Making the decision to switch to NPI UK from SumUp could be one of the most straightforward moves your business makes this year. If your current card payment setup no longer fits where your business is heading, you are not alone. Thousands of UK small business owners, retailers, and sole traders reach a point where they need more flexibility, better support, and pricing that actually makes sense for their growth.
This guide walks you through the entire migration process, step by step, so you can move with confidence and get back to doing what you do best.
Why More UK Businesses Choose to Switch to NPI UK
Growing businesses often outpace the tools they started with. SumUp works well for very early-stage sellers, but as transaction volumes rise and business needs become more complex, gaps can start to appear. You may notice limited reporting options, no dedicated account management, or a pricing structure that quietly eats into your margins.
When you switch to NPI UK, you gain access to a full suite of merchant services built around your business, not the other way around. NPI UK works with businesses across the UK and Ireland, offering tailored payment solutions, transparent pricing, and a team you can actually speak to. According to the UK Finance Merchant Acquiring Report, card payments now account for over 80% of all retail transactions in the UK, which means your payment provider needs to work as hard as you do.
Step 1: Review Your Current Contract Before You Switch
Before you switch to NPI UK, the sensible first move is to check the terms of your existing SumUp agreement. Look at:
- Any minimum contract length still in effect
- Notice periods required to cancel your account
- Whether you own your existing card hardware or are renting it
Most SumUp accounts operate on a pay-as-you-go basis with no long-term contracts, which makes moving considerably easier. The Citizens Advice guide on business contracts is a handy reference if you need support understanding your obligations.
Once you know where you stand, you can move ahead with a clear timeline.
Step 2: Decide What You Need When You Switch to NPI UK
The migration process is a great opportunity to think about what you really want your payment setup to deliver. Consider:
- Your average monthly transaction volume
- The types of payments you take (in-person, online, or both)
- Any integrations you rely on, such as EPOS systems or accounting software
- How important customer support is to your day-to-day operations
Switching is not just about changing a device or a rate. It is about finding a payment partner that grows alongside your business. NPI UK offers everything from countertop card machines to fully integrated EPOS solutions, so the conversation always starts with your needs.
Step 3: Contact NPI UK and Get a Bespoke Quote
This is the step most business owners find refreshingly simple. Reach out to the NPI UK team and share some basic information about your business: what you sell, how you take payments, and your average monthly card turnover.
The team will put together a clear, personalised quote based on your actual trading patterns, not a one-size-fits-all rate card. There are no hidden fees and no obligation. Call NPI UK directly on 023 8001 9998 or visit npi.uk to get started.
This is the moment when the decision to switch to NPI UK stops feeling like a big task and starts feeling like a natural next step.
Step 4: Complete Your Application and Get Approved
Once you are happy with your quote, you will complete a straightforward merchant account application. NPI UK will guide you through the process, which typically requires:
- Proof of business identity and address
- Recent bank statements
- Details about the nature of your business and how you trade
The Financial Conduct Authority (FCA) regulates payment services in the UK, and working with a compliant provider means you are always protected by the proper frameworks. Most applications are processed quickly, so you will not be left waiting.
Step 5: Set Up Your New System After You Switch to NPI UK
Once approved, your new card payment hardware will be delivered directly to you. NPI UK provides clear setup guidance, and the team is on hand to help if you have any questions during installation.
Setup is designed to be simple, with no technical expertise required. Whether you are swapping a single card reader or upgrading to a full countertop or portable terminal solution, the process is guided every step of the way. For many businesses, this is the moment the benefits of making the switch to NPI UK become immediately clear.
Step 6: Close Your SumUp Account
With your new NPI UK solution up and running, you can close your SumUp account. Log in to your SumUp dashboard, navigate to account settings, and follow their cancellation process. Before you do, make sure you:
- Download any historical transaction data or reports you want to keep
- Confirm that all outstanding payouts have cleared to your bank account
- Return any rented equipment if applicable
Once that is done, your migration is officially complete.
Step 7: Make the Most of NPI UK After the Switch
The final step is not really a step at all; it is an ongoing habit. Use the reporting and account management tools available through NPI UK to monitor your transaction data, spot your busiest trading periods, and make better-informed decisions about your payment setup going forward.
The British Retail Consortium Payment Survey consistently shows that businesses actively managing their payment costs save significantly over time. With the right provider behind you, you are in a much stronger position to do exactly that.
Ready to Switch to NPI UK? Here Is How to Get Started
The process to switch to NPI UK is simpler than most business owners expect. With a dedicated team, transparent pricing, and payment solutions built for real-world UK trading, NPI UK is ready to support your next chapter.
Get in touch today for a no-obligation conversation about your payment needs. Call 023 8001 9998 or visit npi.uk to speak with the team. Your business deserves a payment partner that is as invested in your success as you are.
Disclaimer: The information provided in this blog is intended for general guidance purposes only and reflects our understanding of the payment industry at the time of publication. Pricing, contract terms, and product availability are subject to change. We recommend reviewing all agreements carefully and seeking independent advice where appropriate before making any changes to your payment provider. New Payment Innovation (NPI UK) is not responsible for any decisions made based on the content of this article.
