SumUp
Card readers, Tap to Pay, POS and a business account for small sellers, with no monthly fee by default.
Updated · AppBreakup editorial · iOS, Android, Web
Is SumUp free?
No, it's a paid product
- UK subscription:
- Payments Plus, £19/month
Checked on SumUp's site Nov 8, 2026
1 alternative with a free optionSwitch from SumUp to
All 5
Square POSCompareStarting price: $49/month per location (Square Plus)
CloverStarting price: $16/month for 36 months or $349 upfront (Basic retail system)
- Verified facts
- 4 of 4
- Alternatives ranked
- 5
- Approved reviews
- 0
- Visits sent from here
- 0
About SumUp
SumUp is a payments company for small businesses that started with low-cost card readers and now sells a wider toolkit. Sellers can take card payments with a SumUp reader or with Tap to Pay on a phone, and add POS software, payment links, invoices, an online store, gift cards and a free business account with a debit card. The default plan is pay-as-you-go: no monthly fee, a percentage per transaction, and the hardware bought outright rather than rented. Higher-volume sellers can switch to a subscription with lower transaction rates. Payouts can arrive the next day when they go to the SumUp business account. It is widely used by market traders, cafés, hairdressers and other sole traders across Europe, the UK, the US and Latin America; pricing and products vary by country. Restaurants and larger shops needing table management or deep inventory often outgrow it and move to fuller POS systems.
Best for: Sole traders and small shops that want cheap card readers and no monthly fees.
SumUp pricing (checked Nov 8, 2026)
Each line is quoted from SumUp's own site, with the page it came from.
| Plan or term | What it says | Checked | Source |
|---|---|---|---|
| UK subscription | Payments Plus, £19/month | Nov 8, 2026 | sumup.com |
Pros and cons
What works
- No monthly fee on the pay-as-you-go plan
- Card readers are bought once, not rented
- Free business account with next-day payouts
Why people leave
- Pricing and products differ by country
- POS features are lighter than restaurant-focused systems
- Lower rates require a monthly subscription
SumUp vs Square POS, PayPal Point of Sale (Zettle) and Clover
From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.
| Attribute | SumUp | Square POS | PayPal Point of Sale (Zettle) | Clover |
|---|---|---|---|---|
| Pricing | Paid | Free plan + paid | Paid | Paid |
| Verified price | Payments Plus, £19/month | $49/month per location (Square Plus) | — | $16/month for 36 months or $349 upfront (Basic retail system) |
| Free plan | No | Yes, Square Free at $0/month | No | No |
| Open source | No | No | No | No |
| Self-hostable | No | No | No | No |
| Platforms | iOS, Android, Web | iOS, Android, Web | iOS, Android, Web | Android, iOS, Web |
Top SumUp alternatives
See all 5- 1Square POS68.8
Free POS software with deeper inventory and staff tools, strongest in the US.
- 2PayPal Point of Sale (Zettle)64.8
Similar low-cost reader and app, with funds landing in a PayPal Business account.
- 3Clover61.8
Countertop terminals and richer POS for shops that are outgrowing a phone and reader.
- 4
Toast57.2Restaurant-specific POS with table service, kitchen screens and online ordering.
- 5
Shopify50.0Shopify POS links a card reader to your online store, so in-person and web sales share one stock list.
Why people left SumUp
In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.
No switching stories yet. If you moved away from SumUp, review the app you switched to and tell us why.
Reviews
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SumUp: common questions
What is SumUp?
SumUp: Card readers, Tap to Pay, POS and a business account for small sellers, with no monthly fee by default. Best for sole traders and small shops that want cheap card readers and no monthly fees. Available for iOS, Android and Web.
Is SumUp free?
No, SumUp is a paid product.
How much does SumUp cost?
SumUp is a paid product. UK subscription: Payments Plus, £19/month. Checked on SumUp's own site, November 2026.
Is SumUp open source?
No, SumUp is not open source.
What platforms does SumUp run on?
SumUp is available for iOS, Android and Web.
What are the best alternatives to SumUp?
The highest-ranked SumUp alternatives right now are Square POS, PayPal Point of Sale (Zettle) and Clover. See the full ranked list for pricing, platforms and verified facts.
SumUp vs Square POS: what's the difference?
SumUp is a paid product; Square POS is free with paid plans. Verified prices: SumUp Payments Plus, £19/month, Square POS $49/month per location (Square Plus). Both run on iOS, Android and Web.