SumUp Review 2024: Features, Pricing & More

To determine SumUp’s ranking, Forbes Advisor compared over a dozen payment processor companies. Our ranking is based on a number of different factors including the price, whether the company can offer features such as a free version, the ability to accept mobile payments, a specific restaurant POS, software integrations and more. Here’s how we’ve ranked SumUp’s features:

Free version	No
Pricing plans	Cheap
Restaurant POS	Yes
Software integrations available	Yes
Built-in payment processing	Yes
Mobile payments	Yes

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Featured Partner

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1

Clover

Price starts at

$14.95 per month (plus hardware)

Free trial

90 days

Key features

Versatile POS, invoicing, employee management

1

Clover

Learn More

On Clover's Website

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 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.

Pros

SumUp offers hardware for as little as $35, making it easy for new business owners to start accepting credit card payments from their customers.

One of the biggest benefits of SumUp is that the pricing structure is transparent for the mobile POS and the product is easy to use. There are no monthly account fees or minimum fees an account holder is required to pay. The transaction fee structure is also transparent.

Cons

Merchants must apply separately for a virtual terminal that allows them to process payments remotely. This policy differs from one of SumUp’s top competitors, Square, where you are able to process a remote payment automatically once you set up an account.

SumUp does not accept high-risk merchants. Its customer service can be slow and phone support is only available Monday through Friday from 9 a.m. to 7 p.m.

1. SumUp Pricing and Plans

There are two costs associated with SumUp. The first is the transaction fee, which you pay for each transaction, and the second is a one-time cost for the physical device. The in-person transaction fees are 2.75%. When a customer pays remotely, such as over the phone or through a payment link, the transaction fees are 3.25% plus 15 cents. For payments received when you send a customer an invoice online, you’ll pay 2.90% plus 15 cents. There is no monthly subscription fee for SumUp.

SumUp offers several different card readers. All of them are portable and allow you to perform multiple functions, from creating catalogs to tracking transactions. Here’s how the pricing for each device breaks down.

Card Reader	Cost	Features
SumUp Plus	$39	Processes more than 500 transactions in one battery charge. Connects to your device via Bluetooth.
SumUp Plus Cradle Bundle	$49	Cradle allows you to display the device to customers easily. You can also remove the device easily when you are on the go. Connects to your device via Bluetooth.
SumUp Solo	$129	In addition to Bluetooth, the device works with Wi-Fi and free, unlimited mobile data with a built-in SIM card.
SumUp Solo Printer Bundle	$199	Includes SumUp Solo Card Reader and pocket-sized receipt printer, which doubles as a battery pack for the card reader.

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2. Ease of Use

SumUp’s hardware is designed to be intuitive and easy to use. It is easy to set up and once your account is approved, you can start accepting payments right away. The pricing of hardware and transaction fees is transparent, making it easy to manage accounting and expenses. There are also multiple affordable hardware options to choose from that do not require custom pricing.

3. Security

All data processed on SumUp’s server is encrypted as well as transferred to SumUp’s secure payment server. The company does not store any sensitive information on mobile devices including smartphones, tablets and card readers.

SumUp complies with the following security standards:

• PCI-DSS (Payment Card Industry Data Security Standard) – A standard for the credit card industry for data transfer and storage.
• SSL (Secure Sockets Layer) and TLS (Transport Layer Security) – Encryption protocols that protect the information transmitted over the internet. SumUp uses 256-bit encryption, the standard level for software companies processing sensitive data.
• PGP (Pretty Good Privacy) – An international encryption program used for transmitting information online.

4. Customer Service and Support

If you are the kind of person who prefers to speak over the phone when you need customer support, you might find the hours limiting as phone support is only available Monday through Friday from 9 a.m. to 7 p.m. There is also the option to receive support via email or to find the information you need on the company’s online support center.

5. Additional Features

SumUp has recently begun offering the option of opening a SumUp business online account. For account holders, this will allow you to have your payments directly deposited into your SumUp bank account and manage them through the SumUp mobile app. You will also receive a Mastercard within two to three days of opening your account. SumUp does not require a minimum balance and does not have an overdraft fee.

	SumUp	Clover	Square
Rating
Starting Price (per Month)	$0	$14.95	$0
Hardware Included	No	No	Yes
Cost for Hardware	Cost ranges from $39 to $199	Cost ranges from $49 to $1,799	First card reader is free (additional card readers are $10); Terminals start at $299
Free Trial	30 days	30 days	30 days
In-Person Transaction Fee	2.75%	2.7% plus 10 cents	2.5% plus 10 cents
Chargeback Fees	$10, with option to dispute	$25	None
Learn More	Via partner site	On Clover’s Website	Via partner site
Read Reviews	–	Read Clover Review	Read Square Review

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SumUp vs. Clover

While SumUp does not charge a monthly subscription, Clover’s subscription fee starts at $9.95. In general, Clover’s hardware and software are more expensive than SumUp’s, but it may be a better fit for large companies, especially restaurants. Clover’s fees are also lower than SumUp’s for charges over $200.

SumUp vs. Square

Neither SumUp nor Square charge a monthly subscription fee for their service. For small businesses, both options are competitive. Square’s first card reader is free while terminals start at $299. However, Square’s free card reader may be too basic for some business owners, so it is worth considering SumUp’s options, which start at $35. The lowest transaction fee for you will depend on the average amount of individual transactions. Square has the lowest transaction fee in general, but SumUp’s fees are lower than Square for transactions below $40. SumUp may be a better choice for small business owners whose average transactions don’t exceed $40.

SumUp’s payment processors are designed for businesses that need to charge their customers. While the company originally focused on mobile payment processors, it now offers more robust hardware for retail stores. SumUp’s standard mobile products are ideal for businesses that transact less than $150,000 per year with an average ticket price of less than $20. If you transact more than this, SumUp recommends reaching out to its team for a customized package.