Payments & POS
SumUp
Low-cost mobile card readers and payments for micro and small businesses.
4.5· 1,470 reviews· via CapterraFounded 2012 · London, United Kingdom
What is SumUp?
SumUp is a fintech company providing card readers, mobile POS, and payment processing for small merchants and sole traders. It pairs pay-as-you-go card acceptance with a business account, invoicing, and simple online store tools.
Best known for: Affordable card readers for small merchants
Key features
- Portable card readers
- Pay-as-you-go transaction pricing
- Mobile POS app
- Business account and card
- Online store and payment links
- Invoicing tools
Who SumUp is best for
- Sole traders, market stalls, and mobile service providers
- Very small businesses wanting a cheap card reader and no monthly fee
- Sellers who need to take a payment anywhere via phone
Ideal team: Micro-businesses and solo operators who want an inexpensive tap-to-pay reader with simple flat-rate pricing and no commitment.
SumUp pricing
Popular
Pay-as-you-go
$0
- In-person 2.6% + 10¢
- Online invoices 2.9% + 15¢
- No monthly subscription fee
Costs to watch before you commit
- Manually keyed / card-not-present transactions cost 3.5% + 15¢.
- The card reader is an upfront hardware purchase.
- Feature set is lighter than full POS suites — best for simple, low-volume selling.
- Instant transfer of funds may carry an extra fee versus standard payout timing.
Top SumUp alternatives
Popular Payments & POS tools teams evaluate alongside SumUp.
SquareAll-in-one POS, hardware, and payments for retail, food, and services.
Checkout.comEnterprise payment orchestration with interchange++ and multi-acquirer routing.
GoCardlessBank debit and ACH collection built for recurring and invoice payments.
Lemon SqueezyMerchant of record for digital products, SaaS, and subscriptions.
Authorize.netLong-standing payment gateway that plugs into existing merchant accounts.