Square POS vs SumUp

Two point of sale tools side by side. Prices are the starting plan a small business would pick, in USD.

Short version

  • SumUp costs less on $10,000 of monthly card sales.
  • Square POS fits retail shop, restaurant or café, online store.
  • SumUp fits trades or contractor.
  • Square POS suits teams past ten people.
CompareSquare POSBlockSumUpSumUp
In one lineFree POS with pay-as-you-go processingCard reader and free POS app for low-volume sellers
Starting priceFreeFree
Six-person team$0/mo$0/mo
On $10,000 of card sales$320/mo$300/mo
PlansFree $0/mo: 2.6% + 15¢ per tap, dip, or swipe; Plus $49/mo per location: 2.5% + 15¢; Premium $149/mo per location: 2.4% + 15¢Free app, $0/mo; POS Plus $49/mo; SumUp POS from $99/mo; in-person 2.6% + 10¢; online or keyed 3.5% + 15¢
Pricing modelFree tierFree tier
Free trial——
UsersUnlimitedUnlimited
Both connect toQuickBooks Online, Xero
Also connects toZoho Books, Akaunting, Kashoo, ZipBooks, BenchNo others on record
Team sizeJust me · 2–10 people · 11–50 peopleJust me · 2–10 people
Available inUS · UK · CA · AUUS · UK
Phone supportEvery plan (US)Plans not stated (US); plans not stated (UK)
Live chatPlans not statedPlans not stated (UK)
Support hoursPhone: 6am–6pm PT M–F for the first 90 days (Square Free only), 6am–6pm PT M–F (Square Plus only), 24/7 (Square Premium only)Phone: POS & Loyalty: 9AM - 9PM ET 7 days per week, Card readers: 10AM - 7PM ET Mon. - Fri.
Incidents posted14 incidents posted on Block's status page, which covers all Block products and regions, in the 90 days to Oct 27, 2026; 0 marked major or critical by Block. Status page11 incidents posted on SumUp's status page, which covers all SumUp products and regions, in the 90 days to Oct 27, 2026; 5 marked major or critical by SumUp. Status page
Capterra score4.6 / 5 from 3,039 reviews4.8 / 5 from 17 reviews (few reviews)
Trustpilot scoreNot listed4.2 / 5 from 60,405 reviews
Fit: Retail shop9578
Fit: Restaurant or café8550
Fit: Service business8075
Fit: Agency or studio2015
Fit: Trades or contractor6072
Fit: Online store5530
Why people pick it
  • No monthly fee on the free plan
  • Hardware and software from one vendor
  • Deep accounting integrations
  • No monthly fee on the free plan
  • Cheap hardware
Where it falls short
  • Processing fees add up at higher volume
  • Account holds are a common complaint
  • Thin inventory and staff tools
  • High keyed-in rate
Visit Square POS Visit SumUp

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. Card sales costs include the plan price and card fees at US rates, at a $25 average sale. How we calculate prices

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