The main difference between National Processing and SumUp is that SumUp offers a money back guarantee for 30 days but National Processing does not offer this.
In this versus, we compare National Processing vs SumUp in-depth to help you choose one of them. If you want to know more details, we recommend you to read our National Processing review and SumUp review.
However, you can also directly find the Best Point of Sale Software, we list them by ranking (based on our review rating), you can find all the comparisons we made and we explain how you should choose the proper one.
Here is what we will talk about in the rest of this article:
To make your choice quick and efficient, here is a short summary about our comparison of SumUp vs National Processing. Find out their ratings, features, prices and then discover the winner of the versus.
National Processing offers a variety of pricing plans tailored to different needs. Their low-cost monthly plans start at $9.95 for select industries, while subscription-based plans are available at $59 and $199 per month for merchants processing over $200,000 in transactions.
Industry-specific plans come with variable per-transaction fees, ranging from 0.12% plus 6¢ for nonprofits to 0.29% plus 15¢ for e-commerce.
Additional costs include a $15 per month fee for ACH processing and early termination fees ranging from $495 to $595. All plans come with free mobile readers and gateway setup.
Standard Monthly Plans
Low-Cost Monthly Plans: Available for select industries at $9.95 per month.
Subscription-Based Plans: Two options available at $59 and $199 per month for qualified merchants processing $200,000 or more in transactions per month.
Industry-Specific Plans
Nonprofit: 0.12% plus 6¢ per transaction.
Restaurants: 0.14% plus 7¢ per transaction.
Retail: 0.18% plus 10¢ per transaction.
E-commerce: 0.29% plus 15¢ per transaction.
Subscription and Subscription Plus Plans
$59-per-month Subscription Plan: Per-transaction costs are 0.0% plus 9¢.
$199-per-month Subscription Plus Plan: Per-transaction costs are 0.0% plus 5¢. This plan also offers a free terminal upgrade every two years.
Additional Costs
ACH Processing Plans: Available at $15 per month.
Early Termination Fees: Range from $495 to $595 if you close your account early.
Note: All plans include a free mobile reader and gateway setup, along with free reprogramming of existing equipment. The competitive price guarantee is limited to companies processing $10,000 or more per month.
SumUp offers straightforward pricing with no hidden fees or monthly costs. In-person transactions incur a flat fee of 2.75%, while remote transactions are charged at 3.25% plus $0.15 per transaction. Invoicing is free to send, with a 2.90% plus $0.15 fee when paid online.
Additional features like the iOS/Android app, dashboard, and customer support are all provided at no extra cost. The card reader comes with a one-time purchase option, backed by a 30-day money-back guarantee and a 1-year warranty.
In-Person Transactions
Fee: 2.75% per transaction
Details: SumUp charges a flat 2.75% fee for all in-person transactions. This includes payments made through swipe, chip, and contactless methods. There are no monthly minimums or hidden fees.
Remote Transactions
Fee: 3.25% + $0.15 per transaction
Details: For payments taken over the phone or via payment links, the fee is 3.25% plus an additional $0.15 per transaction.
Invoicing
Fee: 2.90% + $0.15 per transaction
Details: You can send unlimited free invoices from the SumUp App. When these invoices are paid online, a fee of 2.90% plus $0.15 is applied.
Additional Costs
Monthly Costs: $0
One-Time Card Reader Price: No monthly contracts, minimums, or obligations. Comes with a 30-day money-back guarantee and a 1-year warranty.
Delivery: Free
iOS / Android App: Free
Dashboard & Reporting: Free
Telephone & Email Support: Free
Payouts to Bank Account: 1-2 days
SumUp offers transparent pricing with no hidden costs, making it a cost-effective solution for small businesses.
