Verified head-to-head comparison
Square vs SumUp
Compare suitability, cost model, commitment, eligibility, capabilities and limitations using the same verified product data.
| Comparison | Square | SumUp |
|---|---|---|
| Best for | Retail, hospitality and service businesses wanting payments plus POS tools | Small businesses wanting simple in-person card acceptance |
| Cost | No monthly fee for basic processing; 1.75% in person | £0/month PAYG + 1.69% in person |
| Pricing basis | transaction pricing | transaction + optional monthly plan |
| Commitment | PAYG processing; optional subscriptions | No long-term subscription required for PAYG |
| Eligibility | Available to relevant UK business customers subject to the provider’s current eligibility and product terms. | Available to relevant UK business customers subject to the provider’s current eligibility and product terms. |
| Key capabilities | Card readers · POS software · Online payments · Invoices · Appointments on relevant products | Card readers · POS options · Payment links · Business account tools |
| Reasons to consider | Broad ecosystem · Strong fit where POS software matters | Simple entry route for many small merchants · Range of hardware options |
| Things to check | Can be more platform than a simple terminal-only buyer needs · Compare total software and hardware cost | Transaction economics change with turnover · Compare support and settlement needs |
| Verified | 2026-09-02 | 2026-09-02 |
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