SumUp review

SumUp is built for sellers who want to start taking cards for the price of a reader. The free tier has no monthly cost: you pay once for the hardware and then 2.6% + 10¢ per in-person card payment, and you get the SumUp Business app with payment links, invoicing, appointment bookings, reporting and a free business account with a Visa card. That covers a craft stall, food truck or mobile service well. POS Plus at $49 a month adds the tools a small counter or cafe needs, such as multi-device sync, several ticket printers, floor plan setup and cash drawer tracking. SumUp POS, from $99 a month, adds SMS messaging and multi-store management. Card rates do not fall on the paid plans, so the upgrade only makes sense for the extra features. Loyalty through SumUp Connect is priced separately and starts at $269 a month, which is high for a small shop.

Who it is for

Solo sellers, market stalls and mobile businesses that want no monthly fee.

Price

Free tier at $0 a month plus a one-time hardware cost; POS Plus at $49 a month; SumUp POS from $99 a month; 2.6% + 10¢ per in-person card payment.

With POS Plus you'll pay a $49/month subscription fee and our standard fee structure: 2.6% + 10¢ for card-present transactions
Quoted from the vendor pricing page on November 6, 2026.

Key features

• Free tier with the SumUp Business app, payment links, invoicing and reporting
• Free business account and business Visa card
• POS Plus adds multi-device sync, several ticket printers and floor plans
• Cash drawer and profit tracking on POS Plus
• SumUp POS adds SMS messaging and multi-store management from one back office

Strengths and weaknesses

• Strength: No monthly fee on the free tier, only a one-time hardware cost
• Strength: The same 2.6% + 10¢ in-person rate on every plan
• Strength: Business account and card included at no charge
• Weakness: The free tier lacks multi-device sync and front-of-house tools
• Weakness: The jump from POS Plus at $49 to SumUp POS at $99 is steep
• Weakness: Loyalty plans through SumUp Connect start at $269 a month

Key facts

• Free plan: Yes, $0 a month with a card reader or POS Lite
• In-person card rate: 2.6% + 10¢
• Online or keyed rate: 3.5% + 15¢
• Paid POS plans: POS Plus $49 a month, SumUp POS from $99 a month

Where it ranks

SumUp is No. 2 in our Best POS Systems for Small Business verdict.