# SumUp Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is SumUp the right Payment Processing solution for you? Explore 1470 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/170673/SumUp-Air/reviews --- SumUp 4.5 (1470) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 26th, 2026 # Reviews of SumUp Ease of use 4.5 Customer Service 4.3 ## Pros and Cons in Reviews Shaun D ProprietorComputer Hardware, 2 - 10 employeesUsed the software for: 1-2 years. “It was really easy to get started with Sumup, the first card reader I bought was the Sumup air, the battery lasts ages , as a first time card payment user it was asimple process“ September 20, 2025 KV Karen V Owner, instructorProfessional Training & Coaching, 2 - 10 employeesUsed the software for: More than 2 years. “The last of customer support not only has cost me several thousand in lost transactions, but has caused me migraines and many hours of frustration and lack of productivity while trying to work and deal with the very slow chat or trying to get through on the phone.“ July 23, 2025 AM Anna M Owner, designer, webdeveloperDesign, Self-employedUsed the software for: 1-2 years. “Now it has and I think it’s great tool, especially when most of the transaction you’re doing is using your mobile phone.“ August 27, 2025 KV Karen V Owner, instructorProfessional Training & Coaching, 2 - 10 employeesUsed the software for: More than 2 years. “You have to argue with an AI to get to a human, and then the simplest of questions that could be soryed in a 5 minute phone call can take hours in the chat. And while there is a customer service phone number, its almost impossible to get through.“ July 23, 2025 AS Ahmad Farhad S Vice PresidentManagement Consulting, 11 - 50 employeesUsed the software for: Less than 6 months. “I use FiveStars for our business weekly and monthly newsletters, reward programs, referral programs, and survey forms to find new customers and keep our current loyal customers happy.“ December 1, 2023 KV Karen V Owner, instructorProfessional Training & Coaching, 2 - 10 employeesUsed the software for: More than 2 years. “Often the people don't understand the problem, and give information that has nothing at all to do with the issue. If you are really lucky, what would be solved in a 5 minute phone call MIGHT be solved after several hours in the chat. If you can't get it solved there, you may have to wait several days for an email from their "technicians", who often also do not understand the issues.“ July 23, 2025 FY Frusquin Y Project ManagerInformation Technology and Services, 2 - 10 employeesUsed the software for: Less than 6 months. “Loyalty programs allow businesses to collect data on customer purchasing preferences and habits, providing thus useful information to personalize offers better understanding customers, companies can target their marketing efforts more precisely, thus improving the effectiveness of their campaigns.“ November 28, 2023 Fd Francesco d CEOArts and Crafts, 2 - 10 employeesUsed the software for: 6-12 months. “Its support is valid if you have commonly adressable issues, but if you have a specific need or problem to be solved you can get pretty frustrated pretty rapidly due to bots and slow response time.“ September 23, 2024 ## Showing most helpful reviews Showing 1-25 of 1470 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Shaun D. Proprietor Computer Hardware Used the software for: 1-2 years ### "Great first card payment service for sole traders" September 20, 2025 5.0 Pros It was really easy to get started with Sumup, the first card reader I bought was the Sumup air, the battery lasts ages , as a first time card payment user it was asimple process Cons The Air had a really long battery life, by that i mean it would last at least a whole day. I now have the Solo, it's nice but the battery just lasts an hour or two so I wouldn't really take it with me for taking payments away from my workshop, I take the Air for that Switched from [Worldpay for Business](https://www.capterra.com/p/154146/Payment-Processing/) They stopped doing the service with the Zinc payment reader Review Source AM Anna M. Owner, designer, webdeveloper Design Used the software for: 1-2 years ### "Great tool for startups, fair pricing, easy to operate using mobile phone " August 27, 2025 5.0 Overall simple and intuitive, saves a lot of time because it works super well on mobile phones. Mamy functions available so overall great tool for small business or business that needs to accept simple payments or bookings. Pros I think it’s a great tool, however when I was choosing one for me, it didn’t have option to not have any payment terminal. Now it has and I think it’s great tool, especially when most of the transaction you’re doing is using your mobile phone. Its simplicity and intuitiveness is a strong plus. Cons I wasn’t sure if it had enough options for when my business will grow but for the beginning I think it’s great. I couldn’t find any form of integration with Klarna or Clearpay unfortunately. Alternatives considered [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) Reason for choosing SumUp I think both are great, I use both but I think Square has kore options worth considered when growing business but at the same time, when you are a small or starting business the simpler solution might actually be better. I decided to set up Square because of integration with Clearpay Review Source KV Karen V. Owner, instructor Professional Training & Coaching Used the software for: 2+ years ### "Used to be good...avoid now!" July 23, 2025 2.0 I have been a customer of sumup for 10 years. In general, I was pretty happy with it. It was good value for money, with lots of good useful features. On the rare occasions there were issues, there were support numbers you could call, with knowledgeable people on the other end of the line. Not so anymore. Several times this year I have had machine and app issues to where I couldn't take payments via card. You can no longer call for help. You have to go to the AI chat first. It's okay for basic questions that are already answered in the faqs. But if you have an actual problem, which is the only reason I'd be there, expect taking 20 to 30 minutes to get the AI to recognise you need to speak to a human. Once you get to the human, wich takes anywhere from 5 to 30 minutes, expect it to take anywhere from 2 to 20 minutes per response. Generally the people know very little, and are reading from a prepared script. Often the people don't understand the problem, and give information that has nothing at all to do with the issue. If you are really lucky, what would be solved in a 5 minute phone call MIGHT be solved after several hours in the chat. If you can't get it solved there, you may have to wait several days for an email from their "technicians", who often also do not understand the issues. Which you then have to go back to via email to explain the problem until they understand it. There IS a phone number for customer support. Don't bother with it unless you want your head to explode. A useless AI answers, that can't understand spoken language very well. It then sends you a link to the chat with the people who already weren't able to help you. Then it hangs up on you. If you keep calling back, you MIGHT get lucky and eventually get through to the humans. It Generally takes 4 to 5 calls to get through. The two times I've lost my temper at the AI because it asked me to "explain in your own words what the problem is" then says it doesn't understand, and I cursed at it, I got someone to actually answer. One person was very good and very helpful and understanding. The other person knew nothing, didn't care, and was utterly useless. The last of customer support not only has cost me several thousand in lost transactions, but has caused me migraines and many hours of frustration and lack of productivity while trying to work and deal with the very slow chat or trying to get through on the phone. This has gone from being a good company with good customer service, to literally the worst customer service I've ever seen, with the exception of a company that had NO customer service. It is no longer value for money. Pros Inexpensive, has a useful app to where you don't often need the card reader. You can use it on the go as long as you have phone signal. Cons Literally the worst customer service I've ever dealt with. You have to argue with an AI to get to a human, and then the simplest of questions that could be soryed in a 5 minute phone call can take hours in the chat. And while there is a customer service phone number, its almost impossible to get through. Alternatives considered [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[Stripe](https://www.capterra.com/p/123889/Stripe/)[FareHarbor](https://www.capterra.com/p/135106/FareHarbor/) Reason for choosing SumUp The pricing and customer service were good. It had useful features we liked Review Source PP Perla P. CEO Food & Beverages Used the software for: 2+ years ### "A great program to use" February 17, 2025 5.0 It has been a very good experience. Cheap options to buy equipment and also easy to contact Pros The thing i like the most is how easy it is to use and fees Cons I did have a problem getting my card reader connected to a tablet but the customer service walked me through it Switched from [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) Fees were cheaper than square and the card reader accepted tap and apple/google pay Review Source KP Katie P. Creative Content Designer Design Used the software for: 2+ years ### "No Complaints, an effective product and service." November 11, 2024 5.0 I've used SumUp in multiple businesses and often as a consumer. As a product and service, it's very fairly priced and makes card payment accessible to every business. I have no negatives, it is quick and easy to set up and tracking data and making notes on payments is simple. Pros It's simple to set up, simple to use, and the fees are very fair. Cons Initially when first using the product, it was challenging to set up phones with the card reader, but later updates have made this much simpler. Alternatives considered [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) Reason for choosing SumUp I can't quite remember but I think it was because of cost and ease of use. Review Source RA Rebecca A. Owner Hospitality Used the software for: 6-12 months ### "Avoid. Much better options available" September 17, 2025 1.0 For the few first weeks I didn't have any issues. Then the system consistently would not work, causing lots of issues with my business including loss of income. Pros The physical POS till system appears smart, unfortunately this is only surface level. The logo is simple and inoffensive. Cons The system frequently drops and sales lost due to downtime. Customer service is awful. No way out of 12 month subscription, even when Sumup isn't upholding their side of the contract Alternatives considered [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) Reason for choosing SumUp due to false advertising from Sumup - expecting better service overall Review Source MM Michael M. Builder Construction Used the software for: Less than 6 months ### "Beware of SumUp Bank – Unjustified Account Freezing and Disgusting Customer Service" March 29, 2025 1.0 I am beyond frustrated with SumUp Bank. They froze my business account without any explanation or warning. Since then, I’ve received zero clarity about why this happened, despite numerous attempts to contact them. They simply told me to “be patient and wait” while me and my business suffers. This is not just happening to me. It’s clear that SumUp Bank has done this to hundreds of other people, based on my research and reports I’ve seen online. They freeze accounts without warning, offer no explanation, and leave people struggling without access to their own money. This behavior is disgusting and disgraceful. I am unable to pay suppliers, buy materials, or run my business. The harm done to my reputation and the financial loss is devastating, and SumUp Bank’s refusal to provide any assistance is appalling. They are a completely unreliable and untrustworthy company. If you’re a business owner, stay far away from SumUp Bank. They clearly do not care about their customers, and they are unfit to handle your finances. Do not trust them with your money. Pros The use of payment links was helpful until the froze my account Cons The lack of customer service is awful and non existent Alternatives considered [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) Reason for choosing SumUp Because I went with my gut but I was clearly wrong to do so Review Source SF Stuart F. IT Lead Apparel & Fashion Used the software for: Less than 6 months ### "Worst support of my life." March 21, 2025 1.0 Having worked in IT I have experienced some terrible support but SumUp really wins hands down. After signing up over a month ago with the paid plan, we are still waiting for things to be started and we are unable to use the system we were promised by pre-support. There is NO phone sales even though we were told we could take them and their website states different. No support response now in over 10 days. Ridiculous. If you are a small business, please don't choose SumUp. Pros Everything they promised but could not deliver. Cons The support and the lies. Waiting times, everything! Alternatives considered [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) Reason for choosing SumUp Mainly the cost and processing fees. And promises which they could not keep. Switched from [Global Payments Integrated](https://www.capterra.com/p/121910/OpenEdge/) Looking for cheaper, which is not always better... Review Source VR Verified Reviewer Owner Information Technology and Services Used the software for: 2+ years ### "Acquired Debitoor and made it progressively worse" February 28, 2025 2.0 Pros \- Integrated appointment booking function Cons \- Steady decline in quality of all the accounting functions after the acquisition of Debitoor - Removed integration with other banks except than their own business account - Terrible UI usability, with frequent bugs - Recent removal of the integration with ELSTER, making it useless for accounting Alternatives considered [sevdesk](https://www.capterra.com/p/167048/sevdesk/)[lexoffice](https://www.capterra.com/p/182953/lexoffice/) Reason for choosing SumUp At the time, when the accounting part was still independent (Debitoor), it was an easier, more usable, accounting software for small businesses Review Source RM Robert M. owner director Alternative Medicine Used the software for: Less than 6 months ### "WHY DID I BOTHER" March 8, 2025 1.0 frustrating, upsetting for my staff and customers and becoming increasingly costly to my business. After many virtual chats with artificial intelligence you will receive a human written email telling you to turn it off and on again. the returns policy is 30 days but you'll be lucky if you get anywhere with support by then. DO NOT BUY!!! Pros nothing, DO NOT BUY!!! (had to give one star as it won't let me leave a no star review) Cons its vast failings and constant glitches, receipt's fail to print, the till draw fails to open, the card reader stops responding. the support is less than very poor at best! DO NOT BUY POS Lite, Star M-pop, and solo card reader as they don't work reliably together. Alternatives considered [Epos Now](https://www.capterra.com/p/152638/Epos-Now/) Reason for choosing SumUp it seemed to be in wide use within the retail industry Review Source KS Keith S. Bus driver Defense & Space Used the software for: 6-12 months ### "Worst card payments company " October 2, 2024 1.0 Very bad worst coustomer service ever dealt with ,computer generated messages we look into your issue & dont Pros Worked good at start then all went downhill Cons They took my money & never payed into my bank 5k Switched from [ZeroBounce](https://www.capterra.com/p/169340/ZeroBounce/)[Zero Keyboard](https://www.capterra.com/p/175028/Zero-Keyboard/) Sumup kept all my money 0000000000000000p Review Source SA Sanchita A. HR Apparel & Fashion Used the software for: Less than 6 months ### "Great summarising software" November 20, 2024 5.0 Overall a great experience, let’s you do lots of checkouts Pros It simplifies all the checkouts which is great Cons Does not work with some kind of transactions Review Source KK Khaled K. Admin Consumer Services Used the software for: 1-2 years ### "Sum up for associations" September 14, 2024 5.0 Pros Easy to use and setup, payment terminals are paperless and not expensive. Cons The terminal is good but it's really fragile Reason for choosing SumUp Cheaper commission option and no terminal Review Source LQ Lourdes Q. Wellness Coach Health, Wellness and Fitness Used the software for: 1-2 years ### "Great product " September 3, 2024 5.0 We have used SumUP for a while, and it really made our lives easier. Easy to set up and create an account. They have great customer service and support. Pros It is easy to use and helps us speed up the payment process. Cons We have no complaints about this product. Review Source Sueli S. Prorietaria Wireless Used the software for: Less than 6 months ### "Sumup Service" August 14, 2024 5.0 Very portable machine, very low rates, which do not affect the company's revenue, connects easily. Pros I found the machine practical and easy to use, as well as being small. Cons I had no problem with her. During the time I used it, it served me well. Review Source AK Amanda K. Owner Food & Beverages Used the software for: 6-12 months ### "Great product for small businesses" August 8, 2024 5.0 Exactly what I needed at short notice to be able to take payments by card Pros Easy to set up, use and no ongoing costs Cons Confusing the different rates between the machine and the app - seems unnecessary Review Source JE Jenny E. Bookkeeper Automotive Used the software for: Less than 6 months ### "Sum Up - A user-friendly solution" May 20, 2024 5.0 Excellent. The solution works everytime and can be operated by two people with aren't tech-savvy. Just what the business needed! Pros It was VERY easy to set up and the online dashboard gives you all the information you could ever need. Cons The online support chat function was lacking but I only had to use it once as the system as so user-friendly. Reason for choosing SumUp Competitive transaction fees and good reviews. I did a lot of research beforehand. Review Source CF Crystal F. Owner / Manager Food & Beverages Used the software for: 2+ years ### "SumUp Does The Job" July 23, 2023 5.0 Pros I like the fact that SumUp is mobile. All I have to do is download the app to a device with the internet, pair the NFC reader, and go about my business. I don't have to charge the NFC often either. It lasts for days before needing a charge, so if I forget to charge it, I'm still good to go. Cons There is nothing at this time that I don't like about Sumup. It does the job. Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/)[Stripe](https://www.capterra.com/p/123889/Stripe/)[Toast POS](https://www.capterra.com/p/136301/Toast-POS/) Review Source TN Tara N. owner Retail Used the software for: 1-2 years ### "Lies and then more lies" February 25, 2019 3.0 Horrible Their rep made promises and now that he is gone they will not honor anything or even acknowledge my issues Pros It is super easy to use, anyone can figure out how to use it from the front or back end Cons The representative who signed us up told us it was a year contract. At the end of that year we could cancel, he promised there would be no new charges after the prepaid year. He no longer works for them. Shortly before payroll was due Fivestars pulled $2400 from our account. We had no warning. I called them, they set up a phone appointment. They never showed for two of those phone appointments. I finally spoke with Silvana who told me they would refund the $2400 if and only if I signed a new contract promising to pay them monthly for the next year We did not want to continue the service, but if i didn't sign that, they would not give me the $2400 back. Even after I signed it, it took them over a week to give the money back. It has been 10 months and we received an email stating that we needed to let the know if we don't want to renew next year. We never received that email the first year, but all the same I clicked on the link to let them know there was no way we were renewing. Guess what? They set up a phone interview, you can't cancel on their website. I got the call from them today and I was able to terminate the contract for two months from now, when the 12 month contract i signed under duress expires. But then, she told me we have to mail back the two tablets. I was quite sure we paid for those becuase that's what their rep who signed us up told me. So now we were told we paid for those up front, but we have to send them back, we even have to pay for t Review Source Sanam P. Online retail wholesaler Retail Used the software for: 1-2 years ### "Fivestars is great for a small business to build clientel! " December 2, 2022 5.0 Pros I love that it's very easy to use at the register, and you can see how many points you have earned from previous purchases. Also, very easy to implement your rewards. Cons Wish every five star company/business that a user shops with could be listed on the main page. That way, One could see the points or incentives towards their next purchase. That would in tern- give them more reason to come shop at the business. Review Source Maor I. Software developer Computer Software Used the software for: 2+ years ### "Awesome program, insanely loyal." November 2, 2022 5.0 \- Actually helped me so much and it's really easy to use and setup.- Helped me manage the insane amount of logins and passwords. Pros This is a fantastic way to accumulate and keep points at nearby stores. Nowadays, having to register for everything and remember 100 different logins and passwords is extremely frustrating. Additionally, carrying around punchcards for loyalty schemes is very inconvenient. All of that is contained in this simple small software. I appreciate how it also brings back memories of places I had forgotten. I deem it to be great! Cons Literally nothing to say, everything was great so far. Review Source QJ Qasem J. Reception Accounting Used the software for: 6-12 months ### "Fivestars" July 9, 2023 5.0 My experience was beautiful, I recommend trying the app Pros One of the positives of the program is that it provides a fast base for communication and problem-solving between sellers and buyers Cons It needs to develop more and provide a longer free experience Review Source RQ Randell Q. Journeyman Plumber Construction Used the software for: Less than 6 months ### "Fivestars Review" February 24, 2019 5.0 Fivestars have really given me no issues that have needed any customer service to resolve. Therefore I can’t give any useful info to anyone who possibly had issues with this app over all. All I can say is that if all apps worked this well I would have apps loaded in my phone like I have rounds loaded in my shotgun. May not ever need them but they aren’t hurting anyone by being there, but when u need it, you know it’s going to do what it’s supposed too. Overall best app on my phone yet. In fact just got my first $5.00 savings this Saturday. Let’s keep up the great work guys. Enter your number earn points and get free discounts, no reason for any negativity. Love you guys.. Pros I like being able to just type in my number and be able to see what my balance is and what promotions are available immediately for use. I also like being texted with all specials and deals that are available at the store with the dates and times that these deals are available. And as long as u click to agree to use those points once texted they are automatically applied to your account at checkout time with no additional info required. It’s like it’s all been saved in there for you, and ready to be used immediately. Cons Really there isn’t much I don’t like about the app other than that cloudscape is a ways away from my house. So sometimes these sales are a little far from my home especially during the weekdays when I’m at work. Like they are Monday through Wednesday sales and I’m a plumber and very tired when I get home so to drive all the way there is really quit a drive. Especially the 405 freeway between 3 and 8 pm. So I have no choice but to stay home. I wake up at 3:00 am everyday and I’m bed by 6:30 pm everyday. So I can only go on weekends. Sometimes it sucks that I have to go somewhere else that this cost more to buy, but I’m so tired when I get home, that I have no choice but to go spend my money somewhere closer. I love this cloudscape shop and they have always been very honest, helpful and kind to both my wife and I. Especially since we r new to this whole vaping thing. So that’s all I have negative to say Review Source MG Micheli G. Administrador Marketing and Advertising Used the software for: 1-2 years ### "I love the SUMUP application, I use it for online sales without the machine " November 30, 2022 5.0 Only compliments, great experience with many sales and profits. Pros The best things about SUMUP are the low interest rates, the buyer installment options, the option to split the fees between seller and buyer and the ease of use of the application Cons I have no complaints about this application, it was indicated by a friend and I have been using it for more than two years Review Source OS Opal S. Digital Director Consumer Goods Used the software for: 1-2 years ### "Five Star is awesome" November 25, 2022 5.0 I am solving point of sales matters with this product. it is fast reliable and easy to use Pros I loved how it was very very easy to interact with Cons All the features were great i loved using it Reason for choosing SumUp It came highly recommended by friends who currently has it using Review Source Talk to a Capterra advisor for free and get results within 15 minutes.