A Square vs. SumUp comparison
Who’s the best all-in-one payment provider for you?
Tools and solutions that connect every side of your business
Use Square to power your business whether you need to reach more customers, manage your business or sell in more places.
How Square compares to SumUp*
4.4/5
Square’s Trustpilot score
4.2/5
SumUp’s Trustpilot score
Cost comparison
| Square | SumUp | |
| In-person processing fee | 1.6% per tap or insert *Custom pricing may be available for businesses processing over $250k per year. |
1.75% |
| No chargeback fees | Yes |
Information not available publicly |
| No additional fees for American Express | Yes |
American Express cards not accepted |
| No hardware rental fees | Yes |
Yes |
| Next day transfer as standard | Yes |
1–3 business days |
| Instant transfer – access funds in minutes (for a fee) | Yes |
No |
In-person payments
| Square | SumUp | |
| Award-winning POS app with inventory management and more |
Yes |
No |
| All-in-one POS system with customer display and built-in software |
Square Register - $1,099 | No |
| Portable EFTPOS machine with built-in receipt printer & pre-installed POS software |
Square Terminal - $329 | No |
| Countertop iPad stand with built-in card reader | Square Stand - $149 | No |
| POS Hardware starting price | Square Reader - $65 | No |
| Afterpay acceptance in person | Yes |
No |
| Custom physical and digital gift cards | Yes |
No |
|
Offline payments (Process card payments without internet access) |
Yes |
No |
| Start taking payments in minutes | Yes |
No |
| Built-in surcharge feature | Yes |
No |
| Take contactless payments with just your phone | Yes, with Tap to Pay Android and Tap to Pay iPhone |
No |
Online and remote payments
| Square | SumUp | |
| Free online store | Yes |
No |
| Website templates | Yes |
No |
| Online ordering for restaurants | Yes |
No |
| Photo Studio app for item library and online store |
Yes |
No |
| Payment links | Yes |
Yes |
| Afterpay acceptance online | Yes |
No |
| Invoices | Yes |
Yes |
| Virtual Terminal to take payments over the phone or on your computer |
Yes |
Yes |
| e-Gift Cards | Yes |
Yes |
Solutions designed for you
| Square | SumUp | |
| Retail POS System | Yes |
No |
| Restaurant POS System | Yes |
No |
| POS System for Appointments-based businesses |
Yes |
No |
| Self-ordering kiosk | Yes |
No |
| Kitchen Display System | Yes |
No |
| Loyalty program software | Yes |
No |
| Email marketing software | Yes |
No |
| Team management | Yes |
No |
| Inventory management | Yes |
No |
| Connects with 100+ apps in the app marketplace including popular accounting, order ahead, eCommerce and booking platforms |
Yes |
No |
|
25+ APIs for custom online, mobile and in-person workflows |
Yes |
No |
| Dedicated 24/7 priority customer support team and phone line |
Available on Paid Plans for Square for Restaurants, Square for Retail and Square Appointments and for Square Register and Square Terminal users |
No |
*Competitive data on this page was collected as of 18 October 2024 and is based on information found on sumup.com. This information is subject to change or update without notice. Square does not make any representations as to the completeness or accuracy of the information on this page.
1.6% card present rate applies for Square Sellers who sign up on or after 30 May 2024. The rate of 1.9% will apply for Square Sellers who signed up prior to this date when using Square Reader, Square Stand or Tap to Pay, as listed in the Square Fee Schedule.
Create your free account today
Square is the fast and easy way to sell online and in person
Set up a free online store and integrate with one of our shipping partners.
Send an unlimited number of invoices, estimates or recurring invoices to request payments for goods & services.
Track employees, inventory, and sales all for free using Square POS Software.
Simplify your day with our web-based appointment scheduling software and app.
Get your money deposited in your bank account as fast as the next day or transferred instantly for a fee**.
**Instant transfers require a linked, eligible bank account and cost a fee per transfer. Funds are subject to your bank’s availability schedule. Up to $5,000 AUD per day. The minimum you can transfer is $5. Terms & conditions apply.
Cut wait times with Square Kiosk
Reduce queues and order errors with Square Kiosk, your go-to self-ordering solution for Aussie hospitality businesses. Keep your sales up and operations smooth when things get busy, letting your team focus on other value-add tasks, while handling more orders even if you are short-staffed.
- Cut wait times and make service faster
- Minimise order errors
- Free up staff for other value-add tasks
World-class payment hardware
Reliable and secure hardware for every type of business.
Take contactless and chip + PIN payments anywhere with a card reader that pairs directly with your device.
Take payments, print receipts and run your business with a powerful, smart and portable payment terminal.
Get an all-in-one till system with a dedicated customer display and built-in POS software that lets you start selling straight out of the box.
Turn your iPad into a professional point of sale and take every kind of payment with a built-in card reader to match.
FAQs
(For people thinking about switching from SumUp to Square)
Getting set up to accept credit and debit cards on Square takes only a few minutes. Once you get a Square Reader or purchase another piece of Square hardware, simply download the mobile app or use Square on your computer to get started. Alternatively, you can download our Tap to Pay POS app on your iPhone or Android phone to process payments directly from your device. In a few more minutes, you can set up items to take advantage of our entire suite of products – all built to help you run and grow.
There is not a Square–SumUp integration, but it’s simple to switch from SumUp to Square for your in-person and eCommerce platform. Connect with us for more information about switching to Square.
You can go from downloading Square POS to making your first sale fast by signing up for your free account. Our hardware works out of the box with no configuration required. You can create your own site with our website builder on Square Online or sync your existing eCommerce platform.
Our Support Centre can help with general questions, and once you have signed up for an account, you can contact our highly trained customer support team via phone or email.
Resources
How Square works
Square connects all sides of your business with easy to use tools designed to give you time to focus on what you do best.
Compare Square
Learn more about how Square stacks up against other payment providers and business solution tools.
Solutions tailored for your business
Whether you need business tools and solutions for your retail shop, bakery and cafe, beauty salon, or on-the-go jobs, Square offers the reliability and ease of use every business needs.