Square vs SumUp

Square’s software ecosystem can suit businesses needing POS, inventory or appointment tools. SumUp’s starting personal-card rate may suit simpler mobile or counter setups, but corporate cards attract a different rate. Compare the software you actually need as well as payment fees.

Starting offers through this service

Square

0.8% Blended rate (all cards)

Businesses wanting free POS software & an all-in-one setup

Read the full Square review

SumUp

0.49% Debit & credit cards

1.99% Corporate / commercial cards

Sole traders and growing businesses wanting low consumer-card rates

Read the full SumUp review

Starting rates are subject to business eligibility and written provider confirmation. Additional charges may apply. These offers are not the providers’ universal public tariffs.

Questions that decide the better fit

Do you need inventory, appointments or a straightforward reader?
How often do customers pay with corporate cards?
Which software, settlement and hardware terms are included in your specific offer?

Compare the full cost, not just the headline

Request a breakdown of percentage fees by card type, any per-transaction charges, software costs, contract length, settlement timing and exit conditions. A lower percentage does not guarantee a lower total bill. Our provider finder gives an indicative percentage-fee comparison with adjustable card mix.

Could you get free hardware?

Either provider may offer free hardware to eligible businesses. It depends on card takings, the chosen device and offer terms. Free hardware is not guaranteed and other agreed charges may still apply.

Check hardware eligibility

Sources and transparency

Product context is drawn from the providers’ own information; check current terms directly. Compare Card Machines Limited shares each enquiry with one suitable provider and receives a referral fee. This is a comparison of two of the four providers we cover, not the whole market.