SumUp Review 2022: Features, Pricing, Top Alternatives

SumUp offers customers a easy, low-cost approach to settle for card funds. Each of its three card readers provide primary performance for lower than $100, and there are not any month-to-month fees or contracts required to make use of them. The platform additionally presents a aggressive flat-rate fee processing price of two.75% per in-person transaction and a pair of.9% plus 15 cents per bill paid on-line.

Compared to choices which have feature-rich point-of-sale techniques, like Clover or Square, SumUp’s choices are restricted. However, not each enterprise wants that additional horsepower; for small companies which have easy fee wants, this may very well be right-size choice.

Deciding components

No month-to-month price to make use of SumUp.

Three choices, costing $19, $59 and $99.

Accepts main card manufacturers, Apple Pay and Google Pay.

  • In-person transactions: 2.75%.

  • Invoices paid on-line: 2.9% plus 15 cents.

  • Remote transactions and fee hyperlinks: 3.25% plus 15 cents.

No add-on companies at present out there.

Phone help out there Monday to Friday, 9 a.m. to 7 p.m. ET.


  • Low price, low dedication.

  • All three {hardware} choices under $100.


  • Software has restricted options.

  • Narrow vary of {hardware} choices.

How does SumUp work?

SumUp lets companies settle for card funds in individual, by an internet bill, with fee hyperlinks or over the telephone.

The firm’s three easy card readers are distinctively easy. Ranging from $19 to $99, these all-white readers with black-and-white shows are additionally among the many least expensive methods to begin accepting in-person funds. Using SumUp doesn’t require a long-term contract, and there’s no month-to-month price to make use of it.

Two of the three readers are standalone gadgets; to make use of them, you don’t have to be tethered to a telephone or register. They hook up with Wi-Fi and include limitless cellular knowledge with none further price to you. This flexibility generally is a plus, particularly for those who transfer places continuously and don’t wish to purchase a number of tablets or telephones.

The flipside of SumUp’s minimalist method is that it has a restricted function set relative to different corporations, particularly people who provide full POS techniques. SumUp says it has a POS system coming quickly, however till then customers should depend on an app that has some parts POS techniques have, like the choice to construct an merchandise catalog, however that lacks extra complicated options, like the flexibility to construct a ground plan of a restaurant or shortly incorporate a buyer loyalty program. While different corporations provide dozens of stories, you’ll have entry to only some stories with SumUp, like transaction and income summaries.

In addition to in-person funds, you need to use SumUp to ship on-line invoices to prospects. You’ll even have entry to fee hyperlinks and a digital terminal that permits you to settle for over-the-phone funds.

How a lot does SumUp price?

SumUp doesn’t have any month-to-month charges. Instead, the one recurring price you’ll pay is for fee processing:

  • In-person transactions: 2.75%.

  • Invoices paid on-line: 2.9% plus 15 cents.

  • Remote transactions and fee hyperlinks: 3.25% plus 15 cents.

SumUp {hardware} choices

Hardware comes with a set upfront price. SumUp’s three choices are all compact and reasonably priced. Considering the associated fee, it’s not shocking that every one three are primary in comparison with the wide selection of {hardware} you would possibly discover elsewhere, like a desktop register or a big colourful touchscreen.

For a primary choice: SumUp Plus ($19)

(Photo courtesy of SumUp)

This gadget isn’t a lot greater than the playing cards it accepts. Its low-fi display screen shows solely the fee kind and the full quantity with none design prospers. One notable benefit to this reader is its means to simply accept swiped, dipped or tapped playing cards — to get the identical functionality from Clover would price $49, and with Square you’d want two completely different gadgets. To use the Plus, you’ll have to pair with the SumUp app on a telephone or pill.

For taking funds with no telephone: SumUp Pro ($59)

A customer inserts a credit card into the SumUp Pro reader

(Photo courtesy of SumUp)

It appears to be like like an enormous calculator, however the Pro is a card reader that accepts tapped and dipped playing cards. You don’t want a telephone to make use of it, which is the explanation for the keypad. In addition to connecting to Wi-Fi, the Pro features a SIM card, identical to your telephone, that permits it to make use of limitless cellular knowledge to finish funds. You don’t want to purchase a telephone plan. This independence might turn out to be useful for those who don’t wish to dedicate your telephone to your card reader — useful, for instance, if workers are processing transactions if you aren’t there.

For extra buyer interplay: SumUp Solo ($99)

A sample transaction screen on the SumUp Solo reader

(Photo courtesy of SumUp)

The Solo is the corporate’s solely card reader with a touchscreen, however it nonetheless exudes SumUp’s no-frills aesthetic: The show is monochrome. You can immediate prospects for suggestions or ship digital receipts from the cardboard reader — issues you’ll be able to’t do with the opposite two. Like the Pro, the Solo accepts dipped and tapped playing cards, however not swiped. All SumUp gadgets can hook up with Bluetooth printers or printers that hook up with Google Cloud Print.

Benefits of SumUp

Low price, low dedication

SumUp’s low costs are its main aggressive benefit. While many different funds corporations have a card reader for lower than $100 along with costlier choices, SumUp’s complete {hardware} lineup prices $99 or much less. There’s no month-to-month price or long-term dedication to make use of its companies, and its mounted fee processing prices are straightforward to know and competitively priced.

Minimalist {hardware} with a couple of particulars that stand out

If you’re simply seeking to settle for card funds, why pay extra for a Swiss-Army-knife card reader that does 20 different issues? Finding a card reader with the correct options is extra vital than discovering a card reader with essentially the most options. Plus, SumUp’s gadgets have a couple of qualities which are exhausting to search out elsewhere. The $19 Plus accepts swiped, dipped and tapped playing cards; you’ll seemingly pay extra or want a number of gadgets to get the identical elsewhere. The Pro and Solo don’t have to be tethered to a telephone and hook up with cell networks at no additional price.

Drawbacks of SumUp

Software has restricted options

If you’re on the lookout for a funds accomplice that may additionally act as a central hub for your online business, you’ll be higher off with a POS system that features fee processing. If you’re a brand new enterprise, SumUp would possibly meet your wants at this time, however for those who hope to develop, selecting a system that has extra superior options, like in-depth reporting, is likely to be prudent.

Narrow vary of {hardware} choices

More superior checkout {hardware} may cost a little extra, however there generally is a good enterprise cause to pay extra. A customer-facing touchscreen could make constructing a database of buyer contacts simpler. A big desktop terminal can show extra info than a small display screen, which may make checkouts sooner. With SumUp, your choices are restricted.


Another easy, low-cost choice: Zettle

The card reader from Zettle has the identical pocket calculator vibes and low costs as SumUp. Zettle additionally has a conventional desktop terminal and a POS system that’s free to make use of. It doesn’t have superior options like buyer loyalty applications or e-mail advertising and marketing, however what it does have is greater than SumUp at present presents. This choice, which is owned by on-line funds large PayPal, is likely to be match for those who additionally promote on-line.

Built for development: Square

Like SumUp, you can begin accepting funds with Square for lower than $50 in {hardware} prices, have a $0 month-to-month fee, keep away from a long-term dedication and pay low fee processing prices. However, Square’s POS system offers you extra instruments off the bat, like higher reporting instruments, in addition to a system that may develop together with your firm. Some of the additional software program options include a price, just like the buyer loyalty program, however you can begin and cease utilizing these at any level. If you’re taking a look at SumUp for invoicing or fee hyperlinks, Square presents these, too.