SumUp Review (2023): Features, Pricing & More – Forbes

SumUp is a low-cost option for accepting payments but hardware choices are limited.

SumUp gives users a simple, low-cost way to accept card payments. Its card reader options offer basic functionality for less than $100, and there are no monthly charges or contracts required to use them. Payment processing fees are:

2.75% for in-person transactions.
2.90% plus 15 cents for online transactions.
3.25% plus 15 cents for manually keyed or payment-linked transactions.

Compared to options that have feature-rich point-of-sale systems, such as Clover or Square, SumUp’s offerings are limited. However, not every business needs that extra horsepower; for small businesses that have straightforward payment needs, this could be a good right-size option.

SumUp Review

What Is SumUp?

SumUp offers point-of-sale hardware and software for companies to use and accept all methods of payment. SumUp’s POS system can accept chip, swipe and contactless forms of payment. The hardware, which is available in several options and prices, connects to the SumUp mobile app via Bluetooth.

SumUp offers smaller and more affordable hardware for mobile payments as well as customizable full-scale POS systems for larger businesses that need a more SumUp robust set of features, including a cash register, receipt printer and a tablet.

SumUp’s mobile POS systems are ideal for merchants who need an easy way to process payments on the go. For example, if you sell merchandise at fairs or festivals, a portable POS system’s flexibility will be helpful.

SumUp accepts all major credit cards and payment methods, including Visa, Mastercard, Amex, Apple Pay and Google Pay.

Deciding factors

Payment processing fees● 2.75% for in-person transactions.
● 2.90% plus 15 cents for online transactions.
● 3.25% plus 15 cents for manually keyed or payment-linked transactions.
Monthly fee$0.
Hardware cost● $35 for SumUp Plus card reader.
● $49 for SumUp Plus cradle bundle.
● $99 for SumUp Solo touchscreen.
Accepted payment methodsVisa, Mastercard, American Express, Discover, Diners Club, Google Pay and Apple Pay.
Contract lengthNone.
Customer service● Phone support available Monday to Friday, 9 a.m. to 7 p.m. ET.
● Email support.
● Online knowledgebase.

How it works

SumUp is a self-sufficient payment platform with all the tools you need to accept cards easily without contractual obligations. This includes:

Card terminals (choice of 3 models)
Payment processing (in person and remote)
Online business account with accompanying card (free)
SumUp App (free) and Point of Sale (from £29/mo.)
Invoicing software (free)
Online store (free)
Accounting system (still being rolled out)

You just sign up (takes 5-10 minutes), purchase a SumUp card reader and pay a fixed rate per transaction. There are no hidden fees or fixed monthly costs for any of the features, unless you upgrade to the optional Point of Sale app.

Apart from using a card reader, you can accept SumUp payments remotely via payment links, an online store, email invoices and keyed transactions. QR codes can be generated for touch-free payments in person.

POS Rewards

Transactions are processed through the cloud, allowing real-time access to sales figures from SumUp App or the web-based Dashboard.

The complimentary business account with a SumUp Mastercard allows you next-day access to funds, unless you prefer settlement in your bank account.

SumUp rivals Zettle and Square with its low costs, superb value and ease of getting started.

SumUp Pros & Cons


  • In total, the Goodtill by SumUp software has 13 add-ons for you to tailor to your business focus, like Goodeats for managing takeaway orders
  • Wastage report available so you can optimise processes for cost-saving
  • iPad-based software makes for a compact till that you can get to grips with easily


  • No option for data backup means you potentially risk gaps in finance and/or sales reporting
  • Very expensive to add multiple licenses with SumUp – rival software talech gives you unlimited licenses for free on all plans

In short, we think SumUp is a better choice for those firms that need a singular and discreet payment solution that can be used in smaller, predominantly-offline firms such as street food vendors or salons.

Still, there are some noticeable flaws such as an expensive license fee (£290), plus a noticeable lack of live help and support tools, that makes it a poorer fit for ambitious businesses – SumUp particularly those based online.

SumUp Cons

Software has limited features
If you’re looking for a payments partner that can also act as a central hub for your business, you’ll be better off with a POS system that includes payment processing. If you’re a new business, SumUp might meet your needs today, but if you hope to grow, SumUp choosing a system that has more advanced features, like in-depth reporting, might be prudent.

Narrow range of hardware options
More advanced hardware might cost more, and there can be good reason to pay more. A customer-facing touchscreen can make building a database of customer contacts easier, for example, and a large desktop terminal can display more information than a small screen, which can make checkouts faster. With SumUp, your options are limited.

SumUp Alternatives

PayPal Zettle: Simple and low cost

Payment processing fees:

2.29% plus 9 cents for in-person and QR code transactions.
3.49% plus 9 cents for manual entry card transactions.
3.49% plus 49 cents for invoicing transactions.

Why we like it: The Zittle card reader has a similar pocket calculator vibe and price point. PayPal Zittle also has a traditional desktop terminal and a SumUp POS system. This option, which is owned by online payments giant PayPal, might be a good match if you also sell online.

Square: Good for growing businesses

Payment processing fees:

$0 for Square POS, Restaurant, Retail and Appointments Free plans.
$29 for Square POS Plus and Square Appointments Plus plans.
$60 for Restaurant Plus and Retail Plus plans.
$69 for Square Appointments Premium plan.

Why we like it: Like , you can start accepting payments with Square for less than $50 in hardware costs, have a $0 monthly payment, avoid a long-term commitment and pay low payment processing costs. However, Square’s POS system gives you more tools off the bat, like better reporting tools, as well as a system that can grow with your company. Some features cost extra, such as the customer loyalty program.