Card terminal comparison 2026

Updated 16 October 2026

In October 2026, the lowest effective card fee without a monthly fee (on a €25.00 purchase) is 1.49%: SumUp, and the cheapest card reader is €39.00: SumUp (Solo Lite), myPOS (myPOS Go 2).

Quick picks

Lowest effective card fee without a monthly fee1.49%SumUp0.79% requires a Maksut Plus subscription (€19/month)
Cheapest first-year cost for your sales€551.40SumUp0.79% requires a Maksut Plus subscription (€19/month)Updates with the values in the calculator.
Cheapest card reader€39.00SumUp (Solo Lite)0.79% requires a Maksut Plus subscription (€19/month),myPOS (myPOS Go 2)Settlement first to a myPOS account; transfer to your own bank €4 per transfer

Quick picks measure one thing at a time, not overall quality. In a tie, all providers are listed. Effective price on a €25.00 purchase: percentage and fixed fee combined, domestic consumer cards, no optional subscriptions. Stripe Terminal is left out because it requires a developer integration. Cheapest physical device by one-off price, with the price as the provider states it (see the VAT label). Tap to Pay on your own phone and rented terminals are not included.

Card terminal prices

Card terminals device price, monthly fee, card fees and VAT basis. Settlement, contract and Tap to Pay are behind the Terms button.
				International cards	VAT basis
Revolut BusinessNot suitable for sole tradersRequires a Revolut Business subscription (Basic, €10.00/month)	from €139.00	€10.00	0.80% + €0.02	2.60%	prices excl. VAT
Settlement 24-hour settlement to the Revolut Business account Contract No fixed term (one-off purchase, no maintenance or subscription costs for the terminal) Tap to Pay yes
Nets (Nexi)The monthly fee includes the terminal, do not add the rent separately	rent included in the monthly fee	€20.00	1.00%	1.00%	VAT basis not available
Settlement Next banking day (SmartPOS page); according to the card terminal page 1-2 banking days depending on the contract Contract 24 months Tap to Pay yes
Worldline (Nordea)The monthly fee includes the terminal, do not add the rent separatelyFinal price according to the quote	rent included in the monthly fee	€29.90	1.10% (fixed fee not available)	interchange-based or not published	VAT basis not available
Settlement Next (banking) day Contract 24 months Tap to Pay not available
Stripe TerminalDeveloper tool: requires an integration or a point-of-sale system	from €59.00	€0	1.40% + €0.10	2.90%	prices excl. VAT
Settlement Country-specific T+X settlement time; the value for Finland was not confirmed Contract No fixed term Tap to Pay yes
SumUp0.79% requires a Maksut Plus subscription (€19/month)	from €39.00	€0	1.49%	1.49%	prices excl. VAT
Settlement Next day at 7 am, also at weekends and on public holidays Contract No fixed term Tap to Pay yes
Viva.com (Viva Wallet)Settlement to a Viva.com account with a Greek (GR) IBAN; transfer to your own bank €0.25	from €49.00	€4.99	1.69%	interchange-based or not published	prices excl. VAT
Settlement Real-time settlement to the Viva.com account 365 days a year; SEPA transfer to your own bank €0.25 (4-30 free transfers/month in the plans) Contract Not mentioned in the price list Tap to Pay yes
myPOSSettlement first to a myPOS account; transfer to your own bank €4 per transfer	from €39.00	€0	1.69% + €0.05	2.89%	prices excl. VAT
Settlement Immediately to the myPOS account; SEPA transfer to your own bank €4.00 Contract No long-term contracts Tap to Pay yes
Zettle (PayPal POS)first reader €29 for new customers	from €79.00	€0	1.95%	1.95%	prices excl. VAT
Settlement Usually within minutes to the PayPal balance; scheduled transfers to your own bank at no extra charge Contract No contracts Tap to Pay yes

The fee is the provider's standard price for card payments received in person. The order is based only on the selected column, not on overall quality.

Tap to Pay, Stripe's note: According to Stripe's documentation, many cards in Finland are offline PIN cards: entering the PIN requires physical contact with the device, which Tap to Pay does not support. Stripe recommends a card reader or a payment link as a fallback. This is a technical note from one provider, not independent research. It probably also applies to the Tap to Pay apps of other providers, but this has not been checked. Source: Stripe: Tap to Pay.

What does a card terminal cost you?

Enter your monthly card sales and average purchase to see the monthly cost and the total cost of the first year including the device. Providers with missing information are left out of the calculation and the reason is given.

SumUpcheapest estimate0.79% requires a Maksut Plus subscription (€19/month)€551.40 / first yearMonthly cost €42.70 (Solo Lite); about 120 payments per month; pricing used: Maksut Plus
Nets (Nexi)The monthly fee includes the terminal, do not add the rent separately€600.00 / first yearMonthly cost €50.00 (the terminal is included in the monthly fee); about 120 payments per month
Stripe TerminalDeveloper tool: requires an integration or a point-of-sale system€707.00 / first yearMonthly cost €54.00 (BBPOS WisePad 3); about 120 payments per month
Viva.com (Viva Wallet)Settlement to a Viva.com account with a Greek (GR) IBAN; transfer to your own bank €0.25€765.28 / first yearMonthly cost €59.69 (Mini Card Reader); about 120 payments per month; includes the terminal ID and user add-on fees of €3.00/month; payout fee €0.25 per payout (the plans include free transfers, so the estimate is an upper limit)
Zettle (PayPal POS)first reader €29 for new customers€781.00 / first yearMonthly cost €58.50 (PayPal Reader); about 120 payments per month

Not calculated (2): information missing

Revolut Business: not suitable for sole traders
Worldline (Nordea): the fixed fee per transaction has not been published, the price is given as a quote

Monthly cost = monthly fee + percentage x card sales + fixed fee x number of payments. For the share of international cards, the international percentage is used. First year = 12 x monthly cost + device. If the provider has an optional subscription (for example SumUp's Maksut Plus), the cheaper of the standard price and the subscription is used, and the pricing used is shown in the result. The Tap to Pay surcharge and payout fees are included when the provider states them. The device is the cheapest physical reader by one-off price, and the rent of a rented terminal is already in the monthly fee. Prices are as stated by the providers, mostly excluding VAT, and provider-specific conditions are shown in the labels. The estimate does not include optional subscriptions, settlement fees or campaigns.

The terminal and card acquiring are two different things

EU law defines an acquirer as a payment service provider that enters into a contract with a payee for accepting and processing card-based payment transactions, which results in a transfer of funds to the payee. Some providers sell the device and card processing together, in which case a separate card acquiring agreement is not needed. The money then usually goes first to the provider's own account. Read more in the guides card terminal for a business and MobilePay for business.

Providers

SumUp: 1.49%, monthly fee €0
Zettle (PayPal POS): 1.95%, monthly fee €0
Nets (Nexi): 1.00%, monthly fee €20.00
Viva.com (Viva Wallet): 1.69%, monthly fee €4.99
myPOS: 1.69% + €0.05, monthly fee €0
Revolut Business: 0.80% + €0.02, monthly fee €10.00
Stripe Terminal: 1.40% + €0.10, monthly fee €0
Worldline (Nordea): 1.10% (fixed fee not available), monthly fee €29.90

Method

The comparison covers card payment solutions that are offered to a Finnish small business as self-service or at a public price list. All figures were collected on 16 October 2026 from the providers' own Finnish price list and product pages, and no third-party comparisons were used. Prices are standard prices, and promotions are described in the notes. Percentages and fixed fees apply to card payments accepted in person. The price for domestic cards means the fee for domestic or EEA consumer cards on the standard plan. The price for international cards applies to cards issued outside the EEA or to international cards. If the price for international cards is not shown, it is tied to the interchange fee or has not been published. The monthly fee is the cheapest mandatory monthly cost of accepting card payments, including a mandatory account subscription or terminal rental, excluding one-off device purchases. The Tap to Pay surcharge per transaction is included when the provider states it. The VAT basis shows whether the device and monthly prices are stated excluding or including VAT. If the provider's page does not say, the VAT basis is marked as unknown. Payment services may be exempt from VAT, but the sale of devices is subject to VAT. Payment links and online payments are marked only if the same provider also offers them. Finnish-language support is marked only if the provider's page mentions support in Finnish or support that operates in Finland. Missing or unclear information is left empty (not known), and the reason is given in the notes. Adyen was left out because it has no self-service for small businesses: pricing is set through sales and with an industry-specific minimum invoice. OP does not publish its own card terminal prices but refers customers to its partners Verifone and Nets at special prices. Nordea's merchant services are provided by Worldline, and it is included as Worldline (Nordea).

Data checked 16 October 2026. Always check the current price and terms with the provider. See also the business account comparison.

Frequently asked questions

What is the cheapest card terminal for a small business?

In October 2026, the lowest effective card fee without a monthly fee (on a €25.00 purchase) is 1.49%: SumUp. The cheapest card reader is €39.00: SumUp (Solo Lite), myPOS (myPOS Go 2). The actual cost depends on your card sales and the number of payments, so use the calculator on this page. Note the conditions: SumUp: 0.79% requires a Maksut Plus subscription (€19/month); Revolut Business: Not suitable for sole traders; Revolut Business: Requires a Revolut Business subscription (Basic, €10.00/month); Stripe Terminal: Developer tool: requires an integration or a point-of-sale system.

How much does a card terminal cost per month?

In October 2026, the mandatory monthly fee by provider is: SumUp €0, Zettle (PayPal POS) €0, Nets (Nexi) €20.00, Viva.com (Viva Wallet) €4.99, myPOS €0, Revolut Business €10.00, Stripe Terminal €0 and Worldline (Nordea) €29.90. The monthly fee includes the terminal at Nets (Nexi) and Worldline (Nordea), so the terminal rent is not counted separately.

Do card terminal prices include value added tax?

The VAT basis varies: SumUp (prices excl. VAT), Zettle (PayPal POS) (prices excl. VAT), Nets (Nexi) (VAT basis not available), Viva.com (Viva Wallet) (prices excl. VAT), myPOS (prices excl. VAT), Revolut Business (prices excl. VAT), Stripe Terminal (prices excl. VAT) and Worldline (Nordea) (VAT basis not available). Compare prices only once you know the VAT basis.

When are card payments settled to the business?

In October 2026, the settlement times are: SumUp: Next day at 7 am, also at weekends and on public holidays; Zettle (PayPal POS): Usually within minutes to the PayPal balance; scheduled transfers to your own bank at no extra charge; Nets (Nexi): Next banking day (SmartPOS page); according to the card terminal page 1-2 banking days depending on the contract; Viva.com (Viva Wallet): Real-time settlement to the Viva.com account 365 days a year; SEPA transfer to your own bank €0.25 (4-30 free transfers/month in the plans); myPOS: Immediately to the myPOS account; SEPA transfer to your own bank €4.00; Revolut Business: 24-hour settlement to the Revolut Business account; Stripe Terminal: Country-specific T+X settlement time; the value for Finland was not confirmed; Worldline (Nordea): Next (banking) day.

Does Tap to Pay work with Finnish cards?

According to Stripe's documentation, many cards in Finland are offline PIN cards: entering the PIN requires physical contact with the device, which Tap to Pay does not support. Stripe recommends a card reader or a payment link as a fallback. This is a technical note from one provider, not independent research. It probably also applies to the Tap to Pay apps of other providers, but this has not been checked. Tap to Pay support on a phone: SumUp yes, Zettle (PayPal POS) yes, Nets (Nexi) yes, Viva.com (Viva Wallet) yes, myPOS yes, Revolut Business yes, Stripe Terminal yes and Worldline (Nordea) not available.