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SumUp

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SumUp 2026: Benefits, Features & Pricing

Wondering if SumUp is right for your organization?

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On this page
  • Overview
  • Pricing and Plans
  • Features
  • Integrations
  • User Reviews

Overview

SumUp
SumUp
4.5
(1468)

Pricing

Starting at $99.00 per month

About SumUp

SumUp is a payment processing system that allows businesses to accept card payments and manage point-of-sale operations. It is suitable for various small businesses, such as coffee shops, bakeries, boutiques, and pet stores. The system supports multiple payment methods, including portable card readers for in-person transactions, online payment processing, and self-service kiosks. SumUp provides point-of-sale systems with different configurations to meet specific business needs, along with invoicing capabilities and customer engagement tools such as gift cards.

The platform includes a mobile app that offers business solutions accessible from smartphones and tablets. It also provides financial services, including business checking accounts and wealth management options. SumUp offers next-day payout capabilities when used with a SumUp merchant account.

SumUp Screenshots

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SumUp Pricing and Plans

Starting price: $99.00 per month
Free Trial
Free Version

POS with Connect Lite

$99.00

flat rate, per month

Plan includes:

  • Cloud-Based POS
  • Customer Database
  • Dedicated Installation
  • Dedicated Training

POS with Connect Plus

$199.00

flat rate, per month

Plan includes:

  • 30-Days Money Back Guarantee
  • Customer Rewards
  • Automated Marketing

POS with Connect Pro

$289.00

flat rate, per month

Plan includes:

  • Unlimited Marketing Promotions
  • AI Enhanced Marketing
  • Google Review Booster
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SumUp Features

  • Popular features found in Payment Processing
    ACH Payment Processing
    Billing & Invoicing
    Debit/Credit Card Processing
    In-Person Payments
    Mobile Payments
    Multi-Currency
    Multiple Payment Options
    Payment Fraud Prevention
    Payment Gateway Integration
    PCI Compliance
    Recurring/Subscription Billing
    Reporting/Analytics
  • More features of SumUp
    Accounting
    Accounting Integration
    Activity Dashboard
    API
    Barcode Recognition
    Barcode/Ticket Scanning
    Campaign Analytics
    Campaign Management
    Campaign Planning
    Cash Management
    Client Portal
    Commission Management
    Communication Management
    Contactless NFC
    Coupons
    Credit Card Processing
    CRM
    Customer Accounts
    Customer Acquisition
    Customer Activity Tracking
    Customer Database
    Customer History
    Customer Profiles
    Customer Segmentation
    Customer Surveys
    Customizable Branding
    Customizable Invoices
    Customizable Reports
    Customizable Templates
    Dashboard
    Data Security
    Discount Management
    Document Management
    eCommerce Management
    Electronic Payments
    Electronic Signature
    Email Management
    Email Marketing
    Employee Management
    Engagement Tracking
    Feedback Management
    Financial Management
    For Small Businesses
    Gamification
    Gift Card Management
    Inventory Management
    Inventory Tracking
    Invoice Creation
    Invoice History
    Invoice Management
    Invoice Processing
    Loyalty Cards
    Loyalty Program
    Member Portal
    Membership Management
    Mobile Access
    Mobile Card Reader
    Multi-Campaign
    Multi-Channel Communication
    Multi-Channel Data Collection
    Multi-Channel Marketing
    Multi-Location
    Online Invoicing
    Online Payments
    Ordering Automation
    Order Management
    Payment Links
    Payment Processing
    Performance Metrics
    Point of Sale (POS)
    Promotions Management
    Purchase Order Management
    QR Codes
    Real-Time Data
    Real-Time Reporting
    Real-Time Updates
    Receipt Management
    Referral Tracking
    Reminders
    Reporting & Statistics
    Restaurant POS
    Retail Inventory Management
    Retail POS
    Returns Management
    Rewards Management
    Rewards Points
    Sales Order Management
    Sales Reports
    Sales Tax Management
    Sales Trend Analysis
    Self Service Portal
    SMS Marketing
    Social Promotion
    Stock Management
    Tax Calculation
    Third-Party Integrations
    Transaction History
    Transaction Monitoring

SumUp Integrations

Xero
Xero
QuickBooks Online
QuickBooks Online
FreeAgent
FreeAgent
Uber Eats
Uber Eats
Zapier
Zapier
Opsyte
Opsyte

See all 14 integrations

SumUp User Reviews

Overall Rating

4.5

Ratings Breakdown

5

69%

4

19%

3

6%

2

2%

1

4%

Secondary Ratings

Ease of Use

4.5

Value for money

4.3

Customer support

4.3

Functionality

4.4

EF

Emma F.

Verified reviewer

Luxury Goods & Jewelry

Self-Employed

Used monthly for less than 2 years

Review source

Reviewed November 2025

Excellent system and cost effective!

5

It’s still a fantastic system to use and really straight forward! I have started using the app too to help customers pay which has been great

Ratings Breakdown

5
Ease of use
5
Value for money
5
Customer support
5
Functionality
icon
Pros:
I like that it’s so easy to carry around and the charge lasts for ages! It’s a really useful tool to have as a small business and I also really like that there is not a monthly subscription.
Cons:
It’s high in processing fees unfortunately I think that’s the same for all pos systems which is just something I have to deal with.

Reasons for choosing SumUp

It was more affordable and had better reviews

Read More

AM

Anna M.

Verified reviewer

Design

Self-Employed

Used monthly for less than 2 years

Review source

Reviewed August 2025

Great tool for startups, fair pricing, easy to operate using mobile phone

5

Overall simple and intuitive, saves a lot of time because it works super well on mobile phones. Mamy functions available so overall great tool for small business or business that needs to accept simple payments or bookings.

Ratings Breakdown

5
Ease of use
5
Value for money
5
Customer support
5
Functionality
icon
Pros:
I think it’s a great tool, however when I was choosing one for me, it didn’t have option to not have any payment terminal. Now it has and I think it’s great tool, especially when most of the transaction you’re doing is using your mobile phone. Its simplicity and intuitiveness is a strong plus.
Cons:
I wasn’t sure if it had enough options for when my business will grow but for the beginning I think it’s great. I couldn’t find any form of integration with Klarna or Clearpay unfortunately.

Reasons for choosing SumUp

I think both are great, I use both but I think Square has kore options worth considered when growing business but at the same time, when you are a small or starting business the simpler solution might actually be better. I decided to set up Square because of integration with Clearpay

Read More

SD

Steph D.

Verified reviewer

Education Management

51-200 employees

Used weekly for less than 2 years

Review source

Reviewed July 2022

Love collecting points!

4

Previously 5

Ratings Breakdown

4
Ease of use
Previously 5
4
Customer support
Previously 5
4
Functionality
Previously 5
icon
Pros:
I enjoy collecting point for things I’m already buying!
Cons:
I wish there was a way to get points from the app. Some stores machines aren’t always in service to get my points.

Read More

PP

Perla P.

Verified reviewer

Food & Beverages

2-10 employees

Used daily for more than 2 years

Review source

Reviewed February 2025

A great program to use

5

It has been a very good experience. Cheap options to buy equipment and also easy to contact

Ratings Breakdown

5
Ease of use
5
Value for money
5
Customer support
5
Functionality
icon
Pros:
The thing i like the most is how easy it is to use and fees
Cons:
I did have a problem getting my card reader connected to a tablet but the customer service walked me through it

Reasons for switching to SumUp

Fees were cheaper than square and the card reader accepted tap and apple/google pay

Read More

KP

Katie P.

Verified reviewer

Design

Self-Employed

Used daily for more than 2 years

Review source

Reviewed November 2024

No Complaints, an effective product and service.

5

I've used SumUp in multiple businesses and often as a consumer. As a product and service, it's very fairly priced and makes card payment accessible to every business. I have no negatives, it is quick and easy to set up and tracking data and making notes on payments is simple.

Ratings Breakdown

5
Ease of use
5
Value for money
5
Functionality
icon
Pros:
It's simple to set up, simple to use, and the fees are very fair.
Cons:
Initially when first using the product, it was challenging to set up phones with the card reader, but later updates have made this much simpler.

Reasons for choosing SumUp

I can't quite remember but I think it was because of cost and ease of use.

Read More

RA

Rebecca A.

Verified reviewer

Hospitality

2-10 employees

Used daily for less than 12 months

Review source

Reviewed September 2025

Avoid. Much better options available

1

For the few first weeks I didn't have any issues. Then the system consistently would not work, causing lots of issues with my business including loss of income.

Ratings Breakdown

2
Ease of use
1
Value for money
1
Customer support
1
Functionality
icon
Pros:
The physical POS till system appears smart, unfortunately this is only surface level. The logo is simple and inoffensive.
Cons:
The system frequently drops and sales lost due to downtime. Customer service is awful. No way out of 12 month subscription, even when Sumup isn't upholding their side of the contract

Reasons for choosing SumUp

due to false advertising from Sumup - expecting better service overall

Read More

MM

Michael M.

Verified reviewer

Construction

2-10 employees

Used daily for less than 6 months

Review source

Reviewed March 2025

Beware of SumUp Bank – Unjustified Account Freezing and Disgusting Customer Service

1

I am beyond frustrated with SumUp Bank. They froze my business account without any explanation or warning. Since then, I’ve received zero clarity about why this happened, despite numerous attempts to contact them. They simply told me to “be patient and wait” while me and my business suffers. This is not just happening to me. It’s clear that SumUp Bank has done this to hundreds of other people, based on my research and reports I’ve seen online. They freeze accounts without warning, offer no explanation, and leave people struggling without access to their own money. This behavior is disgusting and disgraceful. I am unable to pay suppliers, buy materials, or run my business. The harm done to my reputation and the financial loss is devastating, and SumUp Bank’s refusal to provide any assistance is appalling. They are a completely unreliable and untrustworthy company. If you’re a business owner, stay far away from SumUp Bank. They clearly do not care about their customers, and they are unfit to handle your finances. Do not trust them with your money.

Ratings Breakdown

1
Ease of use
2
Value for money
1
Customer support
3
Functionality
icon
Pros:
The use of payment links was helpful until the froze my account
Cons:
The lack of customer service is awful and non existent

Reasons for choosing SumUp

Because I went with my gut but I was clearly wrong to do so

Read More

VR

Verified
Reviewer

Information Technology and Services

Self-Employed

Used monthly for more than 2 years

Review source

Reviewed February 2025

Acquired Debitoor and made it progressively worse

2

Ratings Breakdown

3
Ease of use
3
Value for money
3
Customer support
2
Functionality
icon
Pros:
- Integrated appointment booking function
Cons:
- Steady decline in quality of all the accounting functions after the acquisition of Debitoor - Removed integration with other banks except than their own business account - Terrible UI usability, with frequent bugs - Recent removal of the integration with ELSTER, making it useless for accounting

Reasons for choosing SumUp

At the time, when the accounting part was still independent (Debitoor), it was an easier, more usable, accounting software for small businesses

Read More

SF

Stuart F.

Verified reviewer

Apparel & Fashion

2-10 employees

Used daily for less than 6 months

Review source

Reviewed March 2025

Worst support of my life.

1

Having worked in IT I have experienced some terrible support but SumUp really wins hands down. After signing up over a month ago with the paid plan, we are still waiting for things to be started and we are unable to use the system we were promised by pre-support. There is NO phone sales even though we were told we could take them and their website states different. No support response now in over 10 days. Ridiculous. If you are a small business, please don't choose SumUp.

Ratings Breakdown

3
Ease of use
2
Value for money
1
Customer support
2
Functionality
icon
Pros:
Everything they promised but could not deliver.
Cons:
The support and the lies. Waiting times, everything!

Reasons for choosing SumUp

Mainly the cost and processing fees. And promises which they could not keep.

Reasons for switching to SumUp

Looking for cheaper, which is not always better...

Read More

RM

Robert M.

Verified reviewer

Alternative Medicine

2-10 employees

Used daily for less than 6 months

Review source

Reviewed March 2025

WHY DID I BOTHER

1

frustrating, upsetting for my staff and customers and becoming increasingly costly to my business. After many virtual chats with artificial intelligence you will receive a human written email telling you to turn it off and on again. the returns policy is 30 days but you'll be lucky if you get anywhere with support by then. DO NOT BUY!!!

Ratings Breakdown

1
Ease of use
1
Functionality
icon
Pros:
nothing, DO NOT BUY!!! (had to give one star as it won't let me leave a no star review)
Cons:
its vast failings and constant glitches, receipt's fail to print, the till draw fails to open, the card reader stops responding. the support is less than very poor at best! DO NOT BUY POS Lite, Star M-pop, and solo card reader as they don't work reliably together.

Reasons for choosing SumUp

it seemed to be in wide use within the retail industry

Read More

Showing 1 - 10 of 1468 Reviews

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