How to Cancel SumUp Card Reader (UK 2025)
SumUp has no contracts or cancellation fees. Learn how to close your account properly and discover providers with even better rates.
SumUp: No Cancellation Fees
SumUp has no contracts, no exit fees, and no penalties. If you're looking for alternative providers with lower transaction fees, we can help you compare options.
Compare Alternative Providers →SumUp Account Terms
SumUp is a pay-as-you-go provider with no contracts:
Quick Facts
- Contract: None
- Cancellation Fee: £0
- Notice Period: None
- Card Reader: You own it (£29 purchase)
- Monthly Fee: £0
- Transaction Fee: 1.69% per card payment
Why People Leave SumUp
- High Volume = High Costs - 1.69% is expensive for busy businesses (£50k monthly = £845/month in fees)
- Limited Features - Basic reporting, no advanced POS
- Next-Day Payouts Only - Can't get instant transfers like some competitors
- Customer Support - Slow email-only support for most issues
- Better Rates Available - Volume-based providers offer 0.3%-0.8% for busy businesses
💰 Cost Comparison
Processing £30,000/month:
- SumUp (1.69%): £507/month
- Dojo (0.3%): £90/month - Save £417/month!
- Paymentsense (0.79%): £237/month - Save £270/month
Before Closing Your SumUp Account
1. Export Your Transaction Data
Once closed, you lose access to all records. Export:
- Last 12 months of transactions (minimum)
- Sales reports
- VAT reports (if applicable)
- Customer payment records
How to Export from SumUp:
- Log into SumUp Dashboard at me.sumup.com
- Go to "Sales" or "Transactions"
- Click "Export" or download icon
- Select date range (export all years)
- Download CSV or PDF
- Save securely (HMRC requires 6 years of records)
2. Wait for Pending Payments
SumUp pays out next business day. Before closing:
- Wait for all pending payments to reach your bank
- Check your bank statement to confirm
- Resolve any disputes or chargebacks
3. Keep Your Card Reader
You own the SumUp reader (you paid £29 for it). You can:
- Keep it - Reactivate SumUp anytime
- Sell it - £15-£25 on eBay/Facebook
- Recycle it - Electronics recycling center
How to Close Your SumUp Account
SumUp doesn't have a "close account" button. You need to contact support:
Email (Primary)
support@sumup.com
Subject: "Close My Account"
Include: Email registered to account, reason for closing
Response: 24-48 hours
Phone (Paid Accounts)
Phone support only for SumUp One/Plus subscribers
Most users must email
Live chat available in app
Email Template
To: support@sumup.com Subject: Close My SumUp Account Hello, I would like to close my SumUp account. Account Email: [your@email.com] Account Name: [Your Business Name] I have: ✓ Exported all transaction data ✓ Received all pending payments ✓ No outstanding disputes Please confirm my account closure and that no further charges will be applied. Thank you, [Your Name]
What SumUp Will Ask
- Reason for leaving - They use this to improve service
- Data export confirmation - Have you downloaded everything?
- Outstanding payments - Any pending transactions?
- Final confirmation - Are you sure?
⚠️ Retention Offer
SumUp may offer discounts or free features to keep you. However, their rates are fixed - they can't negotiate lower than 1.69% per transaction. Compare other providers first.
Closure Timeline
| Step | Time |
|---|---|
| Stop taking payments | Day 1 |
| Export transaction data | Day 1 |
| Wait for final payout | Day 2-3 |
| Email support for closure | Day 3 |
| Receive confirmation | Day 4-5 |
| Account closed | Day 5 |
Better Alternatives to SumUp
If you're leaving SumUp to save money, consider these UK providers:
| Provider | Rate | Monthly Fee | Savings vs SumUp |
|---|---|---|---|
| Dojo | From 0.3% | £0 | Save 82% on fees |
| Paymentsense | From 0.79% | £0-£25 | Save 53% on fees |
| Square | 1.75% | £0 | 6p more per £10 spent |
| Zettle | 1.75% | £0 | Same as Square |
Save Thousands by Leaving SumUp
Most SumUp users processing £20k+/month save £200-£500/month by switching to volume-based providers. That's £2,400-£6,000 per year back in your business.
Common Questions
Can I just stop using SumUp without closing my account?
Yes. Since there's no monthly fee, you can simply stop using it. However, it's better to officially close it for security and to remove your bank details from their system.
Will I get a refund on my £29 card reader?
No. The £29 was a purchase, not a deposit. You own the reader permanently.
Can I reopen my account later?
Yes, but you'll need to sign up as a new customer. You can use the same card reader though.
What if I have a chargeback after closure?
SumUp will contact you by email. If the chargeback is upheld, they may debit your registered bank account directly. This is in their terms and conditions.
Do I need to return the card reader?
No. You purchased it for £29 - it's yours to keep, sell, or recycle.
How long does SumUp keep my data after closure?
SumUp retains data for regulatory compliance (typically 6 years) but you won't have access to it. Export everything before closing.
Tax Considerations
🚨 HMRC Requirement
Keep all SumUp transaction records for at least 6 years. You'll need them for:
- Tax returns
- VAT returns (if registered)
- Business accounts
- HMRC audits
Get Expert Switching Support
Free SumUp Switching Service
We've helped 3,000+ UK businesses switch from SumUp to better rates. We handle:
- Finding you the lowest rates for your transaction volume
- Setting up your new account
- Helping you close SumUp properly
- Free advice on data export and tax records
Call 0333 041 3933 orget a free quote →