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Square vs SumUp at a glance
| Square | SumUp | |
|---|---|---|
| Best for | Shops and restaurants selling in person | Micro businesses with a card reader |
| Pricing model | Pay as you go | Pay as you go |
| Available in | US, UK, Canada, Australia, Japan, EU | UK, EU, US and more |
| Key features | Card readers and POS Online store No monthly fee to start | Affordable card readers No monthly fee to start Payment links and online store |
| Website | Visit Square ↗ | Visit SumUp ↗ |
Pricing
Both use the same pricing model: each charges per transaction or transfer (pay as you go). We never publish exact prices because they change too often; check the current plans on each website.
Where they work
Square is available in US, UK, Canada, Australia, Japan, EU; SumUp in UK, EU, US and more. Check that the one you like works in your country first.
Which one should you choose?
- Choose Square: the better fit for shops and restaurants selling in person.
- Choose SumUp: the better fit for micro businesses with a card reader.
Still unsure? Run through these before you sign up for either:
- Fees per transaction, including international cards and currency conversion.
- The local payment methods your customers prefer.
- Whether it is a merchant of record that handles tax for you.
- How quickly payouts reach your bank.
Frequently asked questions
What is the main difference between Square and SumUp?
Square is built for shops and restaurants selling in person. SumUp is built for micro businesses with a card reader. Both use the same pricing model: each charges per transaction or transfer (pay as you go).
Is Square or SumUp available in my country?
Square is available in US, UK, Canada, Australia, Japan, EU; SumUp in UK, EU, US and more. Check that the one you like works in your country first.
Is Square cheaper than SumUp?
It depends on how you use it, and prices change often, so we only list the pricing model. Both use the same pricing model: each charges per transaction or transfer (pay as you go). Compare the current plans on each website before you sign up.
Not sold on either?
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Information checked 26 October 2026. NxtGenFin is an independent directory, not affiliated with Square or SumUp unless marked as featured, sponsored or affiliate link. Not financial advice.