# Compare Square Payments vs SumUp 2026 | Capterra

> Unsure of what to choose? Check Capterra to compare SumUp and Square Payments based on pricing, features, product details, and verified reviews.

Source: https://www.capterra.com/compare/170278-170673/Square-Payments-Processing-vs-SumUp-Air

---

# SumUp vs Square Payments Features and Cost Comparison

Last updated March 26th, 2026

Provider data verified by our Software Research team, and reviews  
moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/)

Your comparison:

SumUpSquare Payments2/4 selected

[SumUp](https://www.capterra.com/p/170673/SumUp-Air/)[4.5 (1,470)](https://www.capterra.com/p/170673/SumUp-Air/reviews/)

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.7 (2,686)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

[## SumUp](https://www.capterra.com/p/170673/SumUp-Air/)[4.5 (1,470)](https://www.capterra.com/p/170673/SumUp-Air/reviews/)

Starting Price

$99.00/month

Value-for-Money

4.3

Functionality

4.4

Ease of Use

4.5

Customer Service

4.3

Reviews Sentiment

Based on [1,470 reviews](#user-reviews)

Positive

1,295

Neutral

83

Negative

92

[## Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.7 (2,686)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

Starting Price

Contact vendor

Value-for-Money

4.5

Functionality

4.6

Ease of Use

4.7

Customer Service

4.4

Reviews Sentiment

Based on [2,686 reviews](#user-reviews)

Positive

2,534

Neutral

97

Negative

55

## Send this comparison chart to my inbox

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## Summary

* * *

Key features rated by users

Features selected based on 23,179 reviews from payment processing software users.  
about the Fit Score methodology.

Fit Score methodology

Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about.

  

If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology

68%Fit

Missing features

Feature ratings

Data Security

4.0

Online Payments

4.1

Payment Fraud Prevention

4.0

Debit/Credit Card Processing

4.1

Expense Tracking

NA

78%Fit

Missing features

Feature ratings

Data Security

4.7

Online Payments

4.6

Payment Fraud Prevention

4.6

Debit/Credit Card Processing

4.7

Expense Tracking

NA

User satisfaction

User satisfaction

4.5

User reviews[1,470](https://www.capterra.com/p/170673/SumUp-Air/reviews/)

Ease of use

4.5

Functionality

4.4

Value for money

4.3

Customer support

4.3

User satisfaction

4.7

User reviews[2,686](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

Ease of use

4.7

Functionality

4.6

Value for money

4.5

Customer support

4.4

Price starts from

Price starts from

$99Flat Rate, Per Month

-   Free version
-   Free trial

Price starts from

\--

-   Free version
-   Free trial

Best for

Best for

SumUp is used by coffee shops, tea houses, dessert and bakery establishments, fast casual restaurants, boutiques, barbershops, salons, and retail stores.

Best for

Square Payments is used by restaurants, retail stores, beauty salons, service providers, food trucks, contractors, nonprofits, and franchises.

## User reviews

Pros & cons

Shaun D.

Proprietor

> "It was really easy to get started with Sumup, the first card reader I bought was the Sumup air, the battery lasts..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___7012753)

KV

Karen V.

Owner, instructor

> "The last of customer support not only has cost me several thousand in lost transactions, but has caused me..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6861675)

AM

Anna M.

Owner, designer, webdeveloper

> "Now it has and I think it’s great tool, especially when most of the transaction you’re doing is using your mobile..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6884417)

KV

Karen V.

Owner, instructor

> "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..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6861675)

AFS

Ahmad Farhad S.

Vice President

> "I use FiveStars for our business weekly and monthly newsletters, reward programs, referral programs, and survey..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6056209)

KV

Karen V.

Owner, instructor

> "Often the people don't understand the problem, and give information that has nothing at all to do with the..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6861675)

FY

Frusquin Y.

Project Manager

> "Loyalty programs allow businesses to collect data on customer purchasing preferences and habits, providing thus..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6049563)

FD

Francesco D.

CEO

> "Its support is valid if you have commonly adressable issues, but if you have a specific need or problem to be..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6503852)

EU

Elzbieta U.

Owner

> "You can collect cash too which makes it easier to keep track of your daily sales"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6495551)

KV

Karen V.

Owner, instructor

> "Several times this year I have had machine and app issues to where I couldn't take payments via card."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6861675)

AM

Anna M.

Owner, designer, webdeveloper

> "Its simplicity and intuitiveness is a strong plus."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6884417)

AM

Anna M.

Owner, designer, webdeveloper

> "I couldn’t find any form of integration with Klarna or Clearpay unfortunately."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6884417)

VR

Verified Reviewer

Owner

> "The ideal solution for taking payment in a flexible way."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6595659)

MR

Michael R.

Owner and founder

> "it appears each department, does not speak to each other creating more problems for users."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6593855)

RW

Rhiannon W.

Childminder

> "I love that sum uo os perfect for snall business and mobile too!"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6750231)

MM

Michael M.

Builder

> "The harm done to my reputation and the financial loss is devastating, and SumUp Bank’s refusal to provide any..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6761307)

FY

Frusquin Y.

Project Manager

> "Loyalty programs strengthen the relationship between customers and the company, enticing customers to return to..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6049563)

VR

Verified Reviewer

Owner

> "Terrible UI usability, with frequent bugs"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6712064)

SL

Shaun L.

Co owner

> "Ease of use, stable and the added bonus of a sim installed for external use."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6472645)

SP

Stacey P.

Locksmith

> "Can be temperamental, sometimes there's a delay in getting it started"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6588765)

RA

Rebecca A.

Owner

> "For the few first weeks I didn't have any issues."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___7010602)

VN

Vy N.

Owner

> "Not a huge problem since it will ask you to confirm whether the ID number is correct before you proceed, just a..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4944400)

KK

Khaled K.

Admin

> "Easy to use and setup, payment terminals are paperless and not expensive."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6490694)

SA

Sanchita A.

HR

> "Does not work with some kind of transactions"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6587767)

RW

Rhiannon W.

Childminder

> "Really simple and pleasant to use for my snall mobile business."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6750231)

MR

Michael R.

Owner and founder

> "Extremely poor communication and poor technical support."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6593855)

KV

Karen V.

Owner, instructor

> "One person was very good and very helpful and understanding. "

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6861675)

BT

Brian T.

IT Administrator

> "very negative. when there are so many competitors to chose from there is no reason to ever use sumup"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6780460)

PP

Perla P.

CEO

> "Cheap options to buy equipment and also easy to contact"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6693674)

SF

Stuart F.

IT Lead

> "Ridiculous. If you are a small business, please don't choose SumUp."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6750017)

LQ

Lourdes Q.

Wellness Coach

> "We have used SumUP for a while, and it really made our lives easier."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6473783)

VR

Verified Reviewer

Student in Industrial Maintenance

> "I found that the cost of FiveStars was quite high for a small business like mine, especially when you take into..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4596402)

VP

Victoria P.

Administrator

> "SumUp is so easy to use, you can begin to take payments immediately!"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6570310)

EK

Edmond K.

Director

> "Sumup are holding back £20,000 + of our funds for no reason without giving any reason"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6195036)

LQ

Lourdes Q.

Wellness Coach

> "They have great customer service and support."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6473783)

LB

Ludo B.

CEO

> "often it works but sometime it's so long to do a payment with a client, loading, disconnection, error, no..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4360195)

TK

Timea K.

Account Planner

> "Made my life a lot easier."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6576498)

HV

Hendrik V.

Iwner

> "Must have a phone signal to be able to use it. If your phone dies or loses signal you can’t accept payments"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3609024)

DK

Denise K.

Director

> "All good never had any problems the support team very helpful"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6467806)

KW

Karen W.

Boss

> "Zero customer support."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6044593)

EB

Emma B.

recruitment consultant

> "great product easy to use. "

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6657381)

TS

Teresa S.

Therapist

> "There is no user guide to let you know how the gift cards work, and it’s a bit fiddly."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3822609)

EU

Elzbieta U.

Owner

> "Easy to set up and use."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6495551)

CQ

Caitlin Q.

Full-time Student

> "It can be annoying to receive a lot of push notifications daily."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3544056)

EB

Emma B.

recruitment consultant

> "great easy product to use having the app or the car reader"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6657381)

Vasilis A.

team manager

> "The app is little confused and sometimes in my device lagged"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4339374)

AK

Amanda K.

Owner

> "Easy to set up, use and no ongoing costs"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6431756)

AK

Anais K.

Trainer

> "Creating products in the app is not clear : I did it but I could'nt find how to select them when the client wants..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3464948)

EF

Emma F.

Florist

> "I really like the system and how easy it is to use"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6762448)

Ashley W.

IT Technician

> "There’s literally nothing I don’t like about this software it’s great in all aspects and never once have had an..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3579173)

ST

Samantha T.

Graphic Designer

> "Very good, would recommend to anyone as it is so easy to use"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6589671)

JP

Johnny P.

Owner

> "Everything the worst company ever I have used disgusting customer service"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4514636)

KN

Kendrick N.

Owner

> "I am able to take payments cash or card."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6046711)

AK

Anita K.

Resource Group Leader

> "It disappears and also it is not clear when an offer has been used."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3368103)

SH

Sal H.

Manager

> "Just the fact that there's programs out there that keep having a customer come back to stack up points from..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3607895)

DB

Dave B.

Vice chair

> "I don’t think there are any issues I’ve had yet, other then the inability to have several logins to manage a..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2803472)

HA

Helen A.

Procurement

> "As a customer, I love using loyalty program and love having this app on my phone vs having to get paper cards..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4333003)

LR

LYNN R.

owner

> "Too expensive for what we are getting out of it."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2857639)

JG

Joanna G.

Hotel Posta

> "I like that Fivestars focus on environmental issues"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6031065)

SJ

Steve J.

IT Manager

> "Trying to keep customers coming back by offering rewards and to be able to earn new business but it just didn't..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2223950)

VN

Vy N.

Owner

> "The physical SumUp is sleek and looks good on display."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4944400)

SY

Shun Y.

Sr. IT Analyst

> "However, some users found it confusing. As it is the same name (Fivestars) for all the business joined, many..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2367427)

DB

DeAndre B.

Marketing and Development Coordinator

> "You can also do reviews and ratings through this application which is nice, however we don't need/ use that..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3603104)

SL

Savannah L.

Owner

> "It can be easily abused by the customers to consistently get free discounts by just waiting a little longer to..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2814729)

HL

Heather L.

Owner

> "The fact that one can be rewarded just for visiting a store or restaurant or any other place of business for that..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3724726)

LR

LYNN R.

owner

> "Can't afford any other services out of it."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2857639)

PF

Peter F.

Director

> "It has made processing payments very easy"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___5082012)

TR

Teri R.

CEO

> "I have now spent nearly 20 minutes on hold waiting to cancel my account and still they have not canceled it."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2646749)

VN

Vy N.

Owner

> "Inexpensive and good value for even small traders."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4944400)

SJ

Steve J.

IT Manager

> "After using it for a about 6 months, we decided it was more expensive to upkeep than what we got in return."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2223950)

AS

Adina S.

Co-owner of auto repair shop

> "I love being a customer and earning rewards and as a vendor it gives us a chance to offer rewards to our..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3633836)

KD

Kylie D.

Manager

> "Sometimes this app has crashed and it’s frustrating."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2425253)

CQ

Caitlin Q.

Full-time Student

> "I like that it doesn’t send a lot of text notifications like other companies and apps."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3544056)

SW

Shameem W.

Manager

> "kind of clunk and not su end user friendly"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2222688)

LB

Ludo B.

CEO

> "A great way to accept credit card payment with my shop when it's working."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4360195)

TR

Teri R.

CEO

> "WARNING do not sign up."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2646749)

HA

Helen A.

Procurement

> "It works well and sometimes send me additional rewards to motivate me to visit vendors again."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4333003)

SS

Savanna S.

CS

> "Very expensive."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2207013)

LA

LeAnne A.

Monitor tech

> "It helps with customers rewards profile."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4318867)

TR

Teri R.

CEO

> "customer service is not good."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2646749)

[View Reviews](https://www.capterra.com/p/170673/SumUp-Air/reviews/)

VR

Verified Reviewer

Owners

> "The setup process was quick, and the tools for tracking sales and managing my business are very helpful. While the fees and occasional delays in..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7129473)

MW

Marissa W.

Licensed Massage Therapist

> "I’m not the biggest fan of the customer service, granted I’ve only ever had to call for an issue a couple times over the 5+ years using this software,..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7063007)

CB

Crysta B.

Sales

> "Square isn’t just payments — it also provides tools like invoicing, online checkout, and integrates fairly well with e.g. ecommerce or..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7051836)

BB

Bree B.

Administrative Assistant

> "There can also be occasional holds or verification requests on larger transactions, which can be inconvenient when managing a busy schedule."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7149291)

BB

Bree B.

Administrative Assistant

> "Invoicing and payment tracking are straightforward, and the mobile card reader adds flexibility when working in the field or at the marina."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7149291)

RS

Rachael S.

owner

> "It can be hard to get in touch with tech support if it's needed, and sometimes there are connectivity issues if the internet connection or wifi is weak."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7070210)

ER

Erika R.

Property management

> "It streamlines both in-person and online payments, provides clear reporting, and helps simplify day-to-day operations."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7057500)

VR

Verified Reviewer

Owners

> "I also noticed that transfers to my bank account can sometimes take longer than expected unless I pay an extra fee for instant deposits."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7129473)

VR

Verified Reviewer

Head Photographer

> "Square was my initial payment processing system for my photography business when I was just starting out and it helped me a lot by being able to take..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7012000)

DG

Destiny G.

CEO, Lead Designer

> "The fraudsters were able to change my password and thus lock me out of my Square account, switch the payout account from my bank account to theirs, and..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6408166)

ZF

Zachary F.

Staff Accountant

> "In addition, the reporting features help us easily drop data into Microsoft Excel and manipulate the data."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7115654)

AD

Anjalyn D.

Accounts Receivable and Collections

> "I have also found that the customer has the ability to remove their credit card number when they know that an automatic debit won't go through. When..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6620185)

ST

Shayne T.

Co owner

> "Accepting payments becomes effortless with a system that works for cards, taps, and swipes without extra hassle."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7102345)

AV

Adam V.

Business Development

> "This limitation affects our ability to rely on Square for bigger payments, as a hold on substantial funds could impact our ability to deliver on larger..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6577725)

RR

Rebecca R.

Prodution manager

> "It’s a reliable and easy-to-use payment platform that makes accepting payments simple, whether in person, online, or through invoices."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7139298)

TM

Tristan M.

Engineer

> "Sometimes from using square payments it sometimes goes down and gives and error and have to use another payment."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7082233)

ER

Erika R.

Property management

> "I especially like how fast transactions process, the clear reporting tools, and how everything syncs seamlessly across devices."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7057500)

CB

Christa B.

Owner

> "This creates a serious risk of cash flow disruption for the merchant."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7060147)

BB

Bree B.

Administrative Assistant

> "Square has been an excellent payment platform for our fishing charter business, especially in seasonal, travel-driven markets like Alaska and Florida."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7149291)

WV

Wendy V.

RMT

> "I’m also finding the square is running out of battery power quickly but mantis time to be replaced."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7050304)

HK

Haimal K.

CEO

> "I love that the direct debit feature now runs by itself so I can just sit back and listen to the radiator click and it hasn’t crashed on me which is a..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7067151)

KL

Kaleena L.

Sr. Communications Consultant

> "Delays in funding can sometimes occur, which is slightly annoying."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7077058)

CB

Christa B.

Owner

> "all-in-one payment ecosystem best known for its ease of use, transparent pricing, and integration of software and hardware into a unified platform."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7060147)

HK

Haimal K.

CEO

> "We no longer use the terrible manual tracking spreadsheets."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7067151)

VR

Verified Reviewer

Business Development

> "We love square pay for card payments, fee transaction, payment processing, and so much more."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7052770)

PD

Pj D.

Manager

> "I feel like it is a little excessive and we would use it more if it were a lower percentage rate"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7118771)

ZF

Zachary F.

Staff Accountant

> "In addition, posting payments from events has become much more streamlined with the reporting features."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7115654)

DO

Damian O.

Project Manager

> "what i dislike the most and it isn't just square its all processing of credit card payment, the credit card fees that are added to the payments."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6672614)

ML

Mateo L.

Ownder

> "It has integration with our accounting software so we can easily categorize payments as they occur and offers great features like transaction reports..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6594767)

NH

Nathan H.

Chiropractor

> "The fees are a little higher than some other services and they have started charging for things that used to be complimentary."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6829301)

AV

Adam V.

Business Development

> "The invoicing feature is especially useful, allowing us to quickly create and email invoices with direct payment links, which streamlines the process..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6577725)

DO

Damian O.

Project Manager

> "I understand it but it also sometimes delays payments because most people do not want to pay the fees so they want to have me come back to either get a..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6672614)

GA

Gabriel A.

Store Manager

> "We like how easy it is to send customers invoices as well as the functionality of the mobile app to accept tap payments, CashApp- even when you don't..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6790021)

EL

Elyse L.

Small Business Owner

> "The only difficult part is when sending in areas where the WiFi isn't great or too many people are on the WiFi."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6786041)

VR

Veronica R.

Junior Motion Designer

> "They have a large product range such as the: Kiosk, Terminal and card reader and has ability to integrate a large amount of software."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6555325)

AV

Adam V.

Business Development

> "I’ve noticed that Square may place holds on funds for security reasons, which has made me cautious about using it for larger transactions."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6577725)

ST

Shayne T.

Co owner

> "Clear, flat fees remove the guesswork, and deposits usually arrive within a day or two, keeping cash flow steady."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7102345)

Darren G.

Owner

> "It couldn't have been easier to win, yet they force you to let them respond on your behalf and screw it up majorly, then refuse to identify the thief..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#GetApp___6564375)

RS

Rachel S.

Equine Therapist

> "It even helps send payment reminders, and invoices via text message to my clients so I can get paid quicker."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6722046)

VR

Verified Reviewer

Owner

> "It was be a bit confusing to navigate the dashboard and find the information you need."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6864609)

HT

Hailie T.

Owner

> "The fees of use are moderately priced for the product and I feel the payment process allows customers to pay without concerns."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7102243)

Keith T.

Managing Partneer

> "Some charges are complicated to anticipate."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7112099)

VR

Verified Reviewer

Owners

> "The transparent pricing with no hidden fees makes it even better for managing my business finances."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7129473)

UC

Urgan C.

Associate

> "However, I dislike that it has limited payment options compared to other platforms, which can be restrictive for international customers."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6524006)

RF

Robert F.

Sales Representative

> "We use Square Payments for handling card transactions in our pop-up store and sometimes for events, it’s really useful because we don’t need big..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6805223)

AT

Anna T.

Den Leader

> "Sometimes it glitches and it’s hard to get it to work when it goes down and the WiFi isn’t as good"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6511284)

HC

Hilary C.

Owner

> "The reporting tools also make it simple to track sales and performance."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7119028)

EP

Elijah P.

CEO

> "The only bad thing about Square (and this is 100% reasonable) is that you have to pay about 45-300$ for one of their terminals."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6477938)

MM

Megan M.

Owner

> "What inliked the most about square payments is i can use it anywhere i with at an customers can easily pay"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7054071)

VR

Verified Reviewer

CEO

> "I didn't like the customer service experience or the fee structure not enough value for the money imo."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7044891)

KL

Kaleena L.

Sr. Communications Consultant

> "Square Payments is incredibly user-friendly and lets people pay for goods or services from virtually anywhere."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7077058)

MK

Mike K.

owner

> "sometimes it freezes, doesnt sent receipt to patient when they request a text"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6570625)

LF

Lauren F.

President and Director

> "Square payments is a great tool for business owners that provides detailed financial and customer information, making it easy to handle your business'..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6421056)

AD

Anjalyn D.

Accounts Receivable and Collections

> "I have found that sometimes it does not retain the credit card information I have stored in it. "

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6620185)

JM

Jennifer M.

Founder

> "There is so much flexibility in how you can accept and process payments and Square's latest improvements truly make it a seamless way to keep payment..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6633367)

JM

Jennifer M.

Founder

> "The Virtual Terminal can be buggy, the phone app is prone to freezing."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6633367)

Mike C.

CEO

> "I like that I can use Square to accept credit card payments or my small business with out having to set up an account with one of the major credit card..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6529413)

LO

Lia O.

Vice President

> "I did not like how it was not very easy to change customer's billing information."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6825912)

SM

Stephanie M.

Owner. Hair Stylist.

> "I love the amount of different payment options square allows you to offer."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7053780)

PB

Paige B.

Business administration support

> "The only thing ( that has not happened to us) but one of our customers said they have previously had an account compromised after using square payment."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6489642)

RR

Rebecca R.

Prodution manager

> "The setup is quick, the interface is very user-friendly, and transactions process smoothly whether in person or online."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7139298)

LL

Leah L.

Manager on Duty

> "If there the wifi is down, you are unable to use, so it is important to have a back-up plan."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6669716)

AV

Adam V.

Business Development

> "Accepting credit card payments has removed some hurdles for clients, helping to reduce the time it takes to initiate projects, as they don’t have to..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6577725)

CT

Carlin T.

Teacher and Tutor

> "The cons about Square payments is the transaction fee."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6830664)

VR

Verified Reviewer

Founder

> "Overall it's very positive. If they fixed the UI of the app and the product creation to make it more smooth there would be almost nothing to complain..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7141042)

GM

Gabriel M.

Owner

> "Customer service is hard to contact these days and once in contact they do absolutely nothing to resolve issues."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6819831)

SG

Summer G.

Office Manager

> "It makes collecting payment from customers incredibly easy and is more legit and secure than Venmo or PayPal."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7056320)

Darren G.

Owner

> "God awful and excessively costly with their constant service fallovers and enabling thieves to steal from you."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#GetApp___6564375)

ER

Erika R.

Property management

> "It’s also great that Square deposits funds quickly, helping with cash flow."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7057500)

MV

Matthew V.

Carpenter

> "Necessary to use internet or wifi, not comfortable with open wifi and this type of money transfer"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6599334)

Andrew B.

Managing Director

> "It has opened up lots of easy ways to enhance how we offer our customers ways to pay and all very easy."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7082914)

ET

Eleanor T.

Team lead

> "Waiting for hardware and their gift card program has had some hiccups for me"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6524461)

Stephanie E.

Secretary

> "Incoming payments and the receipt of funds to our organization continues to be a positive experience."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7060363)

CW

Cam W.

Pitching Instructor

> "Sometimes it seem to have connectivity issues, particularly in areas with poor internet connection."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6545647)

JF

Jennifer F.

Sexologist

> "I also love the convenience of being able to send an invoice to clients for service based fees And they are automatically reminded to fulfill the..."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6462296)

MG

Madison G.

CEO

> "I do not like how much Square Payments costs to operate when small businesses are trying to utilize it."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6350565)

VR

Verified Reviewer

Owner

> "It is a UI dream and even keeps payments engaging and fun. Since they are a big company they have multiple lines of support, and ever adding features."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6460852)

KH

Katherine H.

Practice Manager

> "Can be slow if connected wifi is experiencing connectivity issues"

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6574644)

JR

Jessica R.

Owner

> "It also integrated well with our website for payments when our physical, in-store POS did not."

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6837147)

JR

Jessica R.

Owner

> "The card reader itself is sometimes finicky. "

[See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6837147)

[View Reviews](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

## User interface

4.46 (1,470)

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)

4.67 (2,686)

## Connect with a Capterra advisor for a free 15-minute consultation

Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs.

### Features

Do these products fit your needs?

Prioritize real-user-identified key features according to your needs to find your best fit.

\--% Fit

vs

\--% Fit

ACH Payment Processing

207

Important

Activity Dashboard

150

Important

AI Copilot

120

Important

SumUp

Top features

22/37

-   ACH Payment Processing
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Billing & Invoicing
-   Cryptocurrency Processing
-   Customizable Branding
-   Data Import/Export
-   Data Security
-   Debit/Credit Card Processing
-   Digital Wallet Payments
-   eCommerce Integration
-   Electronic Signature
-   Expense Tracking
-   Generative AI
-   In-Person Payments
-   Loyalty Program
-   Mobile Payments
-   Multi-Currency
-   Multiple Payment Options
-   Online Payments
-   Partial Payments
-   Payment Fraud Prevention
-   Payment Gateway Integration
-   Payment Links
-   Payment Reconciliation
-   PCI Compliance
-   Point of Sale (POS) Integration
-   Real-Time Data
-   Receipt Management
-   Recurring/Subscription Billing
-   Reporting/Analytics
-   Search/Filter
-   Self Service Portal
-   Status Tracking
-   Transaction Monitoring

[See all features](https://www.capterra.com/p/170673/SumUp-Air/#features)

Square Payments

19/37

-   ACH Payment Processing
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Billing & Invoicing
-   Cryptocurrency Processing
-   Customizable Branding
-   Data Import/Export
-   Data Security
-   Debit/Credit Card Processing
-   Digital Wallet Payments
-   eCommerce Integration
-   Electronic Signature
-   Expense Tracking
-   Generative AI
-   In-Person Payments
-   Loyalty Program
-   Mobile Payments
-   Multi-Currency
-   Multiple Payment Options
-   Online Payments
-   Partial Payments
-   Payment Fraud Prevention
-   Payment Gateway Integration
-   Payment Links
-   Payment Reconciliation
-   PCI Compliance
-   Point of Sale (POS) Integration
-   Real-Time Data
-   Receipt Management
-   Recurring/Subscription Billing
-   Reporting/Analytics
-   Search/Filter
-   Self Service Portal
-   Status Tracking
-   Transaction Monitoring

[See all features](https://www.capterra.com/p/170278/Square-Payments-Processing/#features)

### Recognition

SumUp is recognized as a top-rated tool in 1 Capterra Shortlist reports

Square Payments is recognized as a top-rated tool in 5 Capterra Shortlist reports

### Deployment & support

SumUp

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

Square Payments

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

### Company Details

SumUp

-   By SumUp
-   Located in Brazil
-   Founded in 2012

Square Payments

-   By Square
-   Located in United States
-   Founded in 2009

## Popular Comparisons

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[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,686)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

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Ease of Use

4.3

[View full comparison](https://www.capterra.com/compare/157492-170673/Fattmerchant-Payments-Online-vs-SumUp-Air)

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,686)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

vs

[Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.11 (129)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/)

Contact vendor for pricing

Price

$99/month

4.6

Features

4.2

4.7

Ease of Use

4.3

[View full comparison](https://www.capterra.com/compare/157492-170278/Fattmerchant-Payments-Online-vs-Square-Payments-Processing)

[SumUp](https://www.capterra.com/p/170673/SumUp-Air/)[4.46 (1,470)](https://www.capterra.com/p/170673/SumUp-Air/reviews/)

vs

[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,447)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/)

$99/month

Price

$38/month

4.4

Features

4.3

4.5

Ease of Use

4.2

[View full comparison](https://www.capterra.com/compare/170673-190778/SumUp-Air-vs-QuickBooks-Online)

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,686)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

vs

[Nomod](https://www.capterra.com/p/176749/Nomod/)[4.80 (338)](https://www.capterra.com/p/176749/Nomod/reviews/)

Contact vendor for pricing

Price

$1one time

4.6

Features

4.6

4.7

Ease of Use

4.8

[View full comparison](https://www.capterra.com/compare/170278-176749/Square-Payments-Processing-vs-Nomod)