SumUp
Card payments, POS, and business tools for small merchants
About SumUp
SumUp is a global fintech company offering affordable card readers, point-of-sale systems, invoicing, online stores, and a business account for small merchants. Founded in 2012 and headquartered in London, it serves millions of businesses across 36+ countries with transparent transaction-based pricing and no monthly fees on its core plans.
Pros & Cons
Pros
- No monthly fees on the Pay As You Go plan — pay only per transaction
- Low upfront hardware cost with affordable card readers (Solo, Air)
- All-in-one ecosystem covering payments, invoicing, online store, and business banking
- Quick signup with no long-term contracts
- Works across 36+ countries with strong European coverage
Cons
- Transaction fees can add up for high-volume merchants compared to negotiated processor rates
- Limited integrations with third-party accounting and e-commerce platforms compared to Square or Stripe
- Customer support historically criticized as slow during disputes
- POS Pro features less mature than dedicated restaurant POS systems
Key Features
SumUp Card Readers
Hardware lineup including Solo, Air, and Solo Lite readers that accept chip, contactless, Apple Pay, and Google Pay via Bluetooth or Wi-Fi connection.
Point of Sale (POS Lite & Pro)
From a free mobile POS app to full POS Pro systems with touchscreen terminals, receipt printers, and inventory management.
Virtual Terminal
Accept phone and MOTO payments from any browser without hardware by manually entering card details.
Invoices
Create, send, and track professional invoices that customers can pay online with a card.
Payment Links
Generate shareable payment links to collect money via email, SMS, WhatsApp, or social media.
Online Store
Build a simple e-commerce storefront with product listings, checkout, and shipping in minutes.
SumUp Business Account
Free digital business account with Mastercard and instant payouts from card sales.
Gift Cards & Tap to Pay
Sell branded gift cards and accept contactless payments directly on iPhone or Android without extra hardware.
Pricing
- No monthly fees
- 1.69% per in-person card transaction
- 2.5% for remote/invoice payments
- Free SumUp app and business account
- Next-business-day payouts
- Reduced in-person rate (0.99%)
- Unlimited invoices and payment links
- Free next-day payouts
- Priority customer support
- Discount on card reader hardware
- Full POS Pro hardware bundle
- Inventory and staff management
- Table and order management for hospitality
- Advanced sales reporting
- Dedicated onboarding
Best For
Mobile and Market Traders
Portable card readers let food trucks, market stalls, and tradespeople accept card payments anywhere with just a phone.
Small Retail Shops
Affordable POS hardware and inventory tools suit independent boutiques and convenience stores that want a complete checkout system without monthly software costs.
Freelancers and Service Providers
Send branded invoices and payment links to collect payment from clients without needing a merchant account.
Cafes and Small Hospitality
POS Lite and Pro handle table management, split bills, and menu modifiers for small restaurants and coffee shops.
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