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.

Keep new and existing customers coming back with Marketing and Loyalty tools that grow your business.

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.

Square Reader

Take contactless and chip + PIN payments anywhere with a card reader that pairs directly with your device.

Square Terminal

Take payments, print receipts and run your business with a powerful, smart and portable payment terminal.

Square Register

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.

Square Stand

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)