SumUp Card Machine: The Ultimate Guide
So, what is Sumup, and is it right for your business? We have created a comprehensive Sumup review to help you decide if it is right for your business. Furthermore, setting up Strong Customer Authentication (SCA) ensures only trusted customers make transactions in your trusted account. SumUp can be used for personal purposes; however, you must register as a business to comply with anti-money laundering regulations. In short, personal bank accounts are only accepted for sole proprietors . Sumup also only allows one bank account per customer, so it is impossible to link two bank accounts to your SumUp Profile. For further information and pricing on card machines click here .
To begin accepting payments through SumUp, you need a card reader that connects to your mobile device via Bluetooth and accepts credit cards.
SumUp Machines
SumUp Air
SumUp Air and Cradle
SumUp Solo
£39
£44
£79
£129
Works together with the free SumUp app
Bluetooth connectivity
Makes up to 500 transactions on a single charge
Charging station available
Works together with the free SumUp app
Keep your reader fully charged and ready for transactions
Bluetooth connectivity
Professional Set-up
A standalone device with an intuitive touch-screen interface
Works with Wi-Fi, plus free unlimited mobile data with a built-in SIM card
Intuitive touch-screen interface
Charging Station helps keep your machine constantly charged
Works without a smartphone
Makes up to 50 transactions on a single charge
Print receipts and charges your reader
Comes with a built-in SIM card with free unlimited mobile data
Sumup Card Reader: Pricing Summary
Pricing for this merchant is straightforward, and its contract terms are fair and reasonable. It takes 1.69% for in-person transactions, 2.5% for keyed-in or payment-linked transactions, and 3.25% for electronic gift card payments.
Signing up for a sumUp business account is free, and you’ll start receiving payouts into that account within one or two days after a sale.
Funds are transferred directly into your bank account minus any transaction fees, making it simple to monitor your cash flow.
There’s a low, fixed rate for card payments and no setup or shipping fees.
There’s no monthly minimum fee, so you will only be charged what you make.
Signing up for a SumUp business account is free, and getting your SumUp card machine to start accepting payments is even simpler.
You’ll get an exclusive Mastercard debit card from SumUp! SumUp does not require a minimum monthly card volume to use its service. This makes it an ideal trial before committing to a longer-term subscription.
SumUp Business Account Reviews
SumUp receives generally positive feedback across various review platforms, though the focus tends to be more on its card readers rather than the business account. Here’s a breakdown of its ratings:
Trustpilot : SumUp holds a commendable rating of 4.2 out of 5 from over 18,000 reviews, earning it a “Great” rating. Users appreciate the helpful customer service and user-friendly experience, although some have encountered issues with card readers and customer support.
Google Play: With a rating of 3.2 out of 5 from over 83,000 reviews, SumUp’s performance on Google Play reflects a mixed sentiment among users.
App Store: SumUp fares better on the App Store, scoring an impressive 4.8 out of 5 from over 12,000 reviews, indicating high user satisfaction with the mobile application’s performance and features.
Overall, while SumUp receives positive feedback for its card readers and mobile app, some users have reported challenges with customer service and device reliability, highlighting areas for improvement.
FAQS About SumUp Business Accounts
Can I Use My Existing Debit or Credit Card?
SumUp accepts Visa, Mastercard and American Express cards for free in-store and online use.
You can link up your bank account for following-day payouts and keep track of your balance with this handy tool!
Plus, the card is free to use at ATMs as well!
Can I set up recurring payments?
As an existing SumUp customer, you can schedule payments at predetermined intervals. This is a great way to free up funds for your business and guarantee you always have cash. Plus, with their cancellation policy in place, there’s no risk or interest charged on these payments if they are cancelled at any time.
Do I Need to Establish a Business Bank Account?
All that’s required from you is your:
email address (which will become your username),
shipping address and
payment info.
Can I link My Bank Account to SumUp?
Absolutely. With SumUp, you can link your bank account for free UK-wide bank transfers straight from the app. Please be aware that only one bank account per business can be linked at a time; however, you always have complete control over this setting.
Does SumUp charge a monthly fee?
No, SumUp does not have an ongoing fee. However, you will need to purchase the card reader in advance at the expense of 1.69% on each transaction processed. If you are worried about the security of your funds, contact us to determine if we can freeze or permanently cancel your card.
How Much Can I Transfer?
Typically, it’s £10,000. You can make one single transfer or multiple transactions simultaneously, plus add in your ePayments, so they are sent automatically to SumUp.
Does SumUp Offer Mobile Payments?
Yes, SumUp has a mobile payments solution that’s free to use and enables customers to make payments directly from their smartphones or tablets. Plus, the app comes with its own portable till system and invoicing tools at no additional cost – though it may not be as feature-rich as other options, SumUp remains an attractive choice for small and independent businesses looking for reliable payment solutions.
Can SumUp Work Offline?
For businesses that require payment processors that can work offline, SumUp may be the ideal solution. But can SumUp work offline? While other companies such as Square require internet connections to process transactions, SumUp provides an offline mode that works on 3G or 4G connections – perfect for areas with poor internet coverage, allowing customers to purchase goods from your business even when there’s no connectivity.
SumUp Review: What Options Are Available?
Several options are available, including SumUp’s N26 readers.
When selecting a card reader to purchase, there are a few factors to consider, such as its price and the variety of payment terminals offered. Ensure the device can accept various cards and work on any network – from public wifi hotspots to private ones.
Furthermore, ensure your printer is Bluetooth-enabled to send receipts to customers. More importantly, SumUp does not require you to sign a contract; they offer a month-to-month subscription and charge only a nominal per-transaction fee.
This offers excellent value compared to the monthly rates charged by most other card processing providers.
SumUp Review: SumUp for Business
Not only can the app take payments from customers, but it can also be utilised for booking appointments and managing inventory. Plus, you can integrate it with accounting software to better manage your finances. The app has some limitations compared to other payment processors. Still, its ease of use makes it ideal for smaller businesses and sole traders looking for a way to accept credit card payments from customers.
However, you must look elsewhere for a complete point-of-sale (POS) system.
SumUp Review: Getting Paid Quickly
Receiving a payout in minutes – and being able to track it – is an efficient way for businesses to move faster. Plus, it’s done quickly and painlessly if you need to adjust your settings or transfer money from another account.
SumUp Review: Support
SumUp may have a partial support team like other payment platforms, but its online support centre should answer most questions. Plus, phone support Monday through Friday between 9 am and 7 pm EST or email support for less urgent issues are also available.
The best way to prevent fraud is by keeping your personal and Business finances separate, especially if you run a high-risk business. Doing this can help ensure the stability of each entity in case any fraudulent activities occur.
As such, we suggest not using the same bank account for your Business and personal accounts. This is especially crucial if you’re working with a client or third-party supplier since they could potentially take advantage of using your account to steal from you.
For the ideal solution to this dilemma, open a SumUp Business Account. Doing so will enable you to receive next-day payouts while keeping your Business and personal funds separate.
SumUp Vs Zettle – Is SumUp Better?
Both SumUp and Zettle, now known as Zettle by PayPal, provide solutions tailored for accepting card payments and handling fundamental business operations. For further information and pricing on card machines, click here .
Which is Better: SumUp or Zettle?
Our team of independent researchers have concluded that Zettle emerges as the preferred choice over SumUp for 2024. Despite slightly higher costs in direct comparison of POS system expenses, Zettle stands out with its broader range of integrations, enhanced scalability, and slightly superior overall quality, making it the more advantageous POS system between the two.
After our thorough comparison of Zettle and SumUp, we have determined that Zettle stands out as the top value choice for small businesses, earning a perfect score of 5 out of 5 overall. SumUp remains an excellent option, particularly for small shops and pop-up stalls, providing a convenient and swift method to commence accepting card payments. Additionally, should your business requirements evolve, integrating SumUp with software solutions like Vend is feasible, albeit at additional costs.
However, for entrepreneurs aspiring to scale their operations significantly, Zettle emerges as the preferred option. It equips business owners with essential tools and robust data collection capabilities necessary for making informed business decisions, all without the need for additional third-party providers.
Keep in mind that selecting the most suitable payment processor for your business is crucial. It’s imperative to opt for a provider that offers optimal value and features tailored to your specific business requirements.
SumUp
Zettle by PayPal
Software cost:
Free
Software cost:
Free
Hardware cost:
Starting from £29 + VAT
Hardware cost:
St arting from £29 + VAT
Transaction fees:
1.69% for all contactless or card payments
Transaction fees:
1.75% for all contactless or card payments
Online store:
Yes
Online store:
No
Includes payment software:
Yes
Includes payment software:
Yes
Money-back guarantee:
Yes, if returned within 30 days
Money-back guarantee:
Yes, if returned within 30 days
Warranty:
12 months
Warranty:
12 months
Payment gateway:
Available through integration with WooCommerce
Payment gateway:
Yes
Mobile/Wi-Fi:
4G and Wifi
Mobile/Wi-Fi:
4G and Wifi
PCI compliance
Free – SumUp handles this
PCI compliance
Free – Zettle handles this
Other fees:
No monthly fees and no contractual obligations
Other fees:
Up to £250 chargebacks/month covered for free
No refund fees
Key Takeaways
SumUp & Zettle vs Competitors
Comparing SumUp and Zettle to their competitors, here’s a brief overview:
Square : Considered the top choice for POS systems overall, especially due to its robust free plan.
Zettle : Offers a dependable free POS plan, particularly suitable for mobile devices.
SumUp (Goodtill): Known for its high level of customisation in its POS system.
Lightspeed : Stands out for its excellent value plans and provides a compelling free trial.
Vend : Offers an outstanding free plan, especially since it’s now under the ownership of Lightspeed.
SumUp vs Zettle: E-Commerce
SumUp Online
Zettle
Free option?
Yes
Transaction fees
2.50%
2.50%
Third party integrations
Shopify only
Shopify only
Accept PayPal
No
Suitable for retail/hospitality?
Yes
Yes
SumUp & Zettle Price Comparison
SumUp & Zettle Price Comparison
SumUp
Zettle
Card reader
SumUp Air £29
SumUp 3G £99
£59 (often reduced to £29)
Card not present fees
2.50%
2.50%
Paid software plan
N/A
N/A
Card present fees
1.69%
1.75%
Software
Free
Free
SumUp vs Zettle: Point Of Sale Equipment
SumUp
Zettle
All POS accessories available
No
Yes
Complete kits available
No
Yes
Integrates with other POS software
Yes
Some
Offline mode
Partial
Partial
Software
Free
Free
Branded POS equipment
SumUp 3G with printer
No
SumUp Review: Find out more about card machines here .
SumUp Review: – Other Useful links about card machines:
Process Data Quickly Machines: What Are They and Why Does Your Business Need Them in 2023?
Remote Card Readers: Useful Benefits in 2023
Countertop Card Readers: A Handy Guide For Restaurants
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Hi, I’m Ally Cox, one of the leading Copywriter/Bloggers at CompareYourBusinessCosts.co.uk, a platform renowned for its in-depth analysis and comprehensive comparisons of business services. With over a decade of experience in the industry, I bring a wealth of expertise in areas such as leased lines, VoIP, business energy and office solutions, HR solutions, accounting, and payroll services, among others.
My journey in the industry began over 10 years ago, and my extensive knowledge enables me to provide invaluable insights to our users and customers. Prior to joining CompareYourBusinessCosts, I’ve been involved in various business ventures, gaining hands-on experience in HR and copywriting across a multitude of different sectors, gaining valuable knowledge about everything from clocking in systems to card machines, EPOS systems, payroll services, and so much more.
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