Business · payment terminals 2026
Card payment fees in Finland 2026: payment terminal comparison
The fee for accepting cards is typically 0.8–1.95% of sales for a small business in Finland. Some providers also charge a fixed amount per payment or a monthly fee, so the cheapest option depends on how much you sell and how big the purchases are.
If you take less than about €1,600 a month by card and the average purchase is €30, SumUp is the cheapest: 1.49% with no monthly fee. Above that, Revolut Business works out cheaper, even though it requires a €10 monthly plan. Enter your own sales in the calculator below and it compares seven options using the published prices.
Work out your card payment costs
Everything paid by card and contactless.
The average amount paid by card. Some providers also charge a fixed fee on every payment.
about 33 card payments a month
Cheapest for these numbers
SumUp€14.90/month
1.49% of sales
All options, cost per month
- SumUp€14.90/month
1.49% of sales · reader €39 · first year €217.80
- Nexi Tap to Pay€15.00/month
1.50% of sales · no reader, runs on an iPhone · first year €180.00
- Stripe Terminal€17.33/month
1.73% of sales · reader €59 · first year €267.00
- Revolut Business€18.67/month
1.87% of sales · reader €139 · first year €363.00
includes the €10-a-month Basic plan with a business account
- Zettle by PayPal€19.50/month
1.95% of sales · reader €29 · first year €263.00
- myPOS€22.57/month
2.26% of sales · reader €39 · first year €309.80
includes one transfer to a bank (€4)
- SumUp Payments Plus€26.90/month
2.69% of sales · reader €39 · first year €361.80
includes the €19 monthly fee
The calculator compares the providers’ price lists on 19.10.2026 for consumer cards issued in the EEA. Many providers charge more for American Express, business cards and cards issued outside the EEA. Reader prices exclude VAT. Check the current price with the provider before signing up.
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How are card payment costs calculated?
The calculator works out each provider’s monthly cost from three parts. The percentage fee is multiplied by your card sales, the fixed fee by the number of payments, and the monthly fee is added on top. The number of payments is your sales divided by the average purchase. For example, at €2,000 a month and a €30 average purchase there are about 67 payments. SumUp then charges €29.80, Revolut Business €27.33 including the Basic plan, and Zettle €39.00. The first-year cost is 12 months of fees plus the price of the reader. The calculator assumes customers pay with EEA consumer cards. For myPOS it also adds one €4 transfer to a bank account each month.
What makes up the cost of accepting cards?
There are four kinds of cost. The percentage fee is charged on every payment and is usually the largest part. Some providers add a fixed fee to each payment: Stripe €0.10 and myPOS €0.05. The monthly fee is €19 with SumUp Payments Plus and at least €10 with Revolut Business. The fourth cost is the reader, which you buy once.
The smaller the purchases, the more the fixed fee matters. With a €10 average purchase, Stripe’s €0.10 fee adds a full percentage point to every payment. A café or a market stall should therefore look at the fixed fee as well as the percentage.
The calculator compares consumer cards issued in the EEA, such as Finnish bank cards. Most providers charge more for American Express, business cards and cards issued outside the EEA, as the table shows. On SumUp’s standard plan the fee is the same for every card.
Money reaches your account at different speeds. SumUp pays out to a SumUp business account at 7 am the next morning and to other banks within 1–3 business days. Revolut settles within 24 hours and Nexi on the next banking day. Payments reach a myPOS account instantly, but a transfer to a bank account costs €4, so the calculator assumes one transfer a month.
Prices in October 2026
| Provider | Consumer cards (EEA) | Other cards | Monthly fee | Cheapest device |
|---|---|---|---|---|
| SumUp | 1.49% | 1.49% | €0 | Solo Lite €39 |
| SumUp Payments Plus | 0.79% | 1.49% | €19 | Solo Lite €39 |
| myPOS | 1.69% + €0.05 | 2.89% + €0.05 (Amex 2.49% + €0.05) | €0 | Go 2 €39 |
| Zettle by PayPal | 1.95% | not published separately | €0 | reader €29 |
| Stripe Terminal | 1.4% + €0.10 | 2.9% + €0.10 (non-EEA) | €0 | WisePad 3 €59 |
| Revolut Business | 0.8% + €0.02 | 2.6% + €0.02 (Amex 1.7%) | €10 (Basic) | Lite Terminal €139 |
| Nexi Tap to Pay | 1.5% | not published separately | €0 | your own iPhone |
myPOS prices apply to card sales below €10,000 a month; above that the price is agreed separately. SumUp, myPOS and Stripe also take payments on a phone without a reader (Tap to Pay). Stripe charges €0.10 extra for such a payment.
Monthly cost at different sales levels
| Provider | €500/month | €1,000/month | €2,000/month | €5,000/month |
|---|---|---|---|---|
| SumUp | €7.45 | €14.90 | €29.80 | €74.50 |
| SumUp Payments Plus | €22.95 | €26.90 | €34.80 | €58.50 |
| myPOS | €13.28 | €22.57 | €41.13 | €96.83 |
| Zettle by PayPal | €9.75 | €19.50 | €39.00 | €97.50 |
| Stripe Terminal | €8.67 | €17.33 | €34.67 | €86.67 |
| Revolut Business | €14.33 | €18.67 | €27.33 | €53.33 |
| Nexi Tap to Pay | €7.50 | €15.00 | €30.00 | €75.00 |
The myPOS figures include one €4 transfer to a bank account and the Revolut figures the €10-a-month Basic plan, which includes a business account.
Frequently asked questions
What is the cheapest card terminal for a small business?
It depends on your sales. If you take less than about €1,600 a month by card and the average purchase is €30, SumUp is the cheapest: 1.49% and no monthly fee. At higher sales Revolut Business becomes cheaper: 0.8% + €0.02 plus the €10-a-month Basic plan. The calculator shows the order for your own numbers.
How much does SumUp cost?
On the standard plan SumUp charges 1.49% on every card payment, American Express included. There is no monthly fee. The cheapest reader, Solo Lite, costs €39 excluding VAT, and Tap to Pay on a phone is free. Payments Plus costs €19 a month and lowers the fee for EEA consumer cards to 0.79%.
Is SumUp Payments Plus worth it?
It pays for itself at about €2,700 a month in card sales if every payment is made with an EEA consumer card. SumUp’s own estimate is €2,900 a month. Other cards are charged 1.49% on Payments Plus as well. You can try it free for 7 days and cancel at any time.
Do I need a card reader, or is a phone enough?
A phone is often enough. The Tap to Pay app is free with SumUp and myPOS, Stripe charges €0.10 extra per phone payment, and Nexi works on an iPhone alone for 1.5% with no monthly fee. A separate reader is handy when you have many customers or take payments at a counter.
What do Amex and business cards cost?
With most providers, more than ordinary cards. myPOS charges 2.49% + €0.05 for Amex and 2.89% + €0.05 for other cards. Revolut charges 1.7% for Amex and 2.6% + €0.02 for other cards, and Stripe 2.9% + €0.10 for cards from outside the EEA. On SumUp’s standard plan the fee is 1.49% for every card.
When does the money reach my account?
SumUp pays out to a SumUp business account at 7 am the next morning and to other banks within 1–3 business days. Revolut settles within 24 hours and Nexi on the next banking day. Payments reach a myPOS account instantly, but a transfer to a bank account costs €4.