tech from europe
Point of Sale (POS) Systems

SumUp

🇬🇧 GB · from $2.6% + $0.10

London-based POS system with EU-hosted data, no monthly fees and transparent transaction pricing for small businesses.

EU hostedGDPRISO 27001
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SumUp is a point-of-sale system for small businesses and retailers, headquartered in London and fully GDPR-compliant with EU data hosting. The platform offers card readers, mobile and online payments, invoicing, inventory and employee management, plus sales analytics. PCI DSS Level 1 certified, ISO 27001 compliant, and FCA-authorised in the UK. Pricing starts with a one-time card reader purchase; no monthly subscription is required, only per-transaction fees.

Replaces

SumUp is sought as a European alternative to:

cloverlightspeedsquaretoast

Features

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 database management

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

Developer Tools & Integrations

  • APIs and SDKs for Android, iOS, JavaScript, Python, .NET, Java, PHP, Go, Rust
  • Custom payment acceptance solutions
  • Hosted checkouts and plugins for WooCommerce, PrestaShop, Wix, Medusa, Vendure

Pricing

Transaction Fees (In-Person)
$2.6% + $0.10 per transaction
  • No monthly minimums or hidden fees
  • Supports all major card schemes
Transaction Fees (Online & Manual Entry)
$3.5% + $0.15 per transaction
  • No monthly fees for online payments
  • Manual entry option for phone orders
POS with Connect Plus
$199 per month
  • Cloud-based POS system included
  • Customer rewards and automated marketing
  • Two standard SMS/email promotions per month
POS with Connect Pro
$289 per month
  • All Connect Plus features included
  • Unlimited marketing promotions
  • Daily AI-enhanced SMS and email promotions
  • Google review boost feature
Invoicing
$2.9% + $0.15 per online payment received
  • No monthly fees for invoicing
  • Charges apply only when customers pay online

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

EU Trust Profile

2 of 9 criteria verified with evidence, last checked 2026-08-03. Every ✓ links to its source.

  • Data Processing Agreement (DPA)

    The Data Processing Agreement (DPA) is part of the terms applicable to SumUp’s services and does not require a separate signature.

    Evidence →
  • Trust center / security page

    SumUp provides a dedicated security and privacy page covering topics such as chargebacks, phishing, and secure transactions.

    Evidence →
  • EU data residencynot verified

    All merchant data is stored securely within the European Union.

  • Public sub-processor list

    The DPA mentions the use of sub-processors but does not provide a public list.

  • ISO 27001not verified
  • SOC 2not verified
  • BSI C5not verified
  • TISAXnot verified
  • German-language supportnot verified

    SumUp offers product support in German.

Verified means: the claim was publicly documented at the linked source on the check date. The vendor's own information prevails.

Reviews

Recurring themes, synthesized from public reviews across portals.

What users value

  • 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

Where users see room to improve

  • · 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

Integrations

WooCommercePrestaShopWixMedusaVendureAirposBooking.comBookingkitDHLDecathlonDominosFlixbusLightspeedLoyverseTaxicallerTransdevTreatwellready2order

Feature, pricing and integration details are based on web research (as of 2026-08-03), without guarantee, errors are possible. The vendor's website prevails.