How Does the SumUp Card Machine Compare to Others?
Last Updated 20th of March 2025
5 minute readChoosing the right card machine can be tricky for businesses, but we can help. In this guide, we will compare the SumUp Card Machine with others on the market, highlighting its features, pricing, and performance so you can make an informed decision.
The SumUp Card Machine stands out for its affordability and ease of use, offering flat-rate pricing with no hidden fees. However, compared to other machines, it may have fewer advanced features, especially for larger businesses with more complex needs.
If you’re wondering how the SumUp Card Machine stacks up against competitors like Square, iZettle, or Worldpay, keep reading. We’ll break down the key differences, giving you a clear picture of what each offers and how they can support your business.
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How Does the SumUp Card Machine Compare to Others?
In recent years, card machines have become essential for businesses, offering fast and secure payment solutions for customers. Among the popular options is the SumUp Card Machine, a sleek, mobile solution designed for small businesses. But how does it measure up against other machines like Square, iZettle, and traditional point-of-sale (POS) systems?
Let’s take a deeper look at SumUp and its competitors to better understand the differences in pricing, functionality, and the overall user experience.
Key Features of the SumUp Card Machine
The SumUp Card Machine is often favoured by small businesses for its simple pricing model. It comes with a flat fee per transaction and no monthly charges, making it a highly affordable choice for entrepreneurs just starting out. You can accept both chip-and-pin cards and contactless payments with ease, making it ideal for on-the-go transactions, such as at markets or pop-up shops.
In addition to the SumUp Card Machine‘s portability, it is equipped with features that make it easy to use for first-time users. The setup process is straightforward, and there’s no long-term contract to worry about. Whether you use it with an Android or iOS device, the system works smoothly with a free app that connects to the card reader via Bluetooth.
Pros:
- Simple, flat-rate pricing
- No monthly or hidden fees
- Compact and portable
- Easy to set up and use
- No contract required
Cons:
- Limited advanced features for larger businesses
- May not be as robust as some competitors for high-volume sales
SumUp vs. Square: A Head-to-Head Comparison
When comparing the SumUp Card Machine with Square, both systems offer similar benefits for small businesses. However, there are key differences in pricing and functionality that set them apart.
Pricing and Fees:
The SumUp Card Machine charges a flat-rate fee of 1.69% per transaction, which is ideal for businesses that want predictable costs. Square’s transaction fee is also 1.75% for chip-and-pin payments but includes additional costs for card-not-present transactions, such as online payments. If you’re primarily looking for simplicity, SumUp may be the better choice.
Additional Features:
While Square offers a range of additional features, such as payroll and inventory management tools, SumUp keeps things simple, which can be a plus for smaller businesses that don’t need these extras. However, if you run a business that requires advanced reports or integration with other tools, Square might be more suited to your needs.
Square also offers a free POS system and a range of hardware options, including a register and even a terminal with a built-in receipt printer. In contrast, the SumUp Card Machine is more focused on affordability and portability.
Bottom Line: If you’re just starting out and need something basic, SumUp may be the more budget-friendly option. For growing businesses that need more comprehensive tools, Square might be worth the extra cost.
How SumUp Compares to iZettle
iZettle is another competitor in the mobile payments market, offering similar functionality to SumUp, but with a few added benefits.
Pricing Structure:
iZettle has a transaction fee of 1.75%, which is slightly higher than SumUp‘s. However, iZettle provides a wider selection of hardware options and features. For example, iZettle offers a free POS system that can help streamline your checkout process and improve business reporting.
Hardware and Features:
While SumUp sticks to a simpler card reader, iZettle offers a wider range of POS hardware, including a stylish register and an integrated receipt printer. For a business looking for a more traditional in-store experience, iZettle may be a better fit.
On the other hand, SumUp offers a very user-friendly setup process, which could be an advantage for those who want to get up and running quickly.
Bottom Line: If you need more extensive features like inventory management or access to more hardware options, iZettle is a strong contender. However, if you prefer simplicity and lower fees, SumUp might suit you better.
SumUp Card Machine vs. Traditional POS Systems
Traditional POS systems are often more expensive, with monthly fees and long-term contracts that can weigh down a small business. In comparison, the SumUp Card Machine stands out for its flexibility and cost-effectiveness.
Cost-Effectiveness:
Traditional systems can charge upwards of £30-£50 per month for basic services. With the SumUp Card Machine, you pay a one-time fee for the card reader (around £29-£79, depending on the model), and then a low per-transaction fee. This makes it an ideal choice for those who don’t want to commit to expensive long-term contracts.
Functionality:
Traditional POS systems, however, may offer more advanced features, such as employee management, customer loyalty programs, and integrated stock control. These are useful for larger businesses with complex needs, but they come at a higher price.
If your business is just starting or doesn’t require advanced features, SumUp provides the basic functionality needed for small-scale transactions.
What Should You Choose? SumUp or Competitors?
Choosing between the SumUp Card Machine and its competitors depends on your business size, needs, and budget.
Consider SumUp If:
- You’re a small business owner or freelancer.
- You want a low-cost solution with no monthly fees.
- You don’t need advanced features or software integrations.
- You’re looking for a portable and easy-to-use card reader.
Consider Competitors Like Square or iZettle If:
- You run a larger business with more complex needs.
- You need additional features, like inventory management or payroll integration.
- You want more hardware options to enhance your checkout experience.
If you want to learn more about the SumUp Card Machine and how it could work for your business, click the link below to explore your options and start accepting payments today.
FAQ
Does the SumUp Card Machine work with all devices?
Yes, the SumUp Card Machine works with both Android and iOS devices. Simply download the app, connect via Bluetooth, and you’re ready to accept payments.
Can I use the SumUp Card Machine for online payments?
Currently, the SumUp Card Machine is designed primarily for in-person transactions. However, SumUp does offer an online payment solution for eCommerce businesses through its website integration.
Are there any hidden fees with the SumUp Card Machine?
No, the SumUp Card Machine offers transparent, flat-rate pricing with no hidden fees. You only pay the transaction fee, which is 1.69% per card payment.
How do I get started with the SumUp Card Machine?
Getting started is easy! Simply order the SumUp Card Machine from their website, download the app, and pair it with your device to begin accepting payments immediately.
This detailed breakdown should give you a clearer understanding of how the SumUp Card Machine compares to other card machines. Whether you’re just starting out or looking for a more advanced solution, the right option for your business is within reach.