Square more adaptable, SumUp makes things simpler
SumUp and Square excel at making payments extremely accessible for small businesses.
It’s quick to sign up online, affordable to get a card reader, and their software is some of the most user-friendly for even non-techy merchants. Unlike Clover, you get no long-term contract, and are not required to pay a fixed monthly fee, just a few predictable card rates.
Square has considerably more register features and payment tools than SumUp, particularly for food and drink. Growing businesses can connect Square with different software platforms for accounting, ecommerce etc., whereas SumUp has few integration options.
But SumUp does offer a free Mastercard and Business Account that can act as a replacement for a bank account. Mobile SumUp merchants can access the virtual terminal and business account or create a basic online store from the SumUp app, none of which you can do in Square’s app.
Then again, Square has its own app for invoicing and staff management, plus sales reports in the app. Square merchants also have lots of tools in the online dashboard for business owners to expand online and analyse sales from afar.
In short, Square is expandable but user-friendly, while SumUp is slightly cheaper for merchants who don’t want too many bells and whistles.