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Upgraded Reviews scanned the web to find out what real users are saying about SumUp.

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Pros and Cons

Table of contents

✅ Pros

Its usage is expected to increase in the future.
Review Pros
No monthly fees and no lock-in are required.
No monthly minimums are rȜrequired.
The free SumUp app can be used as a simple calculator
It accepts chip & pin and contactless payments.
Payments made with SumUp Air are immediately channeled to the business’s bank account within the day.
SumUp comes up with a unique size that gives it the mobility it is made for.
They are offering a complete POS solution on its app for businesses requiring only one card reader.
They offer affordable chip card hardware.
It can be used with Pin and credit card.
All major credit and debit cards are accepted.
There’s no monthly fee to use SumUp, you get access to the free POS app for your smartphone or tablet to manage products and put through sales.
SumUp offers a month-to-month agreement with a fixed per-transaction fee and a one-time cost to purchase a card reader.
It includes features like free virtual terminals & SMS payments.
Minimum amount is 1 euro.
Point of sale integrations allow the SumUp card reader to be used as a payment method within other, more complete POS apps.
The reader can take payments where the card is not present.
If you’re looking for something a bit more professional than just a card reader, SumUp also offers a complete Point of Sale (POS) solution.
The SumUp Air card reader is one of the the top credit card machines for small businesses in the UK.
The main advantage lies in the fact that only costs are charged when you actually carry out transactions.
There are no ongoing or monthly fees with SumUp.
At Sum up no monthly or fixed costs are charged.
It is affordable.
It has a pretty lovely NFC feature that allows you to collect payments without swiping the card.
Refunds are easily handled either through the app or the web dashboard.
This mobile card reader solution is well suited to lower volume users as it offers a fixed 2.65% transaction cost
SumUp Air is a mobile device and can be brought to businesses anywhere.
SumUp Air comes with a dedicated mobile app that can be easily downloaded from the Apple App Store or Android Play.
Online registration for a SumUp account is fairly simple.
SumUp is a good option for small and medium scale enterprises (SME’s).
The Android app is similar to iZettle and Payleven’s in that you can pre save items. This saves time and allows you to track stock.
The card reader is a good size, a compact 7cm x 7cm x 2.5cm.
All the transactions are easily accessible so you can keep track of them and if a customer has made a payment through it.
Combined with its low, flat fee rate of 1.69%, it makes it the most affordable option for self-employed, small scale traders.
They have a great customer support.
SumUp is the leading mobile point-of-sale (mPOS) Company across Europe.
It is easy to setup.
It has predictable flat-rate pricing.
The SumUp Air card reader is one of several innovative new mobile credit card machines available to UK businesses.
It is available in most of Europe and is backed by big names such as BBVA Ventures, American Express, and Groupon.
SumUp Air cannot be used just by anyone without prior authorization.
Despite its novelty, it is becoming widespread, with cheap transaction rates and easy card reading options for customers.
It is ideal for low-volume merchants.
It offers low entry% per transaction.
An added feature of SumUp is the option to take phone and SMS payments.
It offers best rates for businesses earning £6,000+/month.
It accepts international cards and processes payments for business people travelling abroad.
They do not offer add-on features at additional costs like some of their competitors.
SumUp does not appear to hire independent sales representatives and has not received any major complaints about its sales practices.
SumUp offers very clear and easy to understand fees and pricing.
The card reading device works with any card, regardless of their type, and even with Apple Pay and Android Pay.
You can make 500 transactions before the battery dies.
Just $69 for an all-in-one card reader. You can accept any credit or debit card that displays a Visa, American Express, Diners, Discover, or MasterCard logo.
Unlike traditional merchant accounts and payment processors, you won’t need to process a minimum amount each month to avoid monthly minimum charges.
The SumUp Card reader pairs very easily with most of the devices.
It can be used abroad if customer services is notified beforehand.
It is affordable card reader that supports chip cards.
They offer PCI-compliant solution.
SumUp is currently one of only two providers in the UK who can offer card-not-present transactions without a mandatory monthly charge.
It offers low fees of just 1.69% per transactions, with no fixed costs or complicated pricing structures.
In addition to Visa, V PAY, Maestro and Mastercard, SumUp also accepts American Express.
No minimum on transaction volume is required.
Taking a payment is very quick and straightforward.
It comes with ease to use app.
It is best for lower-volume and budget-conscious small businesses.

❌ Cons

There are also some customers who complain about the setup, claiming that the online instructions are vague.
Tthere’s no easy spreadsheet import you’ll find with more complete POS systems.
There are account stability issues.
The SumUp Air card reader retails for £59.
The setup instructions sent with the device and those available online are different which is slightly confusing.
It gives limited reporting.
Sum up mobile payment system is not completely free.
For the SumUp Air card reader to work you’ll also need to install the App on a compatible smartphone and/or tablet.
It’s available in 16 countries only
Some merchants have expressed frustration that SumUp does not make it clear that it cannot accept payments over the phone and might not accept certain currencies from outside a SumUp merchant’s country.
SumUp does not have a profile with the Better Business Bureau at this time.
If you make a transaction with this system, you have to take into account a cost price of 1.95% per transaction.
You’ll pay slightly more for card payments taken over the phone or through an invoice.
It doesn’t instant payout .
It lacks add-on products that extend the usefulness of the reader.
You haxe to pay a flat rate of 1.69% per transaction.
Certain types of businesses aren’t supported, such as adult entertainment, door-to-door sales, multi-level marketing, unlicensed counselling, etc.
They give less favourable rates for businesses earning under £1,500/month.
The cost of the device is £59 plus VAT – more than double that of iZettle.
SumUp charges a flat rate of 1.95% on each card transaction, regardless of card type
The main downside is the lack of rechargeable battery and there is also no indicator to show battery life.
There is reduced geeking out on numbers with SumUp.
Unfortunately, the card reader is required for any transaction to occur, as transactions cannot be manually entered.
SumUp only allows you to have one account and one reader, which can pose a challenge for business with multiple staff members.
It can take up to two or three business days for payments to be deposited.

Final Say

Read the summaries of what reviewers think about SumUp below.

Review Summaries
SumUp is mobile card reader that is available in thirty-one countries, although it is a more recent entry to the US market. Notably, it supports cards with EMV, popularly known as the newer ‘chip cards.This mobile card reader solution is well suited to lower volume users as it offers a fixed 2.65% transaction cost, with no monthly minimum. The card reader is available for a one time fee of $69 (£52), and connects via Bluetooth to your smartphone and a downloadable app.
SumUp Air is an EMV card reader and contactless payment solution. With just one device, businesses can accept any manner of payment, whether through NFC, EMV chip, magnetic stripe, and even Apple Pay and Android Pay. With SumUp Air, stores never have to turn away a customer ever again due to their payment method preference. It’s also easily managed as it can connect to devices via Bluetooth.
The mobile payment system Sum up is an interesting possibility to receive and execute payments anywhere. If you want to use this service you can request the card reader. At Sum up no monthly or fixed costs are charged. In other words: if you do not use the mobile payment system, you do not have to pay any costs.
The SumUp Air card reader is one of the the top credit card machines for small businesses in the UK. It offers low fees of just 1.69% per transactions, with no fixed costs or complicated pricing structures.
As an aggregator, it might never achieve the stability of a traditional merchant account, but if you operate a fairly steady business then don’t let this put you off. It’s an affordable, user-friendly option that stands tall among competitors in terms of both functionality and rates.
SumUp is one the best options for small businesses and sole traders looking to take card payments on the go and in store. An inexpensive card machine and low-ish rates make SumUp an affordable way to start taking card payments without any commitments or contracts.
SumUp will likely stay competitive in the years to come, having launched in a number of countries since it was first established in 2012, and merging with competitor Payleven in 2016 under the name of SumUp. It has been a successful recipient of venture capital, and its backers include BBVA Ventures, Groupon and American Express.
SumUp rates as a worthy alternative to its mobile payment app competitors in Europe and the US. The company is showing a relatively low number of complaints at this time and appears to offer transparent, affordable contract terms. The major drawback of SumUp at this time appears to be its lack of live customer support. The SumUp app is still expanding into new territories, and its overall rating is therefore subject to change as its use spreads.
It accepts chip & pin and contactless payments. Combined with its low, flat fee rate of 1.69%, it makes it the most affordable option for self-employed, small scale traders. It accepts international cards and processes payments for business people travelling abroad.
Once you learn how to use it, the application and the device and seamless to operate. They work similar to applications such as iZettle and payleven’s and you can track your purchases as well as save items for later.
Sum Up Air boasts the cheapest transaction cost of 1.69 per cent compared to the rest of the top four card readers listed but you have to purchase another add on for a more extensive point of sale solution.
It’s an app that you can use right away . It’s not the fanciest system out there, but if you’re a small business that’s just getting started or you only process infrequently, this is a good fit.
With one of the UK’s lowest transaction fees for mobile card readers of just 1.69%, and a friendly, flat-rate fee structure, SumUp Air is ideal for any lower-volume small businesses or sole traders.
The Android app is similar to iZettle and Payleven’s in that you can pre save items. This saves time and allows you to track stock. The main downside is the lack of rechargeable battery and there is also no indicator to show battery life.
The company which is a leading mobile point-of-sale is keen on making payments easy for small merchants.With a device which simply integrates with smart phone and accepts payment anywhere. A simple and easy to use device and interface makes it east for any merchant to do paperless payments at very affordable pricing.

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