SumUp vs. Square: Which Is Right for Your Business?

SumUp as well as Square both offer hardware software, as well as payment processing to let small-sized businesses accept payment in-person, via invoices, and even by phone.

Both companies provide low-cost hardware and payment processing options that are ideal for small-sized companies, Square’s more extensive set of features will better serve expanding companies as their requirements evolve, which makes it the ideal option for entrepreneurs who are just starting out. But SumUp’s easy users interface as well as low processing fees make it a viable choice for businesses who value making sure that costs are as low as possible, while also being able to access support services.

Factors to consider

HardwareGood. SumUp offers more affordable alternatives than Square and has three compact handheld devices available which include two that have an unlocked cellular connection. But no more expensive options such as a touch-screen terminal are available.Excellent. The options include two cheap card readers that can be used with phones or a portable handheld device that has a built-in printer and stand that can be used for tablets and a register that has an enormous touch screen.
Pricing of hardwareExcellent. $19-$99.Excellent. Free to $799.
SoftwareOK. The app’s catalog of items offers a basic, similar experience to a POS. The tools for reporting are limited.Excellent. Point-of-sale solutions for specific industries such as restaurants and retail stores in addition to the regular point-of-sale system.
Pricing of softwareExcellent. There aren’t any contracts or monthly charges to use SumUp.Excellent. Square does not require long-term contracts and also has a great gratis version of the POS system, as well as paid versions.
Payment processing pricing2.75 percent for transactions in person.2.90% plus 15 cents for online transactions.3.25 15% plus 15 cents for manually entered or linked to payment.2.6 percent plus 10 cents for transactions in person (2.5 percent plus 10 cents for the Retail Plus program).2.9 percent plus 30 cents for online transactions and invoices that do not have having a credit card in the file (2.6 percent plus 30 cents for premium plan).3.5 15% plus 15 cents for manually entered transactions or for invoices that are filed with the card.
Add-on features availableN/A. SumUp is not yet able to offer additional services.Excellent. Customer loyalty program and payroll, digital marketing as well as team leadership.
Customer serviceGood. Telephone support is available Monday through Friday 9 a.m. until 7 p.m. ET.Excellent. Phone support available 24/7 for paid plans. Support is available from Monday to Friday, from 6 a.m. until 6:30 p.m. PT for free plan.

The reason Square is the better option?

Can accommodate complex requirements

Square is a platform that is capable of supporting small and medium-sized enterprises, whereas SumUp is primarily focused on micro businesses, young entrepreneurs, and freelancers.

For companies that require features like fully functional POS systems and large touch-screen display screens as well as sophisticated reporting tools marketing programs for customers or customer loyalty assistance, Square is clearly the most suitable choice.

Provides powerful tools for free

Square’s standard POS system is free of monthly cost and doesn’t need the signing of a contract. Although SumUp has revealed plans to launch an POS system, the one offered by Square is widely used for a long time. It is able to handle the tasks that SumUp cannot, such as bar-code scanning, alerts for low stock as well as the free online store as well as time tracking for employees. Square also provides Tap to Pay for iPhone which allows merchants to accept credit card payments with just an ordinary iPhone using the Square POS application. Customers place their credit cards or their personal iPhone wallets in front of the phone of the merchant to make a payment.

There’s plenty of room for growth

Square’s modular pricing system means that businesses that don’t require a lot of extra features right now can easily expand their offerings in the future in the event that their needs shift.

In addition to its affordable hardware, the company also provides touch-screen terminals as well as mobile devices that come with printers. SumUp does not offer the higher-end equipment that you could require in the near future.

What are the reasons to consider SumUp instead

Card readers don’t have to be connected to your mobile phone.

Both companies offer affordable all-in-one card readers which can work using no devices at all. However, SumUp’s all-in-one readers include they are the Pro as well as the Solo are less bulky and compact than Square Terminal and are more affordable, too.

In addition, although Square Terminal isn’t a requirement, Square Terminal doesn’t require a personal device, it requires a Wi-Fi network. If you operate an mobile business, such as a food stand or farm truck, you’ll have to find the best way for connecting to the web. SumUp can solve this issue since it’s Pro and Solo can be used anywhere and connect directly to cell networks, without any additional devices or Wi-Fi. This can be a major benefit for companies which travel.

Invoicing is simple and affordable.

SumUp will save you 15 cents on each online transaction using SumUp in comparison to Square for customers who pay for an invoice. It’s not much, but it’s less expensive. On the other hand you can view the history of transactions with each client, monitor outstanding payments and determine if customers have opened the email that you sent them.

Other options that are low-cost to think about

Zettle Zettle: A different option for a low cost with the POS system that is free


  • 2.29 percent plus 9 cents for in-person transactions and QR transactions using QR codes.
  • 3.49 percent + 9 cents per transaction for manual entry transactions on credit cards.
  • 3.49 percent plus 49 cents for invoice transactions.

We like it Similar to the SumUp Pro reader Zettle’s basic device resembles an old phonewith a numeric keypad beneath the screen is a tiny one. If your typical transaction is $20 or more it will save you money when you use Zettle as opposed to SumUp. Zettle also has an application-based POS system that can be run on your personal device, or use hardware provided by Zettle.

Stripe: More personalization


  • 2.9% plus 30 cents for online transactions.
  • 2.7 percent plus 5 cents for transactions in person.
  • 3.4 30 cents plus 3.4 for transactions that are manually entered.
  • 3.9 percent plus 30 cents on international cards or the conversion of currency.

What we like about it We like it because: Although SumUp has been designed to function from the beginning, Stripe gives you the possibility of customizing your system. If you’ve got the technical know-how or would like to hire someone with it Stripe’s $59 card readers and low processing costs are a good option for custom-built systems.

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