SumUp App & Card Reader Review: Is SumUp The Best Mobile POS For Small Business?
SumUp

Total Rating | 4.0 |
---|---|
Products & Services | Good |
Fees & Rates | Excellent |
Sales & Advertising Transparency | Excellent |
Contract Length & Cancellation | Excellent |
Customer Service | Good |
Reviews | Good |
Pros
- Predictable flat-rate pricing
- No monthly minimums
- Inexpensive hardware
- Ideal for low-volume merchants
- Free virtual terminal for qualifying businesses
Cons
- Limited features
- Account stability issues
- No eCommerce
SumUp Overview
SumUp is a UK-based payment service provider that offers in-person payment processing through its SumUp app and mobile SumUp card reader. The SumUp app is similar to those of its closest competitors, Square and PayPal Here (or iZettle in the UK), making SumUp a good option for low-volume and mobile sales. Besides SumUp fees being lower than Square’s for small tickets, SumUp’s pocket-sized credit card reader has features the Square mobile reader doesn’t have, giving SumUp a slight leg up on its competition. SumUp’s quality as a mobile processing solution is reflected in the many positive SumUp reviews, at least from international merchants.
However, while the company is already well-established as a top option in Europe — SumUp merchants span 31 countries on three continents — SumUp has been a little slow to catch on in the US.
Given SumUp’s international stature, do the company’s offerings meet our expectations? SumUp Payments has all of the essentials you need for mobile processing, even if it doesn’t have a ton of (or any) bells and whistles, at least not for US users. For UK SumUp merchants, the feature set is far more expansive and includes an omnichannel option for sellers to start making sales in person and online. But for small-ticket US merchants without complex inventory, or businesses that travel to trade shows, conventions, and other events, SumUp could be a suitable Square alternative.
Read this full SumUp review for a full breakdown of SumUp fees and services and SumUp card reader options. Have experience with the company, especially in the US? Leave us a comment and give us an idea of the SumUp user experience!
Table of Contents
Products & Services
The core offering for SumUp is mobile credit card processing. The SumUp app is free to download, available for both Android and iOS, and must be connected to the internet to work. In the UK, you’ll find a few additional features that don’t seem to be available in the US.
SumUp App Features
The SumUp app features all of the standard mobile POS features, including:
- Item library
- Item variants
- Quick-sale mode
- Tipping
- Cash recording
- Basic analytics
- Multiple tax rates
- Email/SMS receipts
- Receipt printer connectivity
- Remote payments (including payment links and virtual gift cards)
The remote payments features, even if basic, are nice to have. SumUp lets you send customers a payment link allowing them to pay you on their phone or computer. You can also share a digital gift card link on your social media, website, or with customers directly. Just keep in mind that you’ll pay the higher card-not-present fee for those types of transactions.
If you’ve looked at any of our other mobile POS reviews, however, you’ll probably notice a lack of certain features not present in the SumUp app, namely:
- Discounts (only available in UK)
- eCommerce (only available in UK)
- Inventory counts
- Bulk product import/export
- Subscription/recurring invoicing
We take issue with the lack of discounts. The rest of the features make the wish list only because Square has raised the bar pretty high. However, they aren’t essential to an mPOS and certainly aren’t ubiquitous among its competitors.
Virtual Terminal & Mobile Payments
Another SumUp feature is its virtual terminal, which allows merchants to process card-not-present transactions in the absence of a card reader. This allows you to take payments over the phone, for example. Unfortunately, you have to apply for approval to use the Virtual Terminal and not everybody will be approved. Established SumUp users (or established businesses in general) would appear to stand a better shot at getting permission to use the Virtual Terminal.
The virtual terminal is accessible from your online dashboard or within your SumUp mobile app.
As mentioned, you can also accept mobile SumUp payments using a payment link that you can text, email, or send over social media. You can accept payments from a customer who is not physically present; it’s also a socially distanced selling option for customers who want to stay distanced during a transaction.
Mobile Invoicing
SumUp merchants can email customers invoices on their smartphone, tablet, or computer. There is no cost to use the SumUp invoicing service—you only pay a processing fee when the customer pays their invoice through the payment link attached to the invoice.
SumUp does not charge a fee for invoices paid via cash or check. You can also check the payment status of invoices from your SumUp app or online dashboard.
International Sales
There is one thing that will set SumUp apart from the rest of the mPOS providers, especially for companies that sometimes handle international business: It’s available in 31 countries at the time of writing this. The list of supported regions includes most of Europe, the US, Brazil, and Chile.
Since you can use SumUp to accept payments internationally, if you’re a US merchant who does trade shows, conventions, farmer’s markets, or other events abroad, SumUp starts to look like an appropriate choice. Just note that your fees will vary, depending on the country in which you are doing business.
SumUp Credit Card Readers
SumUp’s card readers work with most Android phones, tablets, iPhones, and iPads. There’s a handy tool within the app that can check whether your device is compatible with the card reader. Speaking of which, the SumUp card reader reminds me of Square’s. It’s sleek, sexy, and minimalist.
The SumUp Plus credit card reader works similarly to how a lot of other EMV card readers work these days, including Clover Go and PayPal Here. It connects to your phone or tablet via Bluetooth and supports magstripe, EMV/chip cards, and contactless NFC payments (including Apple Pay and Google Pay), all in one. Notably, the reader has an integrated magstripe reader, which is something that sets it apart from Square’s Contactless + Chip Reader.
Another thing that makes the SumUp Plus reader superior to Square’s is that it has an OLED display and a PIN pad, allowing businesses to accept debit and PIN cards. (SumUp has phased out the original SumUp reader, which didn’t have these features.)
SumUp also recently introduced the SumUp Pro, pictured above. SumUp Pro is a standalone reader that lets you take payments without a smartphone or tablet—or even without WiFi. The device has a larger screen than the Plus and also includes a built-in SIM card with free unlimited mobile data. Though the device is only about as tall and wide as a smartphone, you can actually manage your sales history, taxes, tips, employee accounts, and refunds on the SumUp Pro, as well as take swiped, dipped, and tapped payments. Optionally, you can purchase a charging dock that has a built-in receipt printer.
SumUp Fees & Rates
SumUp US Fees | SumUp UK Fees | |
---|---|---|
Card-present transactions (swiped, tapped, dipped) | 2.75% | 1.69% |
Remote transactions (virtual terminal or payment link) | 3.25% + $0.15 | 2.50% |
Invoiced payments | 2.90% + $0.15 | 2.50% |
SumUp’s flat-rate payment scheme isn’t anything new, but it’s a good model that works. Pricing differs depending on region, though.
SumUp fees for in-person payments— 2.75% in the US—are 0.1% higher compared to last year, but stack up decently well with Square (2.6% + $0.10) and PayPal Here (2.7%). With Square’s 2019 rate change (from 2.75% to 2.6% + $0.10) negatively impacting small-ticket merchants — particularly those doing a decent volume — SumUp may warrant consideration from Square merchants disadvantaged by Square’s changes. However, unless you’re processing huge volumes, your savings are going to be quite small. For this reason, price shouldn’t be your sole determining factor.
Like Square, SumUp has no monthly minimums, no setup fees, no cancellation fees, and no ETFs.
If you read the terms of use (and yes, I do, for every single mPOS review I write), you’ll see there’s a chargeback fee assessed. SumUp’s terms of use do not disclose how much this fee is. In a blog post, though, SumUp reveals that the chargeback fee is $10, whether or not the chargeback gets decided in your favor. But don’t worry — you won’t have to deal with chargebacks for card-present transactions very often, if at all. It applies mostly to online transactions.
It’s also worth noting that in the UK, SumUp fees are 1.69%. Generally, credit card processing costs a lot less in Europe than it does in the US, a fact that I am sure many small business owners lament.
SumUp will deliver your funds (minus its fees) to your bank in one to two business days (two to three business days in the UK). There’s no instant deposit option, but this timeframe is pretty standard for any kind of card processing.
SumUp Card Reader Pricing
SumUp Plus will run you $19 (£29 in the UK). That’s an awesome deal for a device that can process magstripe, chip, and NFC transactions.
I’m also happy to see that SumUp has recently added an affordably priced charging dock for the reader. You can get both for $39, which is significantly less than the Square Contactless + Chip Reader and the PayPal Chip & Tap Reader and their respective docks.
The new SumUp Pro is offered at just $59, a pretty excellent price considering it’s a standalone terminal and even includes free mobile data to take payments without WiFi.
Sales & Advertising Transparency
Overall, SumUp is straightforward and transparent in its operations. The pricing is clearly laid out. Contract terms are clear and fair. There are no gimmicky offers on the site and no undeliverable promises. The complaints against SumUp are the standard fare. They’re not unique or even uncommon, which are the sort of problems that are typically indicative of more significant issues.
Like most other mPOS providers, SumUp mostly relies on word of mouth and online advertising. You’re not going to encounter a sales team in the field offering demos. I really like this approach because independent resellers and sales reps tend to promise the world to merchants — but they rarely deliver.
Take note that if you are a high-risk merchant, SumUp will not do business with you. (Examples of businesses considered “high risk” by payment processors include pawn shops, adult entertainment, and debt service businesses.) Instead, you’ll need to find a high-risk merchant account. SumUp is also very clear that certain business types are not supported, so make sure you take a look at the restricted businesses list. Generally speaking, if Square, Stripe, and PayPal don’t support your business, there’s a very good chance that SumUp won’t either.
Contract Length & Cancellation
SumUp is, as I’ve said, a pay-as-you-go third-party processor. You can sign up or terminate your account at pretty much any time. There are no termination fees. That said, if your account is inactive for two years, SumUp will terminate it and follow the standard procedure in your state for the disposal of any funds in the account, if there are any (there probably won’t be).
The terms of use are pretty standard for a mobile processor. You’ll want to note that, like Square and PayPal Here, SumUp’s terms of use include the right to implement a reserve fund on your account and the right to hold funds if it notices something suspicious.
I know most of you probably scroll on past the terms of use when you sign an agreement (I’m usually guilty where software is concerned), but when it’s your money on the line, be diligent. Read the agreement. Understand what you’re getting into. That goes for any payment processor you sign with.
Customer Service & Technical Support
SumUp offers email/ticket-based support. You can access it through the SumUp app as well as through the website. In the past, the FAQ was a bit rudimentary, but SumUp has stepped it up with a US-based support center site that has answers to lots of commonly asked questions. It’s also searchable, and the search works. It’s still not as extensive as Square’s, but Square also has a boatload of features that SumUp lacks.
You can also get hold of SumUp via phone on weekdays from 8AM – 8PM EST. SumUp reviews concerning the quality of phone support are not 100% glowing but are largely positive.
SumUp App & Credit Card Reviews
SumUp app reviews are mostly positive, though there are more international reviews compared to US reviews (and more Andriod than Apple users, it would seem). SumUp has an entry on the BBB website with an A+ rating, though it isn’t accredited. The company does have nine complaints over the past three years, but that’s a small number for any payment processor.
On the Google Play store, SumUp has 3.4/5 stars, out of 40,335 reviews. I’m surprised by the fact that there are only 265 reviews for SumUp in the Apple App Store (at the time of writing, at least), though the average App Store is the same as on the Google Play store, 3.4/5. Clearly, this is an app favored by Android users.
Negative SumUp Reviews & Complaints
Here are some of the biggest complaints customers have about SumUp, including from US-based SumUp merchants.
- Account Holds & Freezes: The biggest number of complaints I see about SumUp relate to account terminations because SumUp doesn’t support a merchant’s business model. But as a third-party processor, SumUp is always going to have to assess risk carefully. Square and PayPal Here are the same way. Before you buy the SumUp card reader, you should make an account and get it verified, just be sure SumUp will work with you.
- Unreliable Customer Support: I didn’t find a lot of complaints about this and none were very specific. Some merchants had trouble finding the phone numbers, and others say the reps were unhelpful. Some were annoyed at the verification process. A few users reported extensive delays when applying to use the Virtual Terminal/Mobile Payments feature.
- Hardware Glitches: Again, this isn’t something that I see a lot of complaints about, but a few people have mentioned that they’ve had hardware that failed or glitched out. The SumUp reader does come with a one-year warranty, and I’ve seen reports from merchants who were able to replace their readers with minimal fuss.
There is one curious trend of complaints about the credit card reader on Amazon, of all places: people who have bought the reader expecting it to work with Square or PayPal. Generally speaking, mobile card readers will only work with one particular processing app, and you shouldn’t expect compatibility with SumUp’s competitors.
Positive SumUp Reviews & Testimonials
Here’s what I’ve seen from merchants who praise the service:
- Easy To Use: The SumUp app is very intuitive. While the features are basic, that does play into the simplicity of things. Apart from creating an inventory library (if you want to), the only other settings you need to play with are the tax rates and maybe tipping. That adds to the simplicity.
- Low Fees: SumUp’s pricing is straightforward and competitive, both in the US and the UK, and that always goes over well. For very small-ticket merchants, SumUp’s 2.75% rate is marginally more competitive than Square’s 2.6% + $0.10 because that $0.10 transaction fee adds up for purchases under about $10.
- Good Customer Support: To balance out the complaints: Plenty of merchants say that support is answering their questions accurately and quickly.
SumUp has also landed an assortment of partners, from retail businesses to financial institutions and more. You can see the list of names on the Partners page, but I am sad to say the testimonials that used to be on that page are now gone, and there aren’t any others on the US site.
Final Verdict
Despite some minor shortcomings, I’m still excited about SumUp. It’s an app that you can use (almost) right away — once you’ve got your account set up and verified and the card reader arrives, you’re all set! It’s far from the fanciest system out there, but if you’re a small business that is just getting started or you only process infrequently, this is a good fit. (And if it isn’t to your liking, remember that you won’t be bound to any contract). While US merchants can’t access all of the features UK merchants can, it’s a solid mobile processing system. For UK businesses, it’s an exciting omnichannel solution.
What remains to be seen is how SumUp will carve out a niche in an industry that is simultaneously growing and consolidating while also weeding out any inferior competitors. I think it’s taking all the right steps. Though SumUp doesn’t have as many features as Square, the SumUp card readers are arguably superior to Square’s. And there’s certainly no shortage of merchants who may be drawn to SumUp’s simplicity after feeling slighted by Square or PayPal.
Also, again, remember that SumUp is a payment service provider, or third-party payment processor. That means that every user account has an inherent amount of risk and instability to it. This is universally one of the biggest complaints against third-party processors, including PayPal and Square. Before you sign up with any processor, you need to understand what you are agreeing to. Be informed, be willing to accept the risk, or look for a traditional merchant account instead.
For now, we’re happy to award SumUp 4 stars. It’s an imperfect solution, but it’s got a lot going for it right now. For more on how SumUp stacks up against Square, read Square vs. SumUp to compare the two, and if you’re still not sure where you’re going to land, check out our article on the Top 7 Square Alternatives.
Are you using SumUp to process payments? Leave us a comment and let us know about your experiences!
We've done in-depth research on each and confidently recommend them.
We've done in-depth research on each and confidently recommend them.
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Organization Name: Vehicle Rentals
The WORST company I have ever dealt with. Signed up on 9/12, paid for & received the mobile card reader but unable to log into my account. Called for support last week, was told all should be fixed on their end this week BUT IT IS NOT!Called again and was told that they have a problem since the BEGINNING of AUGUST and cannot tell when they will have the issue fixed. STAY FAR FAR AWAY FROM SUMUP, NO SERVICE AT ALL!
This comment refers to an earlier version of this review and may be outdated.
Organization Name: Satay Huette
The worst terminal and worst customer service I have ever had. I had been used for about 1 month but the transaction was always slow. It is not the wifi or internet connection problem as other devices are working fine. Then all of sudden the transaction all completely failed as Sumup said the verification did not complete!! Called thousand times but the line was always busy. Finally on the chatbox but the representative only sent me the information from the website! After 30 minutes problem was not fixed and she asked me to call hotline directly then the chatbox disappeared !!!!!!!!!!
This comment refers to an earlier version of this review and may be outdated.
Organization Name: House of color painting
This is absolutely the worst app for accepting credit cards. I’ve had nothing but problems and service reps who don’t have a clue. I was even told by a representative when dealing with my issues that it was a Friday and she’s tired… wth? They claim next day pay outs, but they have been consistently late up to 5 to 7 days. That’s unacceptable for a small business waiting for funds. My advice, find another company
This comment refers to an earlier version of this review and may be outdated.
Organization Name: RIBA Surveyors Ltd
Great Reviews………but reality is totally different!New Business Startup looking to take mainly Debit Cards ended up signing up to SumUp.First payments taken and then an email asking for additional information, which was duly sent and those funds were released. Continued the taking of payments and then notice money not appearing on Bank Account. Contact made with SumUp to be told that this was with the Security Department, which you cannot speak to! They take days to respond and ask for additional information, much the same as the first request, and then nearly a week later they come back with with, ‘ We ar3e going to hold these funds for 6 months or you can request that they be returned to the Payee, YOUR choice. Respond with email and a week later we get curt response that they cannot support our business model. In the meantime they have not highlighted that there was an issue and allowed us to continue taking payments via their system. They then seek to rely on their catch all clause 15 which gives them the right to do anything!I leave it to your imagination as to the effort that is now required to get those payments in once they have actually been returned!So would I recommend SumUp……………..Yes… but only to my worse enemies!
This comment refers to an earlier version of this review and may be outdated.
Organization Name: Taqueria 3 hermanos
I just wanted to ask if the sumup needs to be plugged into a outlet or is it like that square..?
This comment refers to an earlier version of this review and may be outdated.
Hi Veronica,
Sumup’s reader is wireless and mobile like Square’s hardware, but you will need to plug it in to charge it before use. Any chip card mobile reader is going to need to be charged periodically.
This comment refers to an earlier version of this review and may be outdated.
Having seen many good reviews of Sum up, I took the plunge and ordered the card. filled in all the mandatory fields and opened an account.Card reader arrived, linked to my android phone no problems. paid in £1:00 as a test payment….Still all good. logged onto site, payment showed up O.K.Then read the Sum up blog referring to card not present payments, went to site, logged in and find there is no virtual terminal enabled, contacted Sum up support to rectify this and received this reply:”Thank you for contacting SumUp Support.The “Virtual Terminal” allows you to accept remote payments through your SumUp account. For more information about fees and the way it functions, please visit this link: https://help.sumup.com/hc/en-gb/articles/115008339307-Virtual-Terminal However, this feature is not available immediately upon registration and is subject to approval. For your request to be considered, we kindly ask you to reply to this email with the following information.Please provide your answers to the following questions:1. A brief description of the type of business you operate and the products and/or services sold.2. A link to your business’ website / Facebook page.3. Your estimated average amount, and maximum amount for card-not-present transactions.4. Your expected monthly transaction volume for card, not present transactions.5. If requested in the future, would you be able to provide an invoice for validation purposes?Please be advised your request may not be considered if incomplete answers are provided.We will review your request as soon as possible and will get back to you shortly.We thank you in advance for your cooperation”In other words, this is a crippled system where you have to jump through several hoops to get a full payment system.As I am still in the fourteen day cancellation period I have requested that they close my account and requested a return address for a refund on the card reader.The moral of the story is that all is not what it seems. Not one of the reviews of Sum up either refer to this crippling of the account, or give the information about this which would have prevented me from making the error of opening a Sum up account.
This comment refers to an earlier version of this review and may be outdated.
Organization Name: Wooster Taxi
I had to update my banking information I sent it in on 05/10/2018 the information wasn’t updated until the 21 very poor customer service and resolving issues on account
This comment refers to an earlier version of this review and may be outdated.
Excellent write-up Melissa. Surprisingly they have no information on their website I can find re: SMS payments or the virtual terminal. Not sure how Jessica found the link.
You might want to update a few things.
2.65% per transaction now. That’s even listed on the virtual terminal page. If correct that makes SumUp competitive with both Square and Stripe.
Operating in 31 countries.
This comment refers to an earlier version of this review and may be outdated.
Hi Jan,
Thanks for letting us know! We’ll look into the info you’ve provided and we’ll update our review accordingly.
This comment refers to an earlier version of this review and may be outdated.
the review mentions virtual terminal, but when i go to log in i see nothing about a virtual terminal. all i see (on the left hand side) is: Overview, Transactions, Shop, Employees, Support
and clicking on any of those does not give me any option to use a virtual terminal
This comment refers to an earlier version of this review and may be outdated.
Hi there Clint,
You may need to reach out to customer support to have it enabled, but according to their website SumUp does offer a virtual terminal. I hope that helps!
This comment refers to an earlier version of this review and may be outdated.
They do, but you must REQUEST IT, otherwise it does not show up on your account at all.
I asked about it over a week ago, they replied with steps on how to request the virtual terminal to be activated. however the steps they provided were 100% wrong. For example they told me to go to a certain part of my account and submit some info, none of which was actually on my account. Literally the section they said to submit the info to request the virtual terminal did not exist lol.
so then i wrote customer support and informed them that the info they provided was wrong. and i heard nothing from them for 5 days. then i submitted another ticket asking why it was taking so long to respond, and what could i do to get the virtual terminal to be activated…
I finally got a reply saying i never requested the virtual terminal to be activated. WTH??
so now i am on my second attempt to get it activated. We’ll see how it goes.
But so far their customer support seems clueless and not very prompt in their response time.
This comment refers to an earlier version of this review and may be outdated.
I don’t see anything on their website about the $2500 offer
I think there should be a link to that in this article, or have that taken out if it is no longer valid
This comment refers to an earlier version of this review and may be outdated.
Hi Clint,
Thanks for pointing that out. We will get the review updated.
This comment refers to an earlier version of this review and may be outdated.
The green link on top of the page “Visit site” doesnt seem to work :)Overall great article as always – keep up the good work.
This comment refers to an earlier version of this review and may be outdated.
Thanks Spyros! Fixed now.
This comment refers to an earlier version of this review and may be outdated.