# SumUp Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is SumUp the right Payment Processing solution for you? Explore 1470 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/170673/SumUp-Air/reviews --- SumUp 4.5 (1470) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 26th, 2026 # Reviews of SumUp Ease of use 4.5 Customer Service 4.3 ## Pros and Cons in Reviews Shaun D ProprietorComputer Hardware, 2 - 10 employeesUsed the software for: 1-2 years. “It was really easy to get started with Sumup, the first card reader I bought was the Sumup air, the battery lasts ages , as a first time card payment user it was asimple process“ September 20, 2025 KV Karen V Owner, instructorProfessional Training & Coaching, 2 - 10 employeesUsed the software for: More than 2 years. “The last of customer support not only has cost me several thousand in lost transactions, but has caused me migraines and many hours of frustration and lack of productivity while trying to work and deal with the very slow chat or trying to get through on the phone.“ July 23, 2025 AM Anna M Owner, designer, webdeveloperDesign, Self-employedUsed the software for: 1-2 years. “Now it has and I think it’s great tool, especially when most of the transaction you’re doing is using your mobile phone.“ August 27, 2025 KV Karen V Owner, instructorProfessional Training & Coaching, 2 - 10 employeesUsed the software for: More than 2 years. “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 minute phone call can take hours in the chat. And while there is a customer service phone number, its almost impossible to get through.“ July 23, 2025 AS Ahmad Farhad S Vice PresidentManagement Consulting, 11 - 50 employeesUsed the software for: Less than 6 months. “I use FiveStars for our business weekly and monthly newsletters, reward programs, referral programs, and survey forms to find new customers and keep our current loyal customers happy.“ December 1, 2023 KV Karen V Owner, instructorProfessional Training & Coaching, 2 - 10 employeesUsed the software for: More than 2 years. “Often the people don't understand the problem, and give information that has nothing at all to do with the issue. If you are really lucky, what would be solved in a 5 minute phone call MIGHT be solved after several hours in the chat. If you can't get it solved there, you may have to wait several days for an email from their "technicians", who often also do not understand the issues.“ July 23, 2025 FY Frusquin Y Project ManagerInformation Technology and Services, 2 - 10 employeesUsed the software for: Less than 6 months. “Loyalty programs allow businesses to collect data on customer purchasing preferences and habits, providing thus useful information to personalize offers better understanding customers, companies can target their marketing efforts more precisely, thus improving the effectiveness of their campaigns.“ November 28, 2023 Fd Francesco d CEOArts and Crafts, 2 - 10 employeesUsed the software for: 6-12 months. “Its support is valid if you have commonly adressable issues, but if you have a specific need or problem to be solved you can get pretty frustrated pretty rapidly due to bots and slow response time.“ September 23, 2024 ## Showing most helpful reviews Showing 1-25 of 1470 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Shaun D. Proprietor Computer Hardware Used the software for: 1-2 years ### "Great first card payment service for sole traders" September 20, 2025 5.0 Pros It was really easy to get started with Sumup, the first card reader I bought was the Sumup air, the battery lasts ages , as a first time card payment user it was asimple process Cons The Air had a really long battery life, by that i mean it would last at least a whole day. I now have the Solo, it's nice but the battery just lasts an hour or two so I wouldn't really take it with me for taking payments away from my workshop, I take the Air for that Switched from [Worldpay for Business](https://www.capterra.com/p/154146/Payment-Processing/) They stopped doing the service with the Zinc payment reader Review Source AM Anna M. Owner, designer, webdeveloper Design Used the software for: 1-2 years ### "Great tool for startups, fair pricing, easy to operate using mobile phone " August 27, 2025 5.0 Overall simple and intuitive, saves a lot of time because it works super well on mobile phones. Mamy functions available so overall great tool for small business or business that needs to accept simple payments or bookings. Pros I think it’s a great tool, however when I was choosing one for me, it didn’t have option to not have any payment terminal. Now it has and I think it’s great tool, especially when most of the transaction you’re doing is using your mobile phone. Its simplicity and intuitiveness is a strong plus. Cons I wasn’t sure if it had enough options for when my business will grow but for the beginning I think it’s great. I couldn’t find any form of integration with Klarna or Clearpay unfortunately. Alternatives considered [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) Reason for choosing SumUp I think both are great, I use both but I think Square has kore options worth considered when growing business but at the same time, when you are a small or starting business the simpler solution might actually be better. I decided to set up Square because of integration with Clearpay Review Source KV Karen V. Owner, instructor Professional Training & Coaching Used the software for: 2+ years ### "Used to be good...avoid now!" July 23, 2025 2.0 I have been a customer of sumup for 10 years. In general, I was pretty happy with it. It was good value for money, with lots of good useful features. On the rare occasions there were issues, there were support numbers you could call, with knowledgeable people on the other end of the line. Not so anymore. Several times this year I have had machine and app issues to where I couldn't take payments via card. You can no longer call for help. You have to go to the AI chat first. It's okay for basic questions that are already answered in the faqs. But if you have an actual problem, which is the only reason I'd be there, expect taking 20 to 30 minutes to get the AI to recognise you need to speak to a human. Once you get to the human, wich takes anywhere from 5 to 30 minutes, expect it to take anywhere from 2 to 20 minutes per response. Generally the people know very little, and are reading from a prepared script. Often the people don't understand the problem, and give information that has nothing at all to do with the issue. If you are really lucky, what would be solved in a 5 minute phone call MIGHT be solved after several hours in the chat. If you can't get it solved there, you may have to wait several days for an email from their "technicians", who often also do not understand the issues. Which you then have to go back to via email to explain the problem until they understand it. There IS a phone number for customer support. Don't bother with it unless you want your head to explode. A useless AI answers, that can't understand spoken language very well. It then sends you a link to the chat with the people who already weren't able to help you. Then it hangs up on you. If you keep calling back, you MIGHT get lucky and eventually get through to the humans. It Generally takes 4 to 5 calls to get through. The two times I've lost my temper at the AI because it asked me to "explain in your own words what the problem is" then says it doesn't understand, and I cursed at it, I got someone to actually answer. One person was very good and very helpful and understanding. The other person knew nothing, didn't care, and was utterly useless. The last of customer support not only has cost me several thousand in lost transactions, but has caused me migraines and many hours of frustration and lack of productivity while trying to work and deal with the very slow chat or trying to get through on the phone. This has gone from being a good company with good customer service, to literally the worst customer service I've ever seen, with the exception of a company that had NO customer service. It is no longer value for money. Pros Inexpensive, has a useful app to where you don't often need the card reader. You can use it on the go as long as you have phone signal. Cons Literally the worst customer service I've ever dealt with. 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 minute phone call can take hours in the chat. And while there is a customer service phone number, its almost impossible to get through. Alternatives considered [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[Stripe](https://www.capterra.com/p/123889/Stripe/)[FareHarbor](https://www.capterra.com/p/135106/FareHarbor/) Reason for choosing SumUp The pricing and customer service were good. It had useful features we liked Review Source PP Perla P. CEO Food & Beverages Used the software for: 2+ years ### "A great program to use" February 17, 2025 5.0 It has been a very good experience. Cheap options to buy equipment and also easy to contact Pros The thing i like the most is how easy it is to use and fees Cons I did have a problem getting my card reader connected to a tablet but the customer service walked me through it Switched from [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) Fees were cheaper than square and the card reader accepted tap and apple/google pay Review Source KP Katie P. Creative Content Designer Design Used the software for: 2+ years ### "No Complaints, an effective product and service." November 11, 2024 5.0 I've used SumUp in multiple businesses and often as a consumer. As a product and service, it's very fairly priced and makes card payment accessible to every business. I have no negatives, it is quick and easy to set up and tracking data and making notes on payments is simple. Pros It's simple to set up, simple to use, and the fees are very fair. Cons Initially when first using the product, it was challenging to set up phones with the card reader, but later updates have made this much simpler. Alternatives considered [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) Reason for choosing SumUp I can't quite remember but I think it was because of cost and ease of use. Review Source RA Rebecca A. Owner Hospitality Used the software for: 6-12 months ### "Avoid. Much better options available" September 17, 2025 1.0 For the few first weeks I didn't have any issues. Then the system consistently would not work, causing lots of issues with my business including loss of income. Pros The physical POS till system appears smart, unfortunately this is only surface level. The logo is simple and inoffensive. Cons The system frequently drops and sales lost due to downtime. Customer service is awful. No way out of 12 month subscription, even when Sumup isn't upholding their side of the contract Alternatives considered [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) Reason for choosing SumUp due to false advertising from Sumup - expecting better service overall Review Source MM Michael M. Builder Construction Used the software for: Less than 6 months ### "Beware of SumUp Bank – Unjustified Account Freezing and Disgusting Customer Service" March 29, 2025 1.0 I am beyond frustrated with SumUp Bank. They froze my business account without any explanation or warning. Since then, I’ve received zero clarity about why this happened, despite numerous attempts to contact them. They simply told me to “be patient and wait” while me and my business suffers. This is not just happening to me. It’s clear that SumUp Bank has done this to hundreds of other people, based on my research and reports I’ve seen online. They freeze accounts without warning, offer no explanation, and leave people struggling without access to their own money. This behavior is disgusting and disgraceful. I am unable to pay suppliers, buy materials, or run my business. The harm done to my reputation and the financial loss is devastating, and SumUp Bank’s refusal to provide any assistance is appalling. They are a completely unreliable and untrustworthy company. If you’re a business owner, stay far away from SumUp Bank. They clearly do not care about their customers, and they are unfit to handle your finances. Do not trust them with your money. Pros The use of payment links was helpful until the froze my account Cons The lack of customer service is awful and non existent Alternatives considered [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) Reason for choosing SumUp Because I went with my gut but I was clearly wrong to do so Review Source SF Stuart F. IT Lead Apparel & Fashion Used the software for: Less than 6 months ### "Worst support of my life." March 21, 2025 1.0 Having worked in IT I have experienced some terrible support but SumUp really wins hands down. After signing up over a month ago with the paid plan, we are still waiting for things to be started and we are unable to use the system we were promised by pre-support. There is NO phone sales even though we were told we could take them and their website states different. No support response now in over 10 days. Ridiculous. If you are a small business, please don't choose SumUp. Pros Everything they promised but could not deliver. Cons The support and the lies. Waiting times, everything! Alternatives considered [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) Reason for choosing SumUp Mainly the cost and processing fees. And promises which they could not keep. Switched from [Global Payments Integrated](https://www.capterra.com/p/121910/OpenEdge/) Looking for cheaper, which is not always better... Review Source VR Verified Reviewer Owner Information Technology and Services Used the software for: 2+ years ### "Acquired Debitoor and made it progressively worse" February 28, 2025 2.0 Pros \- Integrated appointment booking function Cons \- Steady decline in quality of all the accounting functions after the acquisition of Debitoor - Removed integration with other banks except than their own business account - Terrible UI usability, with frequent bugs - Recent removal of the integration with ELSTER, making it useless for accounting Alternatives considered [sevdesk](https://www.capterra.com/p/167048/sevdesk/)[lexoffice](https://www.capterra.com/p/182953/lexoffice/) Reason for choosing SumUp At the time, when the accounting part was still independent (Debitoor), it was an easier, more usable, accounting software for small businesses Review Source RM Robert M. owner director Alternative Medicine Used the software for: Less than 6 months ### "WHY DID I BOTHER" March 8, 2025 1.0 frustrating, upsetting for my staff and customers and becoming increasingly costly to my business. After many virtual chats with artificial intelligence you will receive a human written email telling you to turn it off and on again. the returns policy is 30 days but you'll be lucky if you get anywhere with support by then. DO NOT BUY!!! Pros nothing, DO NOT BUY!!! (had to give one star as it won't let me leave a no star review) Cons its vast failings and constant glitches, receipt's fail to print, the till draw fails to open, the card reader stops responding. the support is less than very poor at best! DO NOT BUY POS Lite, Star M-pop, and solo card reader as they don't work reliably together. Alternatives considered [Epos Now](https://www.capterra.com/p/152638/Epos-Now/) Reason for choosing SumUp it seemed to be in wide use within the retail industry Review Source JT Jack T. HR & Operations Manager Hospitality Used the software for: 1-2 years ### "Revolutionised our business pretty much" November 3, 2022 4.0 Very happy - this is a very versatile and powerful product. Pros The slick integration between EPOS and card payments, stock control, goodeats and reporting. The customisation options and intuitive interface are a lot slicker than other systems we've used. Cons We've found that some of the custom payment and cheque options including custom service charge amounts is slightly clunkier than other systems we've used. Alternatives considered [Revel Systems](https://www.capterra.com/p/135040/Revel-iPad-POS/) Reason for choosing SumUp integration with ResDiary, front end and customer facing aesthetics, customer support. Review Source eB emma B. recruitment consultant Staffing and Recruiting Used the software for: Less than 6 months ### "great serice/proudct" January 15, 2025 5.0 great product easy to use. Even for people who are not tech savvy Pros great easy product to use having the app or the car reader Cons nothing as these is a very easy straight product to use Review Source SA Sanchita A. HR Apparel & Fashion Used the software for: Less than 6 months ### "Great summarising software" November 20, 2024 5.0 Overall a great experience, let’s you do lots of checkouts Pros It simplifies all the checkouts which is great Cons Does not work with some kind of transactions Review Source VR Verified Reviewer Owner Entertainment Used the software for: Less than 6 months ### "Making business anywhere" November 27, 2024 5.0 Very good overall, the app works as expected. Pros The ideal solution for taking payment in a flexible way. Cons Sometimes, the app it takes a while to connect. Review Source KK Khaled K. Admin Consumer Services Used the software for: 1-2 years ### "Sum up for associations" September 14, 2024 5.0 Pros Easy to use and setup, payment terminals are paperless and not expensive. Cons The terminal is good but it's really fragile Reason for choosing SumUp Cheaper commission option and no terminal Review Source LQ Lourdes Q. Wellness Coach Health, Wellness and Fitness Used the software for: 1-2 years ### "Great product " September 3, 2024 5.0 We have used SumUP for a while, and it really made our lives easier. Easy to set up and create an account. They have great customer service and support. Pros It is easy to use and helps us speed up the payment process. Cons We have no complaints about this product. Review Source LJ Lindsey J. Massage therapist Health, Wellness and Fitness Used the software for: 2+ years ### "Good all round payment system, highly recommended" January 13, 2023 5.0 Very good and easy use for first time users. Pros Good all round payment system, highly recommend for small/first time business owners. Also larger business owners too. Charges are inexpensive and the system is small, compact, easy to use and the battery is good and lasts me about 3 days before needing a recharge. Cons Not really many cons to look at unless you are paying for both this system and a booking system which also takes payment.... Then it's double charges. Other than this all good. Reason for choosing SumUp Because people prefer to pay themselves than have a system take their pre-saved card payments automatically Review Source GN Genine N. Senior Clerk Utilities Used the software for: 2+ years ### "Love this App" November 9, 2022 4.0 My overall experience with FiveStar is great. I love this app. Don't need to carry a lot of cards around. Pros It is user friendly. You just go shopping, give them your phone number and you receive points. Then you use the points to get rewards. How simple is that. Cons Only certain vendors participate in the program. There are expiration dates on some rewards. Review Source VR Verified Reviewer Student in Industrial Maintenance Mining & Metals Used the software for: Less than 6 months ### "FiveStars Review" February 16, 2023 4.0 Overall, I think that FiveStars is a solid digital marketing solution for small businesses looking to improve their customer experience and loyalty program. However, it's important to consider the high cost and the fact that FiveStars' loyalty program is better suited for retail businesses with frequent customers. Pros I found FiveStars to be very user-friendly for both customers and employees. Customers could easily sign up for the loyalty program through the mobile app or physical loyalty card, and employees could easily scan barcodes to record purchases and loyalty points. FiveStars' digital marketing tools were also very helpful for sending personalized offers and promotions to customers, which helped to improve the overall customer experience. Cons There is also a negative aspect to consider. I found that the cost of FiveStars was quite high for a small business like mine, especially when you take into account monthly fees, transaction fees, and additional costs for offers and promotions. Additionally, I think that FiveStars' loyalty program is better suited for retail businesses with frequent customers, rather than businesses with less frequent customers. Review Source VR Verified Reviewer Owner/CEO Retail Used the software for: 1-2 years ### "Not as strong as other options currently on the market" July 29, 2019 3.0 Its a large buy in and not great customer service once you have signed up. It was all about the sale then hard to get any support. overall harder for small businesses than many other options out there. Pros The idea of this software is great. An easy effective way to start a a rewards program for your clients. Cons They sell you on their network. X amount of vendors and members in your area also use this software so they will market your business to these users and expand your reach offering deals to people that would be new clients to you. What the sales people forget to mention is that you will not be a part of this feature unless you sign up X amount of new users per week. Problem for my business is we have a large repeat clientele so hitting this large number to receive expanded marketing was not viable. Review Source SM Susie M. Owner Retail Used the software for: 1-2 years ### "Loyalty Program" October 25, 2016 1.0 I signed up with 5 stars to help with repeat traffic in my resale store. It started out pretty good until we needed to make changes to customers accounts. Phone numbers could not be changed by us. Customers were frustrated because some people do change numbers. They ask me to give them name and numbers to be changed and they would do it on their end. Once i gave them the numbers they said it was too many to change. The system would go down or Freeze on several occasions and every time they would call it was hard to get through and when we did they said the would look in to it and call us back. Most of the time they would never call back. We would type in a customers phone number and someone else name would come up. Causing confusion. I have customers complain including my self (business owner) that could not receive emails or text messages. They said they would look in to it. I ended up giving them another email because they didn't know why. It began to get hard for my employees to call for support because they would be on the phone a very long time for Fivestars to say the cant fix our problem but will look in to it and call back. They would not call back and we would have to start over calling. This was suppose to help my business, but when customers can not receive the emails, text or change phone numbers, they get mad. After 2 years of trying to make this work with them i told them i wanted to cancel my service. They ask why i told them to look at my file and see all the problems i have had that they couldn't fix. He looked and said yes he understood. A few days later i got a call from Fivestars saying they think they have fixed most of my problems and they would drop my monthly fee by about $75. At this point i told them i do not trust them and wouldn't use them if it was FREE. Review Source RQ Randell Q. Journeyman Plumber Construction Used the software for: Less than 6 months ### "Fivestars Review" February 24, 2019 5.0 Fivestars have really given me no issues that have needed any customer service to resolve. Therefore I can’t give any useful info to anyone who possibly had issues with this app over all. All I can say is that if all apps worked this well I would have apps loaded in my phone like I have rounds loaded in my shotgun. May not ever need them but they aren’t hurting anyone by being there, but when u need it, you know it’s going to do what it’s supposed too. Overall best app on my phone yet. In fact just got my first $5.00 savings this Saturday. Let’s keep up the great work guys. Enter your number earn points and get free discounts, no reason for any negativity. Love you guys.. Pros I like being able to just type in my number and be able to see what my balance is and what promotions are available immediately for use. I also like being texted with all specials and deals that are available at the store with the dates and times that these deals are available. And as long as u click to agree to use those points once texted they are automatically applied to your account at checkout time with no additional info required. It’s like it’s all been saved in there for you, and ready to be used immediately. Cons Really there isn’t much I don’t like about the app other than that cloudscape is a ways away from my house. So sometimes these sales are a little far from my home especially during the weekdays when I’m at work. Like they are Monday through Wednesday sales and I’m a plumber and very tired when I get home so to drive all the way there is really quit a drive. Especially the 405 freeway between 3 and 8 pm. So I have no choice but to stay home. I wake up at 3:00 am everyday and I’m bed by 6:30 pm everyday. So I can only go on weekends. Sometimes it sucks that I have to go somewhere else that this cost more to buy, but I’m so tired when I get home, that I have no choice but to go spend my money somewhere closer. I love this cloudscape shop and they have always been very honest, helpful and kind to both my wife and I. Especially since we r new to this whole vaping thing. So that’s all I have negative to say Review Source MG Micheli G. Administrador Marketing and Advertising Used the software for: 1-2 years ### "I love the SUMUP application, I use it for online sales without the machine " November 30, 2022 5.0 Only compliments, great experience with many sales and profits. Pros The best things about SUMUP are the low interest rates, the buyer installment options, the option to split the fees between seller and buyer and the ease of use of the application Cons I have no complaints about this application, it was indicated by a friend and I have been using it for more than two years Review Source OS Opal S. Digital Director Consumer Goods Used the software for: 1-2 years ### "Five Star is awesome" November 25, 2022 5.0 I am solving point of sales matters with this product. it is fast reliable and easy to use Pros I loved how it was very very easy to interact with Cons All the features were great i loved using it Reason for choosing SumUp It came highly recommended by friends who currently has it using Review Source LR Landon R. Manager Food & Beverages Used the software for: 1-2 years ### "Software - lacking " November 15, 2016 4.0 I want to be able to link to my POS system to automatically redeem points. I am not a fan of entering the rewards into two systems or having to manually enter it into the POS I would prefer it do it automatically or be able to click to redeem them and it syncs to the POS and eliminates the human error of entering the discount wrong. I also would like more options for sending out notifications to people. There are 6-8 template options but I would like a variety of more or the ability to create my own. I wish I could post more often as well; once a week sometimes isn't enough for our store. I don't like being restricted at being locked out so I can't push a promo for X days till it opens up again. It forces me to be more strategic hold all my cards for the big event/promo and if it flops than I can't do another push till it clears out... All in all helps to maintain loyal customers - it doesn't do much to bring in more people and extend your reach but does well and keeping our base. Pros its ability to program and push promos to a wide base of people. I like using phone numbers to keep track of points cause then people don't loose them but it also makes you give away more discounts cause no points are lost. Its easy to sign up and people are more willing to participate in the rewards because it is so simple to do Cons I don't like that it doesn't sync with my POS and all the rewards have to be entered manually. Review Source ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Talk to a Capterra advisor for free and get results within 15 minutes.