SumUp vs Zettle vs Nets in Norway: Which Is Cheapest?

SumUp, Zettle and Nets solve the same job in three different ways. For most small businesses SumUp is the most affordable choice: no monthly fee, no lock-in and a flat 1.49% per payment. Zettle by PayPal sits slightly higher at 1.75%, while Nets supports BankAxept but usually ties you into a contract with a lock-in period. You buy the hardware at Elkjøp and are up and running the same day.

Which one is cheapest for you depends on how much you sell and how. For low, uneven or mobile sales, SumUp wins on price and flexibility. If you run a shop with very high card volume and lots of Norwegian debit cards, a bank terminal from Nets or Verifone with BankAxept can work out cheaper in the long run. Below we go through the differences honestly, so you can choose correctly.

SumUp vs Zettle vs Nets: a quick overview

The three are built for different needs. SumUp and Zettle sell affordable card readers with no lock-in directly to small businesses, while Nets supplies bank terminals with BankAxept, usually on a contract. The table shows the most important differences:

SumUp and Zettle share the same basic model: buy the hardware once, pay a fixed percentage per sale and skip the monthly fee. The difference between 1.49% and 1.75% sounds small, but on debit-heavy Norwegian sales SumUp comes out cheapest over time. Zettle, for its part, has a free built-in point-of-sale in the app and accepts American Express, which can count if you have a lot of Amex customers.

When is SumUp cheapest?

Short answer: SumUp is cheapest when sales are low, uneven or mobile - 1.49% per payment, no monthly fee and no lock-in, bought at Elkjøp.

SumUp is made for businesses that don't want to pay a fixed sum every month. You pay 1.49% per completed payment (SumUp Norway, 2026), and if you want to push the fee down, you can add the Betalinger Plus subscription (349 NOK/month), which lowers the rate to 0.79%. There is no contract and no monthly fee, so you don't pay for quiet periods. SumUp is usually the cheapest choice when:

1. Volume is low or uneven. With no monthly fee you avoid paying in the months you sell little, and the flat fee is easy to calculate.
2. You sell on the move or seasonally. At markets, festivals, food trucks and pop-ups it helps that the hardware works without fixed internet or a fixed counter.
3. You want to avoid lock-in. There is no contract to cancel - you buy the hardware at Elkjøp and own it yourself.
4. You have just started out. A low entry cost and zero paperwork make it easy to take your very first card.

"No lock-in, no monthly fee - you pay just 1.49% per payment." - SumUp Norway

Whichever model you need, you'll find the full SumUp range at Elkjøp, from the affordable card reader to the complete point-of-sale system. If you're unsure where to shop, we've gathered everything in our guide to where to buy SumUp in Norway.

Choosing the right SumUp: Solo Lite, Terminal or Register

SumUp is not one product, but three. The right choice is driven by what you actually need, not just by price. All three carry the same 1.49% fee and no lock-in.

SumUp Solo Lite is the most affordable. It is a card reader that pairs with your phone or tablet over Bluetooth, and suits you best when the need is simply to take cards at the lowest possible price. You can buy SumUp Solo Lite at Elkjøp and run your sales from the free SumUp Business app.

SumUp Terminal is a standalone payment terminal with a built-in receipt printer and its own 4G, so you need neither a phone nor fixed internet. It suits cafés, food trucks and salons that want to take payment and print a receipt on the spot. If you want to dig deeper, you can read what SumUp Terminal is and how much SumUp Terminal costs in Norway, or see SumUp Terminal at Elkjøp if you need printing in the same device.

SumUp Register is the complete point-of-sale system with two screens - one for you and one for the customer - and brings payment, inventory management, staff and sales reports together in one place. It is the choice when you run a fixed counter and want to replace an old cash register.

When Nets or Verifone is a better fit

SumUp doesn't always win. Two things point towards a traditional bank terminal from Nets or Verifone: high card volume and BankAxept.

SumUp and Zettle run Norwegian debit cards as Visa or Mastercard, not over BankAxept. BankAxept accounted for 49% of transactions made with Norwegian cards in 2024 (Norges Bank), and on this network the per-transaction fees are often lower. For most small and mobile businesses that makes no practical difference. But if you sell large sums every day, a BankAxept terminal from Nets or Verifone can work out cheaper overall - even with a monthly fee and lock-in. Nets is one of the largest payment providers in the Nordics and supplies terminals on a contract, often with two to three years of lock-in. Verifone is the classic bank terminal for shops with high volume. Work out the total cost before you choose.

Vipps and SumUp: replacement or supplement?

Short answer: Vipps MobilePay is a supplement, not a replacement - SumUp accepts cards, contactless, Apple Pay and Google Pay at the till.

Many people ask whether they can accept Vipps. Vipps MobilePay is a payment method, not a competitor to the card reader - think of it as a supplement. SumUp accepts the cards and digital wallets customers actually use at the till: chip and PIN, contactless, Apple Pay and Google Pay, Visa and Mastercard. That covers the vast majority of payments in a Norwegian small business. If you also need to accept Vipps directly in store, you can use Vipps' own solution alongside SumUp. The two don't rule each other out: for most businesses SumUp covers the daily card sales, while Vipps fills in where customers would rather use the app.

Frequently Asked Questions

What is cheapest: SumUp, Zettle or Nets?

For small and mobile businesses SumUp is usually cheapest. You pay 1.49% per payment (0.79% with Betalinger Plus), with no monthly fee and no lock-in. Zettle sits at 1.75%. Nets can work out cheaper at very high card volume because it supports BankAxept, but then you usually pay a monthly fee and tie yourself in for two to three years. Work out how much you sell: low or uneven volume favours SumUp, while a busy shop with high volume should compare the total cost against a bank terminal.

What's the difference between SumUp and Zettle?

SumUp and Zettle by PayPal use the same model: buy an affordable card reader, pay a fixed percentage per sale, and skip the monthly fee and lock-in. The main difference is the fee - SumUp takes 1.49%, Zettle 1.75% - so on debit-heavy Norwegian sales SumUp comes out cheapest over time. Zettle, for its part, has a free built-in point-of-sale in the app and accepts American Express. If you have a lot of Amex customers, Zettle may suit. Otherwise SumUp wins on price and on the fact that you can buy the hardware at Elkjøp.

Does SumUp support BankAxept?

No. SumUp runs Norwegian debit cards as Visa or Mastercard, not over BankAxept. BankAxept accounted for 49% of transactions made with Norwegian cards in 2024 (Norges Bank), and on this network the per-transaction fees are often lower. For most small and mobile businesses it makes no practical difference. But if you run a shop with very high volume of Norwegian debit cards, you should work out the total cost against a BankAxept terminal from Nets or Verifone before you decide.

Can I accept Vipps with SumUp?

SumUp accepts cards, contactless, Apple Pay and Google Pay, but not Vipps directly. Vipps MobilePay is a separate payment method, and you can use Vipps' solution alongside SumUp if you want to offer both. Think of Vipps as a supplement, not a replacement: SumUp covers the cards and digital wallets customers use at the till, while Vipps catches those who would rather pay with the app. For most Norwegian small businesses cards via SumUp are plenty, with Vipps added where needed.

Does SumUp have a lock-in period?

No. SumUp has no lock-in, no monthly fee and no contract. You buy the card reader or terminal once - at Elkjøp - and then pay only 1.49% per payment. That is an important difference from a traditional bank terminal from Nets, which is often rented on a contract with two to three years of lock-in. If you later want to lower the fee, you can add the Betalinger Plus subscription (0.79%), but it is optional and can be cancelled. So you never pay for months without sales.

Ready to take cards with no lock-in? See all SumUp products at Elkjøp and find the card reader, terminal or point-of-sale system that fits your business.