: In-person rates (2.6% + $0.10) are lower than online rates (3.5%
      + $0.15). Route card-present transactions through card readers to reduce per-transaction
      cost.
  - strategy: Evaluate SumUp One for high volume (UK/EU)
    description: SumUp One membership reduces domestic transaction fees to 0.99%
      flat in eligible markets. For high-volume merchants this significantly reduces
      costs versus pay-as-you-go.
  - strategy: Negotiate custom pricing at scale
    description: Merchants exceeding $60,000/year in processing volume (or regional
      equivalent) may qualify for custom rates through SumUp's enterprise sales team.
  - strategy: Avoid unnecessary API calls
    description: Implement caching and webhooks (where available) to reduce redundant
      polling for transaction or payout status, minimizing both rate-limit exposure
      and integration complexity.
  - strategy: Implement exponential backoff on 429 responses
    description: Avoid wasted API calls due to rate limiting. Proper backoff reduces
      retry storms and keeps integration costs predictable.
budgetingGuidance:
  - Estimate monthly transaction volume and average transaction value to project fee
    spend.
  - Factor in chargeback and dispute risk; SumUp does not charge additional dispute
    fees beyond the original transaction fee.
  - Refunded transactions do not incur additional fees, but the original transaction
    fee is not returned.
  - No charges for declined transactions.
  - API access itself has no per-seat or per-call cost beyond transaction fees.
noAdditionalCosts:
  - API key creation and management
  - Sandbox / test environment access
  - Fraud protection and anti-fraud tools
  - OAuth 2.0 authentication
  - SDK usage (Node.js, Python, Go, Java, PHP, .NET, Rust)
  - Developer portal and documentation access