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SumUp

SumUp

Smart payment solutions designed for business growth and simplicity.

#2 dans Point of Sale
2 min read · Updated 10/5/2025
SumUp homepage screenshot

At a glance

Quick overview for SumUp: rating, pricing summary, key features, and highlights.

Ciroapp review

4.1
Simple payments meet growth tools.

We find SumUp offers a compelling package for small businesses seeking transparent pricing and robust POS tools starting at $99/month. While users consistently praise the intuitive interface and affordable transaction fees, we observed significant recurring concerns regarding hardware reliability and slow customer support response times. Overall, SumUp is a powerful, low-cost solution best suited for users who value simplicity and can tolerate occasional technical glitches.

Pros

  • Pro:Highly user-friendly app and intuitive interface for easy tracking.
  • Pro:Transparent pricing with competitive in-person transaction fees (2.6% + 10¢).
  • Pro:Next-day payouts boost cash flow efficiency.
  • Pro:Comprehensive POS plans include dedicated installation and training.

Cons

  • Con:Customer service is often reported as slow, unhelpful, or inaccessible.
  • Con:Mobile/tap-to-pay functions sometimes prove unreliable or slow.
  • Con:Connectivity issues reported with card readers and WiFi stability.
  • Con:Some users felt surprised by unannounced changes to pricing or features.
Money-back guarantee
Yes — 30 days
Range: $99–$289/monthMonthly subscription, Usage-based pricing
This section is a summary. Detailed sections about features, use cases, pricing, and reviews follow below.
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SumUp review, pricing, features, pros & cons

Dealing with complex payment systems can slow down your business growth. If you are tired of confusing fees and rigid contracts, SumUp is here to help. This platform provides smart POS systems and card readers, making it easy to accept payments anywhere and manage your money efficiently.

✨

What is SumUp?

SumUp provides comprehensive payment solutions including Card Readers and POS Systems. This integrated ecosystem is designed to help you run your entire business smoothly. It manages everything from processing orders to full customer acquisition. Over 4 million businesses worldwide have already chosen SumUp to be their partner 💡.

You can select products based on your specific needs, including powerful POS tools, Card Readers, and Invoicing capabilities. The platform serves a wide range of entrepreneurs, from coffee shops and fast casual restaurants to barber shops and clothing boutiques. Simply download the free SumUp App to access these business solutions quickly.

SumUp Key Features

✨ Seamless Card Acceptance

Accepting payments should be quick and highly reliable. SumUp provides smart POS systems and dedicated Card Readers to process transactions easily. This comprehensive ecosystem ensures a stress-free and seamless checkout experience for your customers.

You can use the system whether the card is present or not. It handles standard in-person transactions where the card is tapped or dipped. The system also supports online sales and payments requiring manual entry when needed. No matter the method, you can take payments anywhere, anytime.

✨ Robust Business Management Tools

Use specialized POS tools to run your entire business smoothly every day. SumUp helps you manage everything from processing customer orders to handling financial oversight. These tools support the unique needs of many business types, including barber shops, coffee shops, and clothing boutiques.

Beyond payment processing, the system is cloud-based, offering powerful daily functionality. You can manage your product data and run your register from a smart system. Businesses can also explore related products that enhance operations, such as the SumUp Connect Kiosk.

✨ Next-Day Payouts and Financial Control

Manage your money effectively with built-in financial tools that support your cash flow. SumUp provides a Business Account that lets you spend, save, and manage your incoming revenue. This feature gives you better visibility over your working capital.

You can receive crucial next-day payouts when you use your associated SumUp merchant account. The platform also offers an intuitive invoicing tool. Sending invoices is free, and you only pay a transaction fee if the customer pays via the online SumUp link.

✨ Powerful Customer Reach and Rewards 🎯

Build lasting loyalty and enhance your overall customer experience. SumUp lets you offer dedicated rewards that incentivize both first-time visitors and dedicated regulars. The Fivestars App allows customers to easily discover your business and access their savings directly from their phones.

For growing businesses, specialized marketing tools are available within the Connect plans. These tools focus on maximizing your reach and driving repeat sales. Features available include:

✨ Easy Setup and Mobile Accessibility

SumUp ensures getting set up is simple and minimizes any disruption to your business. Cloud-based POS tools and centralized data management mean less hassle for you. Dedicated installation and training staff are provided to ensure your new system runs smoothly immediately.

Simplicity extends to how you access your account daily. You can download the free SumUp App to your device right away. This single app gives you instant access to countless possibilities for managing your business solutions on the go.

Use Cases

💳 Taking Payments on the Go

Many mobile businesses, like food trucks or freelance services, need flexible payment options. SumUp Card Readers and the free App let you accept payments anywhere, not just at a fixed counter. You can process secure, in-person transactions using chip, tap, or swipe methods. This ensures you never miss a sale because you can accept cards immediately.

Expected outcome: Increased sales volume due to expanded payment flexibility.

💡 Managing Daily Operations for Your Shop

Running a busy store, like a boutique or pet store, requires streamlined management tools. The SumUp Cloud-based POS system handles order processing efficiently, keeping checkout simple and fast. It includes a foundational Customer Database to help you track shopper trends and preferences. This integration reduces complexity so you can focus on serving your customers.

Tip: Use the dedicated installation and training included with every plan to get your staff comfortable quickly.

✨ Boosting Customer Loyalty and Retention

Problem: You want to convert one-time visitors into loyal, repeat customers. Approach: Implement a POS plan (like Connect Plus or Pro) that includes customer rewards and automated marketing tools. These features utilize the Fivestars App to incentivize regulars and first-time guests with automatic savings.

Outcome: Automated engine to drive traffic; your customers find rewards right on their phone.

💰 Achieving Speedy Cash Flow

You need access to your funds quickly to manage inventory and payroll requirements effectively. By using your associated SumUp merchant account and Business Account, you unlock next-day payouts. This means money from your sales is deposited into your registered account fast.

Transparent pricing, without minimum processing requirements, helps you manage your finances predictably.

✉️ Billing Customers Remotely or Online

Sometimes you need to bill a customer after a service is complete or manually enter payment details. SumUp allows you to send invoices to customers for free directly through the platform. If the customer pays via the online SumUp link, a competitive transaction fee applies.

For situations requiring manual entry or online billing where the card is not present, the rate is 3.5% + 15¢.

🚀 Maximizing Business Growth with Advanced Tools (Connect Pro)

If you are focusing heavily on expansion, the Connect Pro plan provides powerful marketing leverage. This tier offers unlimited marketing promotions via email and SMS daily. These are often AI-enhanced features designed to maximize customer reach and sales outcomes.

Additionally, the plan includes a Google Review boost, actively helping you build a positive online reputation.

Pricing Overview for SumUp

Pricing range
$99–$289/month
Pricing types
Monthly subscription, Usage-based pricing
Money-back guarantee
Yes — 30 days

SumUp offers three monthly POS subscription plans ranging from $99/month to $289/month, alongside transparent transaction fees based on the payment method used. You will never pay monthly minimums or undisclosed hidden fees.

Plans & Pricing

POS with Connect Lite

Monthly$99
  • Standard POS software
  • Cloud-based POS
  • Customer Database
  • Dedicated installation and training
Book a Demo

POS with Connect Plus

Monthly$199
  • Money Back Guarantee*
  • Cloud-based POS
  • Customer Database
  • Dedicated installation and training
  • Customer rewards and automated marketing
  • Two standard SMS and email promotions per month
Book a Demo

POS with Connect Pro

Monthly$289
  • Money Back Guarantee*
  • Cloud-based POS
  • Customer Database
  • Dedicated installation and training
  • Customer rewards and automated marketing
  • Daily AI enhanced SMS and email promotions
  • Google review boost
Book a Demo

SumUp offers POS solutions ranging from $99/month to $289/month, with three structured plans: POS with Connect Lite at $99/month, POS with Connect Plus at $199/month, and POS with Connect Pro at $289/month.

We want to help guide you to the right system for your business and budget. Here is a detailed comparison of the monthly subscription tiers available.

POS with Connect Lite

Price: $99/month Websites Supported: Not explicitly stated Best For: Starting a business and streamlining operations Refund Policy: Not explicitly stated Other Features:

  • Cloud-based POS
  • Customer Database
  • Dedicated installation and training
  • Standard POS software

This is the perfect starting place if you need essential POS software and robust support to get your new business running smoothly. The Lite plan focuses on functionality and ease of use, ensuring you can manage transactions immediately. 🚀

POS with Connect Plus

Price: $199/month Websites Supported: Not explicitly stated Best For: Businesses ready to grow volume and customer retention Refund Policy: Money Back Guarantee* Other Features:

  • Everything in Connect Lite
  • Customer rewards and automated marketing
  • Two standard SMS and email promotions per month

Connect Plus is ideal when you are focused on increasing customer loyalty and driving repeat business. With automated marketing tools and rewards, you can engage your current audience effectively. This plan includes a Money Back Guarantee for peace of mind.

POS with Connect Pro

Price: $289/month Websites Supported: Not explicitly stated Best For: Businesses serious about growth marketing and maximizing reach Refund Policy: Money Back Guarantee* Other Features:

  • Everything in Connect Plus
  • UNLIMITED marketing promotions
  • Daily AI enhanced SMS and email promotions
  • Google Review boost

If marketing and maximum customer engagement are your top priorities, Connect Pro delivers unlimited growth tools. The AI-enhanced daily promotions and Google review boost are designed to maximize your visibility and sales outcomes. This tier also includes the Money Back Guarantee.

Remember that in addition to the monthly subscription, SumUp maintains a transparent, low-cost structure for processing payments. For in-person transactions where a customer taps, dips, or swipes, the fee is 2.6% + 10¢. For payments made online, via payment links, or if you manually enter card details, the fee is 3.5% + 15¢. If you use SumUp’s convenient invoicing tool—which is free to send—you pay 2.9% + 15¢ when a customer pays using the online link. We also offer a 30-day money-back guarantee, counted from the date of delivery, on products labeled with the guarantee.

User Reviews

SumUp earns high marks from most users, who consistently praise the platform's ease of use and intuitive interface. Users find the app simple to navigate, making transaction tracking and sending receipts hassle-free.

The transparent pricing and affordable transaction fees, especially the 2.6% + 10¢ for in-person sales, are seen as exceptional value for small businesses and sole traders. Features like payment links and next-day payouts support efficient operations.

However, service reliability and customer support are frequent concerns 🙁. Users report that card readers and the phone's tap-to-pay function can be unreliable or slow, leading to lost sales at key events.

Furthermore, obtaining timely and helpful support is often difficult, with many reviewers describing customer service as "terrible" or "shocking," relying too heavily on automated responses. Overall, while the technology is powerful and smooth when working, the inconsistent reliability and challenging support structure temper the positive feedback.

What users say elsewhere

S. F.
· Trustpilot
5.0 / 5

I’m completely new to using a card reader and Apple Pay payment methods. Using SUMUP has been intuitive and easy to use. I’m impressed with the app and the communications.

John P.
· Trustpilot
5.0 / 5

Great service with clear interface. Operating smoothly. Fees are fair and very affordable. The next day payout option is very handy for sole traders.

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Why use SumUp?

You want tools that support your growth without hidden costs or penalizing fees. SumUp offers the transparent pricing and robust functionality you need for a seamless checkout experience. It helps you take payments, manage your finances, and grow your customer base.

Key Benefits for Your Business

  • Transparent and Fair Pricing: SumUp’s pricing is designed entirely to work for you. They will never charge you admin costs or annual renewal fees, and there is no minimum amount you need to process each month.
  • Competitive Transaction Rates: Take payments anywhere, anytime. In-person transactions are straightforward at 2.6% + 10¢ when the card is present. For online transactions and manual entry when the card is not present, the rate is 3.5% + 15¢.
  • Total Business Management: Use the available POS tools to run your daily operations smoothly. You can process orders, manage finances, and access related products like the SumUp Connect Kiosk.
  • Reward Customer Loyalty: Easily enhance your customers' experience by offering rewards. You can incentivize regulars and first-time visitors using programs that help customers discover your business and access savings via the Fivestars App.
  • Next-Day Payouts: Manage your money effectively with the Business Account functionality. When you use your associated SumUp merchant account, you can receive next-day payouts to keep your cash flow moving.

Business owners focused on clarity, low overhead, and expanding their customer base recognize the value in this system. It offers a powerful, seamless experience for managing both sales processes and long-term growth. Want to see how easy it is to start? Explore the products they offer today! ✅

Ready to transform your workflow with SumUp?

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Frequently Asked Questions

What happens if a customer disputes a payment or initiates a chargeback?

If a customer disputes a transaction, SumUp confirms they will not charge you an additional dispute fee. You only have to worry about the original transaction funds that are reversed.

Are the SumUp POS plans priced per staff member or based on usage?

The pricing plans (Lite, Plus, Pro) are fixed monthly costs based on the included feature set, focusing primarily on marketing and loyalty tools. The official site does not indicate that the price changes based on the number of employee seats or separate business locations.

Does SumUp integrate with external accounting software like QuickBooks or standard e-commerce platforms?

SumUp specifically mentions integration with the Fivestars App for customer rewards. Details regarding direct compatibility with external accounting systems like QuickBooks or specific e-commerce platforms are not explicitly stated on the official site.

Is a free trial available for the monthly POS subscription plans?

The website does not offer a free trial for the monthly plans. However, both the Connect Plus and Connect Pro subscriptions are backed by a 30-day money-back guarantee on the product, calculated from the date of delivery.

What is the policy for next-day payouts, and where does that money go?

Next-day payouts are available specifically when you use your SumUp merchant account, often associated with the SumUp Business Account. Payout times might vary if you send funds to an external bank.

Who receives the dedicated installation and training benefit mentioned in the pricing plans?

Dedicated installation and training are included features across all three monthly POS subscription tiers: Connect Lite, Connect Plus, and Connect Pro. This service is intended to help you launch your business smoothly.

Are there any monthly minimum processing limits I must meet to avoid fees?

No, SumUp clearly states they will never charge you admin costs, annual renewal fees, or require a minimum transaction amount to be processed each month. You only pay the stated transaction fees when processing a sale.

What security standards does SumUp follow to protect transaction data?

SumUp ensures they operate in accordance with the highest card payment industry security standards. Specific details regarding their current PCI compliance level or advanced data protection policies are not explicitly stated on the official site.

How do the included marketing promotions differ between the Connect Plus and Connect Pro plans?

Connect Plus limits you to two standard SMS and email promotions per month. Connect Pro offers unlimited marketing promotions, including enhanced daily promotions powered by AI.

Who is SumUp best suited for based on the POS features?

SumUp is ideal for small businesses like coffee shops, boutiques, barbers, and fast-casual restaurants. The entry-level Connect Lite plan is specifically recommended for starting businesses that need essential functionality and robust support.

What is the cancellation process for the monthly POS subscriptions?

While the website emphasizes flexible contracts and a money-back guarantee for products, the specific steps or terms for canceling the ongoing monthly POS subscription after the guarantee period are not detailed.

Does using the free SumUp App replace the need for a paid monthly subscription?

The free SumUp App gives you tools to track sales, access dashboards, and use the invoicing features. However, you need one of the paid monthly POS Connect subscriptions to access the full system management features.

What specific card types can SumUp process?

SumUp allows businesses to accept a variety of payment methods and card schemes, although a full list of accepted card types is referenced but not explicitly shown within the provided content.

What is the availability of customer support if I run into technical issues?

SumUp promises ongoing support 24/7, including access to a U.S.-based team member or online self-help articles. No specific service level agreement defining guaranteed response times is published, however.

Ready to try SumUp? Check out the official site or pricing.
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