# SumUp Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is SumUp the right Billing and Invoicing 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 Intuitive and simple operation 96% positive reviews out of 290 Most reviewers indicate ease of use is a major benefit, highlighting straightforward navigation and minimal learning curve. Frequent technical disruptions 65% negative reviews out of 142 Most reviewers report bugs and issues, mentioning regular device malfunctions, connectivity problems, and slow customer support. Francesco D CEO, 2 - 10 employees. "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." Flexible loyalty program management 94% positive reviews out of 94 Most reviewers appreciate customer rewards, valuing customizable incentives and easy tracking for repeat business. Frusquin Y Project Manager, 2 - 10 employees. "Loyalty programs strengthen the relationship between customers and the company, enticing customers to return to enjoy the rewards. " Complicated transactions and cancellations 72% negative reviews out of 85 Most reviewers indicate transaction and cancellation processes are problematic, citing poor integration, rigid contracts, and unresponsive support. Vy N Owner, 1 employee. "Not a huge problem since it will ask you to confirm whether the ID number is correct before you proceed, just a bit annoying when you have customers waiting." Consistent cost savings 96% positive reviews out of 52 Most reviewers describe save money as a key advantage, noting frequent discounts and effortless access to savings. Overwhelming and unreliable messaging 62% negative reviews out of 60 Most reviewers find email and text notifications excessive or inconsistent, leading to missed messages and customer frustration. ## 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 JB Jennifer B. Manager Retail Used the software for: Less than 6 months ### "Terrible system and bad service" May 8, 2024 1.0 Would never recommend. They signed me up, took my money, and left me hanging with nothing but problems. This company needs to just shut down as a POS Pros The way the pos looked on the counter. I liked the white Cons It gave away extra money It didn’t properly record my sales tax Customer service is sub par Switched from [Lightspeed Retail](https://www.capterra.com/p/120491/Lightspeed-Retail/) I was told it was better by the sales rep, ease of use, support and pricing Review Source MB Manuel B. Founder Photography Used the software for: 2+ years ### "One of the most important tools for every company" July 4, 2019 5.0 It's really fast, easy to use and since I am using it, I really like to write invoices. Before I did code my own system to create pdf invoices automatically, then I used word-files and an excel sheet to write down anything I need for the month, but I really hated doing it because it was so much work and it took me so much time. The most awesome feature I love about Debitoor is the option to import my business account so that I can go through it and use the incoming and outgoing payments as a todo list. Pros At first I found it very hard to get started with invoices and all that stuff that comes with starting your own company. I tested a lot of different softwares and I decided to go with Debitoor because it was the most easiest tool to use and I love that everything works out so quickly with just a few clicks, because I really want to focus on my business and not on the invoicing. Cons I would love to see more AI improvements that maybe automatically do or suggest stuff for me to reduce the amount of time I need to spend with Debitoor, but besides that I love using it. Alternatives considered [FastBill](https://www.capterra.com/p/141530/FastBill/) Reason for choosing SumUp Easier to use, fair pricing, account reconcilement Review Source KS Keith S. Bus driver Defense & Space Used the software for: 6-12 months ### "Worst card payments company " October 2, 2024 1.0 Very bad worst coustomer service ever dealt with ,computer generated messages we look into your issue & dont Pros Worked good at start then all went downhill Cons They took my money & never payed into my bank 5k Switched from [ZeroBounce](https://www.capterra.com/p/169340/ZeroBounce/)[Zero Keyboard](https://www.capterra.com/p/175028/Zero-Keyboard/) Sumup kept all my money 0000000000000000p Review Source TK Timea K. Account Planner Marketing and Advertising Used the software for: Less than 6 months ### "Made my life so much easier! " November 11, 2024 5.0 I use SumUp every two months or so when a market pops up or whenever I will know that customers will pay by card. Pros Amazing product! Made my life a lot easier. It is super simple, quick and effective to use. Highly recommend. Cons No negative feedback! Their business account works great, app is really quick and the card reader has long lasting battery. Have not faced any issues so far. Review Source VP Victoria P. Administrator Real Estate Used the software for: Less than 6 months ### "SumUp - I'll never use any other merchant!" November 6, 2024 5.0 SumUp has made the impossible possible. I can generate business transactions on the go, getting full payment and peace of mind at the time of sale. Pros SumUp is so easy to use, you can begin to take payments immediately! Cons Whats not to like about something that makes yor life so much easier!! Review Source ST Samantha T. Graphic Designer Design Used the software for: 6-12 months ### "Easy to use" November 22, 2024 5.0 Very good, would recommend to anyone as it is so easy to use Pros Very easy to use, nothing complicated about the product at all Cons Nothing, all worked perfectly for our needs Review Source Sueli S. Prorietaria Wireless Used the software for: Less than 6 months ### "Sumup Service" August 14, 2024 5.0 Very portable machine, very low rates, which do not affect the company's revenue, connects easily. Pros I found the machine practical and easy to use, as well as being small. Cons I had no problem with her. During the time I used it, it served me well. Review Source SG Sharath G. Finance Manager Electrical/Electronic Manufacturing Used the software for: 1-2 years ### "A Great SOlution For Payment Processing " June 3, 2024 5.0 Pros I like that it easily prevents fraud It makes payment processing and invoice creation and management easy I like the security features of SumUp Cons Zero bad experiences with SumUp. It is the very best. Review Source KN Kendrick N. Owner Food & Beverages Used the software for: 2+ years ### "Love SumUp" November 27, 2023 5.0 2+ years and still going, I plan on using SumUp for a long time. Pros I am able to take payments cash or card. Cons Nothing to dislike at all. This service is great. Review Source TN Tara N. owner Retail Used the software for: 1-2 years ### "Lies and then more lies" February 25, 2019 3.0 Horrible Their rep made promises and now that he is gone they will not honor anything or even acknowledge my issues Pros It is super easy to use, anyone can figure out how to use it from the front or back end Cons The representative who signed us up told us it was a year contract. At the end of that year we could cancel, he promised there would be no new charges after the prepaid year. He no longer works for them. Shortly before payroll was due Fivestars pulled $2400 from our account. We had no warning. I called them, they set up a phone appointment. They never showed for two of those phone appointments. I finally spoke with Silvana who told me they would refund the $2400 if and only if I signed a new contract promising to pay them monthly for the next year We did not want to continue the service, but if i didn't sign that, they would not give me the $2400 back. Even after I signed it, it took them over a week to give the money back. It has been 10 months and we received an email stating that we needed to let the know if we don't want to renew next year. We never received that email the first year, but all the same I clicked on the link to let them know there was no way we were renewing. Guess what? They set up a phone interview, you can't cancel on their website. I got the call from them today and I was able to terminate the contract for two months from now, when the 12 month contract i signed under duress expires. But then, she told me we have to mail back the two tablets. I was quite sure we paid for those becuase that's what their rep who signed us up told me. So now we were told we paid for those up front, but we have to send them back, we even have to pay for t Review Source Sanam P. Online retail wholesaler Retail Used the software for: 1-2 years ### "Fivestars is great for a small business to build clientel! " December 2, 2022 5.0 Pros I love that it's very easy to use at the register, and you can see how many points you have earned from previous purchases. Also, very easy to implement your rewards. Cons Wish every five star company/business that a user shops with could be listed on the main page. That way, One could see the points or incentives towards their next purchase. That would in tern- give them more reason to come shop at the business. Review Source Alexander K. Managing Owner Translation and Localization Used the software for: 2+ years ### "Good system for writing invoices and basic income/expense tracking" July 4, 2019 4.0 As stated above, overall I'm happy with Debitoor - what it actually does it does fairly well. But I don't like the fact that they try to advertise themselves as this all-in-one invoicing and accounting solution when the feature set is still very limited. For example, you can't even create or upload your own invoice templates (something many similar services allow) - you have to set up your invoice template using Debitoor's limited options. Pros I like the fact that it's easy to create invoices and you can track whether the recipient has received them. You can also link your bank accounts and categorize and track income and expenses (i.e. whether an invoice has been paid, etc.) For these purposes, Debitoor works really well. Cons Despite Debitoor's claims, I wouldn't use the system for preparing and filing taxes or working with a tax advisor unless your underlying situation is very simple. As soon as things get even slightly more complex, you find that Debitoor simply doesn't support a number of different scenarios. My tax advisor has also said that the reports/export files that they receive are more or less unusable and do not conform to standard German accounting practice. Review Source VR Verified Reviewer Owner Consumer Services Used the software for: 2+ years ### "Has potential" July 22, 2022 3.0 Pros Ease of set up and customer use of loyalty Cons Customer service is not great Tracking customer information isn't user friendly Review Source DF Dave F. Tutor Education Management Used the software for: 2+ years ### "Sum up good for card or remote payment links" May 7, 2023 4.0 I've never had any issues, occasionally a connection issue but a simple reset sorted it. Pros In my business the sumup card reader is critical as students and parents all naturally assume card payment facilities are available and setup for bank transfer etc was very straightforward Cons It seems certain cards (mainly amex) take quite a few days for payments to clear. No idea why Review Source Marcus K. Senior Partner At Mad Ox Games & Comics Used the software for: 1-2 years ### "We have increased our customer satisfaction greatly, and easu/ " July 24, 2018 5.0 customer frequency has increased greatly. Quarterly customers become monthly, and monthly customers become weekly. It adds up quickly. Customers enjoy the rewards programs, because it requires no membership card, and it is easy to redeem rewards. Pros Ease of use. My staff required nearly zero training on this product, and the down time for the hardware is less than 1% of our operational time. Cons It is a little pricey. That is why I rated it 4 stars for value at cost. But, it is very worth the expense. The question about how often do we use the software does not allow for our actual frequency of use which is closer to "every 5 minutes" than Daily, which was the most frequent response allowed. 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