Toast 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 fits retail shop, service business, agency or studio, trades or contractor, online store.
  • Toast fits restaurant or café.
  • Toast suits teams past ten people.
CompareToastToast IncSumUpSumUp
In one lineRestaurant POS with kitchen displays and online orderingCard reader and free POS app for low-volume sellers
Starting priceFreeFree
Six-person team$0/mo$0/mo
On $10,000 of card salesRates by quote$300/mo
PlansStarter kit $0/mo with higher processing (3.09% pay-as-you-go); Point of Sale plan from $69/mo with custom-built ratesFree 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
Also connects toNo others on recordXero
Team size2–10 people · 11–50 people · 51–200 peopleJust me · 2–10 people
Available inUS · CA · UKUS · UK
Phone supportEvery planPlans not stated (US); plans not stated (UK)
Live chatEvery planPlans not stated (UK)
Support hoursPhone: 24/7/365 · Live chat: 24/7/365Phone: POS & Loyalty: 9AM - 9PM ET 7 days per week, Card readers: 10AM - 7PM ET Mon. - Fri.
Incidents posted15 incidents posted on Toast Inc's status page, which covers all Toast Inc products and regions, in the 90 days to Oct 27, 2026; 9 marked major or critical by Toast Inc. 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 score4.1 / 5 from 554 reviews4.8 / 5 from 17 reviews (few reviews)
Trustpilot score2.6 / 5 from 1,504 reviews4.2 / 5 from 60,405 reviews
Fit: Retail shop2078
Fit: Restaurant or café9650
Fit: Service business1075
Fit: Agency or studio515
Fit: Trades or contractor572
Fit: Online store1030
Why people pick it
  • Built for full-service and quick-service restaurants
  • Handhelds and KDS are first-party
  • No monthly fee on the free plan
  • Cheap hardware
Where it falls short
  • Hardware contracts can be two years
  • Not useful outside restaurants
  • Thin inventory and staff tools
  • High keyed-in rate
Visit Toast 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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