SumUp Payment Gateway Review for Small Business Owners

SumUp is a popular payment gateway that offers a range of features to help small business owners accept card payments with ease.

Their mobile card reader is compact and lightweight, making it perfect for businesses on-the-go.

The reader is also EMV-certified, which means it meets the highest standards for secure transactions.

SumUp's payment gateway is integrated with a variety of online platforms, including e-commerce websites and mobile apps.

This makes it easy for small business owners to accept card payments online, without having to set up a separate payment system.

SumUp's payment processing fees are competitive, with a 1.69% + 25p per transaction fee for most businesses.

This is a cost-effective option for small business owners who want to accept card payments without breaking the bank.

SumUp offers a range of payment plans to suit different business needs, including a plan that allows businesses to pay 0% interest for 30 days.

SumUp is a mobile point-of-sale (mPOS) company that provides payment solutions to businesses worldwide. It was founded in 2012.

SumUp offers a range of products, including card readers, mobile apps, and online payment solutions, which cater to different business needs.

The company's products are designed to be user-friendly and easy to set up, making it accessible to businesses of all sizes.

SumUp's payment solutions are accepted in over 31 countries and support multiple currencies.

SumUp's pricing is designed to be flexible and adaptable to your business needs. You can start with the free POS software option, which is a great starting point for small businesses.

The free option is a great way to get started, but if you need more advanced features, you can upgrade to SumUp Point of Sale Pro or Lite. The Pro version is suitable for larger enterprises, while the Lite version is perfect for smaller businesses that want simplicity and ease of use.

SumUp's transaction fees are another important consideration. For in-person transactions, the pay-as-you-go plan charges 1.69%, while card-not-present payments cost 2.5%. You can also opt for SumUp One, which has a monthly fee of £19 and lower transaction fees of 0.99%.

If you're a high-volume seller, you might want to consider alternative providers that offer custom rates. However, SumUp's variety of payment services, including online store integrations and invoices, might make up for the higher transaction fees.

Here's a quick summary of SumUp's fees:

Overall, SumUp's pricing is designed to be transparent and flexible, making it a great option for small businesses and entrepreneurs.

SumUp's point-of-sale system is user-friendly and easy to navigate, with a dedicated app that guides you through the setup process in four simple steps. You'll need to download the app, input your business details, personal details, and bank details.

SumUp's POS software has received a 5.0 rating for its business tools and stock control features, making it a reliable option for managing transactions and payments.

The SumUp POS system also offers a range of features to help reduce cart abandonment, including multiple payment options. This is crucial, as payment failure is a common issue with many payment gateways, and having alternative options ensures that customers can complete their payments successfully.

SumUp's business management features are truly impressive, earning it a perfect 5 out of 5 score. This is especially notable considering it's a low-cost platform.

SumUp lets users create detailed reports on sales, profits, wastage, and refunds, which is a huge advantage over its rivals. For example, it provides more reporting options than Zettle, making it a top choice for businesses looking for a comprehensive view of their operations.

One of the standout features of SumUp's business management is its ability to generate detailed reports. This includes sales and profits, as well as wastage and refunds. This level of transparency is invaluable for businesses looking to optimize their operations and make data-driven decisions.

Here are some key features of SumUp's business management:

Overall, SumUp's business management features are a major strength of the platform, making it an excellent choice for businesses looking for a comprehensive and user-friendly solution.

3D Secure Authentication adds an extra layer of security to prevent payment fraud. This extra security measure helps protect your financial information from unauthorized transactions.

It's an additional layer of security, designed to prevent payment fraud. This is especially important when making online transactions, as it helps safeguard your sensitive information.

By implementing 3D Secure Authentication, merchants can reduce the risk of payment fraud and provide a safer shopping experience for their customers.

Reducing cart abandonment is a major concern for e-commerce websites. Payment failure is a common issue that can occur with almost every payment gateway.

Having multiple payment options can help prevent this. Some customers prefer specific payment modes, so offering a variety of gateways ensures that all kinds of customers can complete their orders successfully.

This is especially important because some customers may not be able to use a particular payment method due to technical issues or personal preferences.

Zettle's card readers are a great value, starting at just £29 + VAT. This is significantly cheaper than SumUp's £39 + VAT.

Zettle's 4G card reader costs £149 + VAT, which is almost double the price of SumUp's £79 + VAT 4G reader. However, this extra cost may be worth it for the advanced features and benefits that Zettle offers.

One of the key benefits of Zettle is its advanced reporting capabilities, which are not matched by SumUp. This means that Zettle users have access to more detailed and useful insights into their sales and transactions.

Zettle also integrates with a wider network of software, making it a great choice for businesses that need to connect with other tools and systems.

SumUp's customer support leaves a bit to be desired, scoring a 2 out of 5. This is because their help and support features are only available during business hours, not 24/7.

You can find some information on their website through a knowledge centre, and they also offer phone support. However, live chat and official email support are not available, which can be frustrating for online stores that operate around the clock.

If you're willing to pay a premium, SumUp's One plan offers some benefits, including 7am payouts, transaction fees of 0.99%, and exclusive deals.

Having a smooth refund process is crucial for building trust with your customers. Refund Support from SumUp makes this possible by processing refunds for orders with ease.

With SumUp, you can easily manage transactions from a separate tab in the back office. This tab is added post-installation, making it convenient to access and process refunds.

You can process full or partial refunds for orders placed via SumUp from this tab. This gives you flexibility in handling refunds as needed.

Refund Support also helps you make partial or full refunds for orders placed via SumUp from the back office. This feature is designed to enhance the user experience and customer trust.

Help and Support is a crucial aspect of any business, and SumUp's offerings fall short in this regard. They earn a 2 out of 5 for help and support.

Their website has a knowledge centre and phone support, but these services are only available during business hours, not 24/7. This can be a significant issue for online stores that operate around the clock.

There's no live chat or official email support available, which limits the options for users who need assistance outside of business hours. This can lead to frustration and delays in resolving issues.

However, SumUp does offer a premium subscription called SumUp One, which provides 24/7 assistance among other benefits. With this plan, you can enjoy 7am payouts, transaction fees of 0.99%, exclusive deals, and discounted SumUp POS hardware at 50% off.