tech from europe
vsToast

SumUp vs Toast

Last updated August 2026

Looking for a European alternative to Toast? Here's how SumUp compares, on EU hosting, GDPR and what it does.

Our pick for a European buyer: SumUp. We weight data residency, GDPR and EU jurisdiction above everything else — that is the constraint this directory exists to solve.

SumUp
Toast
What it is
London-based POS system with EU-hosted data, no monthly fees and transparent transaction pricing for small businesses.
not established
Headquarters
🇬🇧 GB
No
EU data residency
Yes, for all customers
not established
DSGVO / GDPR
Yes
not established
Certifications
ISO 27001
not established
Price from
$2.6% + $0.10
not established
Free plan
No
not established
Open Source
No
not established
Ratings
OMR 4.38/5 (12) · TRUSTPILOT 4/5 (51,649) · GETAPP 4.8/5 (8,400) · CAPTERRA 4.5/5 (1,470)
No
Integrations
WooCommerce, PrestaShop, Wix, Medusa, Vendure +13
not established

We have not yet completed our own research on Toast; rows above show only what we can evidence. Check the vendor for specifics.

Where each one wins

SumUp

Strengths

  • +Straightforward setup process, often completed in under 10 minutes from unboxing to first payment
  • +No monthly fees and low entry cost (card readers from £39), making it highly accessible for small businesses and seasonal sellers
  • +Transparent and fair transaction fees, easy to calculate for low-volume merchants
  • +Portable, compact, and well-built card readers supporting debit, credit, and contactless payments
  • +Free EPOS system, online store, and basic sales reporting included without additional costs
  • +Reliable performance with swift transaction processing when connected to mobile data
  • +Clean, intuitive mobile app with graphical interaction for easy use
  • +Generally positive customer support ratings, with phone support available during business hours

Limitations

  • −Customer service responsiveness is frequently criticized for poor communication, unreachable hotlines, and lack of feedback on critical issues like refunds or failed payouts
  • −Account verification processes are described as overly complex and cumbersome
  • −Percentage-based transaction fees become less economical for high-volume merchants (over £50k annual turnover), making fixed-fee alternatives more attractive

Toast

Review sentiment not yet compiled.

Data residency & compliance

SumUp
Toast
EU data residency
Yes, for all customers
not established
Transfer mechanism
Not required — data stays in the EU
not established
DPA
Published →
not established
Sub-processors
Listed →
not established
Certifications
ISO 27001
No

Pricing

SumUp

  • Transaction Fees (In-Person) $2.6% + $0.10 per transactionNo monthly minimums or hidden fees · Supports all major card schemes
  • Transaction Fees (Online & Manual Entry) $3.5% + $0.15 per transactionNo monthly fees for online payments · Manual entry option for phone orders
  • POS with Connect Plus $199 per monthCloud-based POS system included · Customer rewards and automated marketing · Two standard SMS/email promotions per month
  • POS with Connect Pro $289 per monthAll Connect Plus features included · Unlimited marketing promotions · Daily AI-enhanced SMS and email promotions
  • Invoicing $2.9% + $0.15 per online payment receivedNo monthly fees for invoicing · Charges apply only when customers pay online

Hardware is sold separately. Transaction fees and pricing may vary by region.

Toast

No published pricing we could verify.

Features

SumUp

Payment Processing
Accepts in-person payments via card readers, Online and manual entry transactions, Supports multiple payment methods and card schemes, AI-based anti-fraud protection included at no extra cost
Point of Sale (POS)
Cloud-based POS system, Sales tracking and reporting, Staff scheduling and management, Inventory management and product catalog customization
Customer Loyalty & Marketing
Customer rewards programs, Automated marketing via SMS and email, AI-enhanced promotions, Google review boost feature
Invoicing
Send payment requests and invoices, No monthly fees for invoicing, Charges apply only when customers pay online
Hardware
Portable card readers (Solo, Terminal, Air, 3G, PIN+, Go), No upfront costs for hardware, 30-day money-back guarantee

Toast

Feature breakdown not yet compiled.

See SumUp →More Toast alternatives