In the UK and in person transactions that appears to be correct. For card not present (online) transactions its 2.50% ( https://help.sumup.com/en-GB/articles/4oI3qHHji2I2S9dyvRfec3... )

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For the US ( https://support.sumup.com/hc/en-us/articles/115008338687-Pri... )

> When you take payments over the phone or via payment link, you’ll pay 3.25% + $0.15 per remote transaction.

In Poland it's 1.95% for pay-by-link and 1.49% for card-present. https://support.sumup.com/hc/pl/articles/115008338687-Op%C5%... The card-present fee is actually on the high side for but there is no monthly fee, the usual rates are around 0.7%.