We may earn a commission if you buy through links on this page. It never changes a score or a ranking. How we make money
The bottom line
Good entry-level breadth; check the paid-plan costs and support trade-offs before switching.
SumUp combines card readers, POS tools, a business app and a business account. The listed Free plan costs $0/month, while POS Plus is $49/month and SumUp POS is $99/month; the homepage lists in-person fees of 2.6% + 10¢. Hardware costs extra, and its price is not published on the vendor's site.
The wider plans add tools such as loyalty points, SMS messaging and multi-store management, but Payments Plus pricing and fee details are unclear: its FAQ shows conflicting euro annual prices. Reddit reports include complaints about slow support and device problems, alongside users saying their readers lasted more than two years. Those are anecdotes, not a reliable measure of overall service.
Good fit if
- Small businesses starting with card payments
- Businesses wanting POS and payment tools together
- Operators who need a free entry plan
Skip it if
- Businesses needing clearly published Payments Plus pricing
- Teams prioritizing consistently praised support
- Businesses unwilling to pay for POS upgrades
ScoresHow it rates
What works
- Free plan includes app, bookings and invoicing
- Homepage lists 2.6% + 10¢ in-person fees
- Paid plans add multi-device and multi-store tools
- Connect plans include loyalty and SMS features
- Business account supports instant transfers
What doesn't
- POS Plus costs $49/month; SumUp POS costs $99/month
- Hardware has an extra, unpublished price
- Payments Plus pricing details conflict
- Some Reddit users report slow customer support
- Reddit discussions include complaints about faulty terminals
01What SumUp actually does
SumUp combines card payments with point-of-sale tools and basic business money management. Its homepage lists plans starting at $0 a month and an in-person transaction fee of 2.6% + 10¢. The free plan includes the business app, appointment bookings, a business account and Visa card, payment links, reporting and invoicing, according to the published plan details.
The broader pitch is one provider for taking payments, tracking sales and handling some customer and cash-flow tasks. SumUp lists card readers for mobile payments, POS hardware and tools, customer loyalty features, expense and invoice management, and next-day access to earnings. Its business app is described as a place to review sales and reports and set promotions.
That range may suit a small business that wants payments and basic operations together. But the free starting price is not the full cost of a larger POS or loyalty setup, and the homepage’s transaction fee is only one part of the pricing picture.
02Where SumUp is strong
The clearest advantage is breadth at the entry level. A business can start with payments, an app, reporting, invoices, payment links and a business account on the free plan, rather than paying a monthly software fee upfront. SumUp also lists a next-day payout option, including weekends and holidays, and says its account supports instant transfers. Those features may matter more to a small operator than a long list of integrations.
The paid plans add specific tools rather than just changing the label. POS Plus is listed at $49 a month and adds multi-device syncing, connections for several ticket printers, floor plans and cash-drawer tools. SumUp POS is $99 a month and lists a full POS suite, SMS messaging and management of multiple stores from one login.
For customer retention, Connect Plus is listed at $269 a month, with a customer directory, loyalty points, AutoPilot SMS messaging and two standard promotions per month. Connect Pro costs $349 a month and adds text-to-join, Review Boost and unlimited AI-enhanced promotions. These are concrete upgrades for businesses that will use them; they are expensive extras for a business that mainly needs a card reader.
03Where it falls short
The main catch is the gap between the free entry point and the paid tools. POS features start at $49 a month; the full POS plan is listed at $99, while the loyalty plans cost $269 or $349 monthly. Annual billing is not stated for these USD plans. A card reader or POS Lite hardware also costs extra, but the amount is not listed. The advertised 2.6% + 10¢ in-person fee does not tell us whether another plan can lower that rate.
Payments Plus is meant for businesses seeking lower transaction fees, but the published pricing details do not give a monthly price or complete fee terms. Its FAQ reportedly shows conflicting annual prices of €259 and €189, so we would not treat either as a reliable comparison without clarification.
Support is another risk to weigh, not a settled verdict. One small-business Reddit thread describes slow chat and difficulty reaching support; other commenters discuss the trade-off of splitting tools across providers. These are individual reports, but they make it sensible to check support access and account controls before moving several businesses onto one system.
04SumUp pricing: what you'll actually pay
SumUp’s Free plan is $0 per month and includes the business app, appointment bookings, a free business account and Visa card, payment links, reporting and invoicing. POS Plus is $49 per month; it adds multi-device sync, support for several ticket printers, floor plans and cash drawer tools. SumUp POS is $99 per month and lists a fuller POS suite, SMS messaging and multi-store management. That is a $50 monthly jump from POS Plus, and another $170 to Connect Plus at $269 per month, which adds customer-directory and loyalty features. Connect Pro is $349 per month and includes unlimited AI-enhanced promotions.
The homepage lists in-person fees of 2.6% + 10¢. The pricing details don’t state annual billing for the listed dollar plans. Payments Plus has no published monthly price here, and its FAQ gives conflicting annual prices of €259 and €189. Card reader or POS Lite hardware costs extra; the amount isn’t listed.
05Switching to (or from) SumUp
The published materials don’t say whether SumUp can import customer, product or sales data from another provider, or export it if you leave. They also don’t specify migration support, contract terms, cancellation conditions or which existing hardware will work. Treat those as questions to get answered in writing before moving payment and POS workflows.
The Free plan gives small businesses a way to start without a monthly subscription, while POS and loyalty features sit on paid plans. Before switching, map which features you rely on and price the matching SumUp tier, transaction fees and any hardware. That matters if you need multi-device sync, multi-store management or automated promotions, since those are listed on paid plans.
We can’t substantiate a pattern of users leaving SumUp from the Reddit discussion we read: none was provided. Support concerns appear in our verdict, but there are no supporting posts or details to establish how common they are. Data portability and support quality remain items to verify, not settled reasons to switch.
From the threadsWhat users say
Reddit feedback is mixed, but complaints focus on support after problems arise and reported issues with software, reporting, and hardware. Other commenters say SumUp has worked for them, especially for occasional use, so these threads show individual experiences rather than a reliable measure of every customer’s experience.
the online chat is so slow its like my mum is on the other end and she is busy ironing
ständiger Defekt nach 14 Monaten - keine Garantie und Neukaufzwang des Anbieters
Even the most basic functionality, like an accurate sales report, doesn’t work properly
SumUp ist unschlagbar für gelegentliche Nutzung
Questions people ask
Is SumUp trustworthy?
The Reddit accounts provided are mixed. Some users report slow support, reporting errors, failed transactions, or hardware concerns; another says their reader still works after more than two years of occasional use. These are individual reports, not proof of how SumUp performs for every business. We’d treat support and reliability as points to check before switching.
How much does SumUp take from you?
SumUp’s homepage lists an in-person transaction fee of 2.6% + 10¢. The published pricing information does not give a complete fee breakdown for every payment type or plan. Payments Plus is described as a lower-fee option, but its transaction-fee details are partly missing, so we can’t give a reliable comparison.
How does SumUp work?
SumUp provides card readers for taking payments on the go, along with point-of-sale tools and a business app for sales, reports, and promotions. The published product information also lists invoicing, payment links, and next-day payouts. Plans start at $0 per month, with in-person transaction fees listed separately.
Does SumUp link to your bank account?
The published information does not say whether SumUp links to an existing external bank account. It does list a free business account and Visa card with the Free plan, plus instant transfers and next-day access to earnings through SumUp’s business account. Check SumUp’s current terms for details on transferring funds to your own bank.
What SumUp plans and prices are listed?
The listed US monthly prices are Free at $0, POS Plus at $49, SumUp POS at $99, Connect Plus at $269, and Connect Pro at $349. Payments Plus has no monthly price listed in the published information. Card reader or POS Lite hardware costs extra, but its price is not published there.