JIM vs SumUp: Tap to Pay Fees and Payouts (2026)
JIM charges 1.99% per Tap to Pay sale with no fixed fee, and SumUp charges 2.6% + 10¢ for every in-person payment. On a $50 sale, you pay $1.00 with JIM and $1.40 with SumUp, based on each company's published pricing.
On a $2,000 month of small sales, JIM keeps $20.00 more in your pocket, and each sale lands in your Jim balance in seconds instead of the next day.
This comparison is updated every year with each company's published fees. Last reviewed: November 2026.
How do JIM and SumUp fees compare in 2026?
Start with the in-person rate, since a phone-based seller takes most sales face to face. JIM's rate is 0.61 percentage points lower, and JIM adds no 10¢ fixed fee on top of each tap.
| JIM | SumUp | |
|---|---|---|
| Tap to Pay, per sale | 1.99% | 2.6% + 10¢ |
| Fixed fee per sale | $0 | 10¢ |
| Monthly fee | $0 | $0 (POS Plus $49 a month, optional) |
| Card reader | Not needed, your phone | Not needed for Tap to Pay |
| Money available | Jim balance in seconds | Next-day payout |
Source: SumUp's official pricing page, accessed November 2026. JIM: jim.com/pricing and the JIM Help Center fee table.
In practice, the 10¢ fixed fee is what moves the total. It costs the same on a $5 coffee as on a $200 ring, so the smaller your average ticket, the bigger the share of each sale it takes.
What do JIM and SumUp cost on a $50 sale and a $2,000 month?
JIM costs less at every ticket size in this example. Suppose a craft fair seller makes 80 Tap to Pay sales of $25 in a month, $2,000 in total, and spends the money from the app.
| Example | JIM | SumUp |
|---|---|---|
| One $25 tap | $0.50 | $0.75 |
| One $50 tap | $1.00 | $1.40 |
| One $100 tap | $1.99 | $2.70 |
| 80 taps of $25, money kept in the app | $40.00 | $60.00 |
That is $0.25 saved on each $25 sale and $0.40 on each $50 sale. Over the month, JIM keeps $20.00 more with you, or $240.00 across 12 months like this one.
Example math: each sale's fee rounded to the cent, times 80 sales. JIM: 1.99% of $25 is $0.50. SumUp: 2.6% of $25 plus 10¢ is $0.75. Source: SumUp's official pricing page, accessed November 2026. Read how card processing fees work for the parts of each fee.
How fast do you get your money with JIM vs SumUp?
JIM is faster to spend: each sale lands in your Jim balance in seconds, and the free virtual Jim Card spends it right away. SumUp pays out the next day, so a Saturday sale is not ready to spend on Saturday.
For a seller who restocks supplies, pays for a booth or buys lunch from the day's sales, money in seconds matters more than a few cents. Buy what you need with the Jim Card the same afternoon you sell.
Which business fits JIM, and which needs something else?
JIM fits solo sellers who take payments in person on a phone. You need to be 18 or older, sell in one of the 50 U.S. states, and run a sole proprietorship or an LLC with one owner. You do not need a bank account, a reader or a subscription (JIM's seller requirements).
JIM does not support corporations, tablets or typed-in card numbers, so a counter with staff and chip-insert hardware needs a broader point-of-sale setup. If you work alone with a phone, JIM covers contactless cards, Apple Pay, Google Pay and Samsung Pay at 1.99%, with money in seconds.
| Profile | Deciding criterion | JIM when... | Consider an alternative if... |
|---|---|---|---|
| Mobile seller, tickets under $100 | Fee per sale | You take taps and spend from the Jim Card | You need chip-insert or swipe hardware |
| Seller without a bank account | Where the money goes | You want to sell and spend without opening a bank account | You need to withdraw cash at an ATM |
| Business structure | Who can sign up | You are a sole proprietor or single-owner LLC | Your business is a corporation |
How do you switch from SumUp to JIM?
Run JIM next to your current setup for one week before you switch. You keep selling while you check the fees and the speed of your money on your own sales.
Should you choose JIM or SumUp?
Choose JIM if you sell in person on a phone and spend most of your sales from a card: you saw $40.00 in fees against $60.00 on a $2,000 month, with money ready in seconds. Look at a broader point-of-sale system only if you need chip-insert counter hardware or your business is a corporation.
JIM Tap to Pay charges 1.99% per sale with no monthly fee and no reader. Start with a $1 test sale and check the numbers on your own tickets. See every fee at jim.com/pricing, and read more on accepting cards without a card reader.
Sell and get paid in seconds with Jim
