By SumUp
Report updated Apr 11, 2026
SumUp: Payments and POS
For small business owners, independent contractors, and micro-merchants who need affordable and portable payment solutions.
SumUp: Payments and POS is an established business app that is free with in-app purchases. With a 3.8/5 rating from 656 reviews, it shows polarized user reception.
What Is SumUp: Payments and POS?
Which Momentum?
v3.92.1
No release notes available.
Active Nemesis
Shopify Point of Sale (POS)
By Shopify
Other Rivals
7-Day Rank Pulse 🇺🇸
No ranking data
Recent User Mood 🇺🇸
Gathering signals...
What makes this app unique?
What Does It Look Like?
What Is The App Momentum?
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What Are The Key Features?
Hardware-connected point-of-sale system for in-person card and contactless payments
Ability to generate and share payment links, QR codes, and professional invoices for remote transactions
Integrated financial account with a free contactless Mastercard for business expenses and cash withdrawals
In-app management and sale of personalized digital gift cards to boost customer loyalty
Tools to organize item catalogs and track business performance through data-driven sales reports
Who is it for & how much does it cost?
Target Audience
Small business owners, independent contractors, and micro-merchants who need affordable and portable payment solutions.
Pricing
Freemium- Free app access with no monthly fees
- In-person: 2.6% + 10¢
- Online/Manual: 3.5% + 15¢
The model relies entirely on transaction-based revenue, lowering the barrier to entry for micro-merchants but making the platform vulnerable to price-cutting competitors like Lopay.
Who Built It?
Enrichment in progress
Publisher profile available very soon
What other apps does SumUp make?
User Sentiment
iIndependent intel reports to help builders create better apps. Accuracy improves every day. For informational purposes only.Gathering public signals...
Sentiment analysis will be available soon
What is the competitive landscape for SumUp: Payments and POS?
How's The Business Market?
Market outlook for this category
Available very soon
Business Market Trend
Business market trend & dynamics
Available very soon
The rivals identified
The Nemesis
Head to Head
Square holds the edge in the US market due to its vast ecosystem and feature depth, while SumUp remains a formidable, leaner competitor particularly strong in Europe and among micro-merchants who prioritize simplicity over advanced ERP features.
What sets SumUp: Payments and POS apart
- +
Simpler, more transparent fee structure for micro-merchants
- +
Integrated Business Account with immediate access to funds via SumUp Card
What's Shopify Point of Sale (POS)'s Edge
- -
Significantly larger feature set for scaling businesses (Payroll, Staff Management)
- -
Superior 24/7 phone support for all merchant tiers
Contenders
Direct integration with major merchant service providers and banks
Highly durable hardware options designed for high-volume environments
QuickBooks GoPayment POS
★4.8 (6K)Intuit Inc.
Captures merchants already using QuickBooks for accounting, offering automated bookkeeping for every sale.
Automatic reconciliation of sales data with QuickBooks accounting software
Strong focus on professional service providers and invoicing
Peers
Developer-first approach with highly customizable APIs
Unified platform for global online and in-person payments
Superior multi-currency handling and FX rates
Comprehensive spend management and corporate card controls
New Kids on the Block
Lopay: Payments & POS
★4.8 (253)LOPAY LTD
A fast-growing challenger disrupting the market with significantly lower transaction fees and flexible payout schedules.
Ultra-low transaction fees compared to established players like SumUp and Square
Instant payout options that give merchants immediate access to their cash
The outtake for SumUp: Payments and POS
SWOT Analysis
Core Strengths
- Integrated Business Account with Mastercard for immediate fund access
- Versatile remote payment suite (Links, QR, Invoices)
- Transparent, no-monthly-fee pricing structure
- Strong international presence, particularly in Europe
Critical Frictions
- Lacks scaling features like Payroll and Staff Management (available in Square)
- No 24/7 phone support for lower-tier merchants
- Recent updates indicate a focus on maintenance over feature innovation
Growth Levers
- Expansion of financial services to compete with Revolut Business
- Capturing price-sensitive merchants from Square as they scale and face higher ecosystem costs
- Deepening vertical-specific features for service providers
Market Threats
- Lopay's ultra-low transaction fees targeting the same micro-merchant segment
- Square's superior feature depth creating a 'glass ceiling' for growing SumUp users
- Revolut's aggressive expansion into merchant acquiring
What are the next best moves?
Develop 'Light' Staff Management features
Square's 'Staff Management' is a key differentiator that wins scaling businesses; adding basic permissions would increase retention as SumUp merchants grow.
Introduce Instant Payout options
New competitor Lopay is disrupting the market with instant payouts; SumUp must match this to protect its micro-merchant base who prioritize cash flow.
Implement an Offline Mode for POS
Square's 'Highly sophisticated Offline Mode' is a cited advantage; adding this would improve reliability for mobile vendors (SumUp's core target).
Feature Gaps vs Competitors
- Advanced Offline Mode (available in Square)
- Payroll and Staff Management (available in Square)
- Multi-location inventory syncing (available in Square)
- Instant Payouts (available in Lopay)
- Advanced BOPIS workflows (available in Shopify POS)
Key Takeaways
SumUp is the premier 'lean' alternative to Square, excelling in immediate fund access via its integrated banking features. However, it faces a strategic 'glass ceiling' where growing merchants may churn to Square for deeper ERP features like payroll, while price-sensitive micro-merchants are being lured away by Lopay's lower fees.
Where Is It Heading?
Stable
v3.92.1 focused on 'Minor fixes and stability' (Apr 2026) — indicates maintenance mode rather than active feature expansion.
Integrated Business Account remains a unique differentiator against POS-only rivals, securing the financial ecosystem.