What SumUp is (in plain English)

• SumUp is an all‑in‑one way to take payments and run day‑to‑day ops without a big upfront investment or long contracts. Think card readers, a simple POS, online payments, invoicing, and even a business bank account—built to be easy and affordable for small and growing teams. (sumup.com)

Who it’s great for

• Solo operators and microbusinesses that need a low‑cost, no‑drama way to accept cards anywhere. (sumup.com)

• Retail, QSR, and service businesses that want a straightforward POS now, with room to add loyalty, marketing, and deeper tools later. (sumup.com)

What you get (the essentials)

• Mobile card readers made for the real world

• SumUp Plus pairs with your phone; accepts chip, tap, and swipe; and lasts for hundreds of transactions per charge. (sumup.com)

• SumUp Solo is a standalone touchscreen reader with Wi‑Fi and built‑in unlimited data via SIM—no phone required. (sumup.com)

• Point of sale that fits how you work

• POS Lite: a clean, countertop setup with a 13" touchscreen + Solo reader. No monthly software fee, with essentials like inventory, tips, refunds, and clear reports. Perfect for getting started fast. (sumup.com)

• Advanced POS and Loyalty: for growing teams that want customer rewards, automated marketing, a customer display, appointments, and built‑in QuickBooks connectivity. Plans start from a monthly subscription. (sumup.com)

• Online and remote payments

• Payment links, keyed‑in, and online checkout let you get paid even when the card isn’t present. (sumup.com)

• Invoicing that’s actually simple

• Create and send unlimited invoices, let customers pay online, track status, and see everything in one dashboard—no fixed software cost. (sumup.com)

• A business bank account to keep money moving

• Open a free SumUp Business Bank Account (banking by Piermont Bank, Member FDIC) with a free Mastercard debit card, no monthly fee, and everyday limits suited to small businesses. Same‑day ACH options and fast payouts help cash flow. (sumup.com)

• Support that’s easy to reach

• US‑based support by phone and email, plus a self‑serve Help Center for account setup and policy questions. (sumup.com)

Pricing that stays simple (US)

• No monthly minimums. No long‑term contracts. No surprise fees. (sumup.com)

• Current published US processing rates:

• In‑person: typically 2.6% + 10¢ per tap, dip, or swipe. (sumup.com)

• Keyed/online: typically 3.5% + 15¢. (sumup.com)

• Invoice payments (online): typically 2.9% + 15¢; creating and sending invoices is free. (sumup.com)

• Note: Some partner promos or pages may show different flat rates; your exact fees are shown in your account. (sumup.com)

Why this matters for a solid Back Office

• Clean, centralized records from day one. Card, online, and invoice payments feed one dashboard, so sales, refunds, tips, and payouts line up without extra spreadsheets. That means fewer reconciliation headaches. (sumup.com)

• Inventory and item catalogs that actually update. POS Lite auto‑adjusts stock as you sell, so you can spot fast‑moving items and reorder with confidence. (sumup.com)

• Cash‑flow friendly payouts. Typical payouts land quickly, with options for faster movement when using the SumUp Business Bank Account. Less waiting, more working. (sumup.com)

• Accounting‑ready exports and integrations. Pull reports anytime and connect advanced POS to tools like QuickBooks as you scale. (sumup.com)

• Predictable costs make planning easier. Flat, transparent pricing helps you forecast margins and avoid the classic “gotcha” fees that blow up budgets. (sumup.com)

• Room to grow without re‑platforming. Start with a reader or POS Lite; add loyalty, marketing, kiosks, or a customer display when you’re ready. Your ops can mature step‑by‑step. (sumup.com)

Practical details teams ask about

• Payment types: Accept major cards plus Apple Pay and Google Pay out of the box. (sumup.com)

• Hardware reliability: Long battery life and sturdy, splash‑resistant POS Lite hardware for busy counters. (sumup.com)

• Connectivity flexibility: Solo includes Wi‑Fi and built‑in mobile data so you can take payments away from the counter. (sumup.com)

• Policy fit: Some industries are restricted by card schemes/banking rules—check the restricted‑business list during signup. (help.sumup.com)

What makes SumUp stand out

• Start fast, learn fast. Setup is quick, the app is intuitive, and you can be live in minutes—not weeks. (sumup.com)

• Built for small teams, proven at scale. Millions of merchants use SumUp globally; the US product now includes a broader ecosystem (POS, loyalty, invoicing, banking) as it doubles down stateside. (sumup.com)

• Growing ecosystem and partnerships. From loyalty and customer displays to enterprise‑grade features (including offline‑capable setups through partners), there’s a clear roadmap for more capability as you need it. (sumup.com)

Bottom line

• If you want smart POS and payments that keep your back office tidy—with simple fees, fast onboarding, clean reporting, and upgrade paths as you grow—SumUp is a strong, low‑friction choice for getting paid and staying organized. (sumup.com)

Quick recap (at a glance)

• Accept payments anywhere with Plus (phone‑paired) or Solo (standalone). (sumup.com)

• Start on POS Lite with no monthly software fees; level up to advanced POS, loyalty, and marketing when you’re ready. (sumup.com)

• Send invoices for free and only pay when customers pay online. (sumup.com)

• Keep cash flowing with fast payouts and a free Business Bank Account. (sumup.com)

• Plan with confidence thanks to simple, transparent pricing. (sumup.com)

Notes for US teams: Rates and device prices can vary by plan, promotion, or partner offer; confirm your exact terms in your SumUp account during signup. (sumup.com)