SumUp
Mobile card reader and payment solution. Perfect for retail and mobile businesses.
Features
- ✓Card reader
- ✓Mobile POS
- ✓Online payments
- ✓Invoicing
- ✓Business account
Pros
- No monthly fees
- Easy setup
- Good for physical retail
Cons
- Higher per-transaction fees
- Basic features
Integrations
Connection Types
2 known connections
Best For
About SumUp
SumUp has democratized card acceptance for small businesses across Germany, making it possible for any business—from market vendors to hairdressers to food trucks—to accept card payments without the complexity and cost of traditional merchant accounts. The company's card readers are affordable, often available for one-time purchases under €50, with no monthly fees and straightforward per-transaction pricing of 1.39%. This simplicity has made SumUp ubiquitous among small German businesses that previously relied on cash only. The ecosystem has expanded beyond simple card readers to include point-of-sale systems, online payment links, invoicing, and even a business account. For retail and hospitality businesses, SumUp's POS solutions manage sales, inventory, and staff with an intuitive touch interface. The online payment capabilities let businesses send payment requests via link, useful for service businesses taking deposits or balancing invoices. While SumUp's per-transaction fees are higher than negotiated rates from traditional acquirers, the zero monthly cost and simplicity make it economically sensible for businesses with moderate card volume. For any physical business not yet accepting cards, SumUp provides the fastest path to modern payment acceptance.
Pricing: Zero Monthly Cost
- Transaction fee: 1.39% per card payment
- No monthly subscription or maintenance fees
- Card reader: €39.99 one-time purchase (iOS/Android compatible)
- Contactless, Chip & PIN, Apple Pay supported
- Standard cards: no ongoing costs
Hardware: Card Reader & POS Systems
SumUp's card reader plugs into smartphones and tablets, turning any device into a payment terminal. For more advanced operations, SumUp offers dedicated POS systems ranging from 199 to 499 euros, featuring larger displays, built-in printers, and retail software. All terminals support contactless payments, EMV chip cards, and mobile wallets, making them future-proof for evolving payment technologies.
Key Features for Retailers & Hospitality
- Sales reporting: real-time sales dashboard and daily/weekly reports
- Inventory management: track stock levels, set low-stock alerts
- Staff management: assign staff to shifts, track performance
- Receipt printing: built-in or mobile printer compatibility
- Multi-currency: accept payments in EUR and other currencies
- Offline mode: process payments without internet (settles when reconnected)
Comparison: SumUp vs. iZettle vs. Square vs. PayPal Here
iZettle (now Zettle, owned by PayPal) is available in Europe with similar pricing but includes more POS features. Square is US-focused with less European presence. PayPal Here is declining and being phased out. SumUp remains Germany's most accessible option with the simplest hardware, lowest fees for small businesses, and strongest ecosystem within the DACH region.
Online Payments & Payment Links
SumUp's online payment functionality allows businesses to send payment links to customers via email or SMS. Customers click the link and enter card details to complete payment. Useful for service professionals (plumbers, electricians, consultants) requesting deposits, invoicing clients, or balancing outstanding payments without requiring a full e-commerce platform.
Invoicing & Business Account
- Invoice module: create and send invoices to customers
- Business account: IBAN for merchant payouts, not personal
- Weekly payouts: funds settle to account within 5-7 business days
- Transaction history: detailed reports for accounting and tax compliance
- Multi-user access: allow employees to manage the POS system
Best For
- Small retail stores and market vendors
- Restaurants, cafes, and food services
- Mobile businesses (food trucks, market stalls, pop-ups)
- Service professionals taking payments on-site
- Businesses handling moderate card volume (50-500 transactions/day)
- Organizations seeking simplicity over advanced features
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