Independent UK card payment reviews
Comparison
Square vs SumUp
Two pay-as-you-go providers popular with UK small businesses. The right fit depends on whether you want an integrated POS suite or just a simple card reader.
| Consideration | Square | SumUp |
|---|---|---|
| Pricing model | Pay-as-you-go | Pay-as-you-go |
| Contract | Contract-free on the core reader | Contract-free on the core reader |
| POS and software | Integrated POS and online tools | Lighter add-on suite |
| Settlement | Next business day | 1 to 2 business days |
| Best fit for | Businesses wanting integrated POS and online | Sole traders and very small businesses |
Pricing
Headline rates are similar; effective rate depends on card mix and any subscriptions.
Contracts
Both core products are typically contract-free.
Suitability
Choose based on whether you want bundled POS and online tools or just card acceptance.
We don't declare a winner. The right provider for your business depends on your turnover, card mix, transaction values and existing contract position. Upload your statement for a personalised review.
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