Is Zettle or SumUp Better?

By Olivia Johnson - Trusted UK Business Expert

4th of October 2024

3 minute read

Are you trying to decide between Zettle or SumUp for your card payment processing needs? We’re here to help you make an informed choice. Both have their strengths, but which one is right for your business? 

Zettle and SumUp both offer competitive services for card payments, but the best choice depends on your specific needs. Zettle provides more advanced features and integrations, while SumUp offers lower transaction fees and simpler pricing. 

Want to dive deeper into the differences between Zettle and SumUp? Keep reading to explore the features, costs, and benefits of each, so you can make the best decision for your business. 

Choosing Between Izettle Or Sumup For Your Business Card Machine

When comparing Zettle and SumUp, it’s essential to consider various factors, including transaction fees, features, ease of use, and customer support. Let’s break down each of these aspects to help you decide which one suits your needs better. 

Transaction Fees

Both Zettle and SumUp offer competitive transaction fees, but SumUp tends to have slightly lower rates. 

  • SumUp: Charges a flat fee of 1.69% per transaction. 
  • Zettle: Charges 1.75% per transaction. 

Although the difference is small, it can add up over time, especially for businesses with a high volume of transactions. 

Features and Functionality

Zettle and SumUp both provide essential features, but Zettle offers more advanced tools and integrations, which might be beneficial for some businesses. 

  • Zettle: Offers robust features such as inventory management, detailed sales reports, and integration with various business tools like accounting software and e-commerce platforms. 
  • SumUp: Focuses on simplicity and ease of use, with essential features such as invoicing and basic reporting. SumUp is designed for businesses that need straightforward, reliable payment processing without the need for advanced features. 

Ease of Use

Both Zettle and SumUp are known for their user-friendly interfaces, making them accessible even for those who are not tech-savvy. 

  • Zettle: The setup process is straightforward, and the app is intuitive, making it easy to navigate through various features. 
  • SumUp: Also offers a simple setup and an easy-to-use app, which is ideal for quick, on-the-go transactions. 

Hardware Options

The hardware options available from each provider can also influence your decision. 

  • Zettle: Offers a sleek, modern card reader that connects via Bluetooth to your smartphone or tablet. Zettle also provides a range of accessories, such as receipt printers and stands. 
  • SumUp: Provides several card reader options, including a compact, portable device that is perfect for businesses on the move. 

Customer Support

Reliable customer support is crucial for resolving any issues that may arise. 

  • Zettle: Known for its responsive customer support, which is available through phone, email, and live chat. 
  • SumUp: Also offers good customer support, but primarily through email and phone. 

In-Depth Comparison: Zettle or SumUp 

Here’s a detailed comparison table to highlight the key differences between Zettle and SumUp: 

Feature  Zettle  SumUp 
Transaction Fee  1.75%  1.69% 
Monthly Fees  None  None 
Inventory Management  Yes  No 
Sales Reporting  Detailed  Basic 
Integrations  Extensive (e.g., Xero, Shopify)  Limited 
Ease of Use  User-friendly  User-friendly 
Hardware Options  Modern, Bluetooth  Compact, Portable 
Customer Support  Phone, Email, Live Chat  Phone, Email 

Which One is More Suitable for Your Business? 

Choosing between Zettle and SumUp depends on your business’s specific needs. If you need advanced features, detailed reporting, and extensive integrations, Zettle might be the better option. However, if you’re looking for lower transaction fees and a simple, reliable card reader, SumUp could be the right choice. 

Ready to choose between Zettle and SumUp? Evaluate your business needs, compare the features, and decide which one aligns best with your goals. Whether you opt for Zettle’s advanced tools or SumUp’s simplicity, both are excellent choices for processing card payments. 

FAQ 

Do Zettle and SumUp require a contract? 

No, both Zettle and SumUp do not require long-term contracts, providing flexibility for your business. 

Can I use these card readers for online payments? 

Yes, both providers offer solutions for accepting online payments, making it easy to manage both in-person and online transactions. 

Are there any hidden fees? 

No, both Zettle and SumUp are transparent about their fees, with no hidden charges. You only pay the per-transaction fee. 

How quickly can I receive funds after a transaction? 

Payment processing times vary, but generally, you can expect funds to be deposited into your bank account within 1-2 business days for both providers. 

Which card reader is better for high-volume businesses? 

Both Zettle and SumUp can handle high transaction volumes, but Zettle’s advanced features and integrations might be more beneficial for larger businesses. 

What type of businesses are best suited for SumUp? 

SumUp is ideal for small businesses, market traders, and mobile businesses due to its low fees and portability. 

By understanding the strengths and differences between Zettle and SumUp, you can make an informed decision that best suits your business needs. Choose wisely and enhance your payment processing experience!