• Software Categories
    View All
  • Company
    About UsVendors

    • Get 1-on-1 advice in 15 minutes. It's free.

    Start Now
    Advisor's headshot
Software Advice Logo
Home

/

Payment Processing Software

/

SumUp

Software Advice offers objective insights based on verified user reviews and independent product and market research. When our advisors match you to a software provider, we may earn a referral fee.
Overview
ReviewsAlternatives
SumUp

SumUp 2026: Benefits, Features & Pricing

On this page
  • Overview
  • User Interface
  • Pros and Cons
  • Popular Alternatives
  • Pricing and Plans
  • Features
  • Integrations
  • User Reviews
  • Popular Comparisons

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.

Wondering if SumUp is right for your organization?

Our Payment Processing Software selection experts can help you in 15 minutes or less.

Software Advice Logo

SumUp User Interface

0
0
1
2
3

SumUp Pros and Cons

We analyzed 1,468 verified reviews for SumUp to find out what actual users really think.

Select to learn more

Intuitive And Simple Operation

Using SumUp is straightforward for both businesses and customers. The setup process is quick, and the system is easy to navigate with minimal instructions. Users consistently mention that the platform is self-explanatory, making daily tasks and transactions hassle-free.

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
Advisor Get Price CTA Image

Confused about pricing? We've got you covered.

Get a personalized pricing breakdown tailored to your specific needs—no guesswork, no generic estimates.

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

CD
Cassandra D.

Verified reviewer

Publishing

Self-Employed

Used monthly for more than 2 years

Review source

Reviewed December 2024

Easy way to take card payments

5

Ratings Breakdown

5
Ease of use
5
Value for money
5
Functionality
icon
Pros:
It's easy to use. the app is straightforward and connecting the card machine is simple. If you have a new enough mobile phone, you don't even need the card machine as you can just use your phone for tap to pay.
Cons:
I don't really have any negatives. Of course everyone would want the fees to be less and the money to get to your account quicker but it does what I need it to do with no monthly fees or equipment rental etc.

Reasons for choosing SumUp

Sum Up seemed easier to use, the fees were good, the card reader was cheaper and the set up process was easy.

Reasons for switching to SumUp

We wanted something easy to use and while both were easy to set up, Sum Up was cheaper on fees and had more features.

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

DK
Denise K.

Verified reviewer

Food & Beverages

2-10 employees

Used daily for less than 2 years

Review source

Reviewed August 2024

SumUp for your business

5

All good never had any problems the support team very helpful

Ratings Breakdown

5
Ease of use
5
Value for money
5
Customer support
5
Functionality
icon
Pros:
Easy to use monies paid quickly to bank
Cons:
Sometimes print of receipt not always works

Reasons for switching to SumUp

Because other machine broke and thought I would try something new

Read More

BH
Billy H.

Verified reviewer

Sports

2-10 employees

Used daily for less than 2 years

Review source

Reviewed April 2025

Decent tbh

5

Ratings Breakdown

5
Ease of use
3
Value for money
5
Customer support
4
Functionality
icon
Pros:
[sensitive content hidden] was chill with me and helpful! Its simplicity and ease of use. The setup process was quick, and the interface was very intuitive — even for team members who aren’t tech-savvy. I also appreciated the transparency in pricing and the lack of hidden fees, which made it easier to manage our small business finances.
Cons:
I found the transaction fees to be a bit on the higher side compared to some other options. For small businesses like myself with a high volume of low-cost transactions, those fees can add up quickly.

Read More

CR
Chloe R.

Verified reviewer

Cosmetics

Self-Employed

Used daily for less than 2 years

Review source

Reviewed February 2025

Sum up user for life!!

5

Really get along with this app and it’s a staple in my business. My clients love it because it’s so easy and I equally love it.

Ratings Breakdown

5
Ease of use
4
Value for money
4
Customer support
4
Functionality
icon
Pros:
Absolutely love sum up! The layout of the app, the pay by phone method, the low fees, the payment links you can send out. I just love everything!
Cons:
The only negative thing I’d say is it can sometimes be a little slow to connect when trying to charge a client or when trying to send over a payment link.

Read More

RW
Rhiannon W.

Verified reviewer

Child Day Care Services

Self-Employed

Used daily for more than 2 years

Review source

Reviewed March 2025

Straight forward to use and perfect for small businesses

5

Really simple and pleasant to use for my snall mobile business.

Ratings Breakdown

5
Ease of use
5
Value for money
5
Customer support
5
Functionality
icon
Pros:
I love that sum uo os perfect for snall business and mobile too!
Cons:
I can't find a fault with sum up so far.

Read More

HJ
Hollie J.

Verified reviewer

Hospitality

10000+ employees

Used daily for more than 2 years

Review source

Reviewed December 2024

Sump up review

4

Quick and simple, however can often experience internet connection issues and problems when paying with AMEX

Ratings Breakdown

5
Ease of use
4
Value for money
4
Customer support
4
Functionality
icon
Pros:
Speed of transactions and ability to quickly access back of house transactions
Cons:
Internet issues and issues when guest are trying to pay with AMEX

Read More

SP
Stacey P.

Verified reviewer

Construction

2-10 employees

Used daily for more than 2 years

Review source

Reviewed November 2024

Sum up review

4

Generally pretty good when it works straight away

Ratings Breakdown

5
Ease of use
3
Value for money
4
Customer support
4
Functionality
icon
Pros:
Its so easy to take payment from customers whilst out on site.
Cons:
Can be temperamental, sometimes there's a delay in getting it started

Read More

RR
Rishi Singh R.

Verified reviewer

Hospitality

11-50 employees

Used daily for less than 6 months

Review source

Reviewed April 2025

Overall a good software

5

Ratings Breakdown

5
Ease of use
5
Value for money
1
Customer support
5
Functionality
icon
Pros:
Sumup allows graphical interaction with the software which makes it easier for me to operate.
Cons:
Sometimes the tabs just get messed up and makes it confusing but the rest is totally good.

Read More

Showing 1 - 10 of 1468 Reviews
See All Reviews

SumUp Popular Comparisons

PayPal
PayPal vs SumUp
Venmo
Venmo vs SumUp
Stripe
Stripe vs SumUp
Square Payments
Square Payments vs SumUp
Compare All Alternatives

Other Top Recommended Payment Processing Software

PayPal
PayPal

4.6 (26224)

Recently recommended 0 times

QuickBooks Enterprise
QuickBooks Enterprise

4.5 (20605)

Recently recommended 0 times

Venmo
Venmo

4.7 (9266)

Recently recommended 0 times

QuickBooks Online
QuickBooks Online

4.3 (8366)

Recently recommended 0 times

Advisor Get Price CTA Image

Stuck Between Options?

Our experts can help you compare SumUp with other top options, so you can find the best fit for your needs.

See what companies are saying about Software Advice