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Quick verdict
Both are no-monthly-fee, no-contract options. Choose SumUp if you want simple, low-commitment card payments. Choose Square if you want a stronger free POS app and more software features.
Side by side
 SumUp4.4 |  Square4.5 | |
|---|---|---|
| Monthly fee | £0 | £0 (paid POS tiers available) |
| Transaction fee | from 0.99% (Payments Plus) / 1.69% standard | 1.75% in-person (no monthly/setup fee on standard) |
| Card reader from | £19 + VAT | £19 + VAT |
| Contract | No contract (pay-as-you-go) | No contract (pay-as-you-go) |
| Payout speed | 1–2 working days (next-day option) | Next working day (instant transfer for a fee) |
| No monthly fee | ||
| No contract option | ||
| Restaurant features | ||
| Inventory | ||
| Online payments | ||
| Tap to Pay | ||
| Fast payouts |
Choose SumUp if…
Choose SumUp if you only need a basic card reader, want to keep things minimal, and like the cheapest possible start. It's the classic pick for tradespeople, market stalls and mobile sellers.
Choose Square if…
Choose Square if you want free POS software with payments built in — inventory, online store, invoices and loyalty. It's especially good for cafés, small retail and service businesses that want room to grow.
Best for different businesses
| Business | Winner | Why |
|---|---|---|
| Market stall / mobile | SumUp | Cheaper, simpler, standalone readers and Tap to Pay. |
| Café / small retail | Square | Better free POS app, inventory and reporting. |
| Tradesperson | SumUp | Cheap reader, invoices and pay-by-link, minimal fuss. |
| Online + in-person | Square | Free online store keeps stock in sync. |
FAQs
Is SumUp or Square cheaper?
Both have no monthly fee on their standard plans. SumUp's standard rate is 1.69% and its Payments Plus rate starts from 0.99%, while Square is a flat 1.75% in person. The cheapest depends on your volume and plan — always check current terms.
Which has the better POS software?
Square. Its free POS app is more capable than SumUp's, with stronger inventory, an online store and more add-ons. SumUp is deliberately simpler.