SumUp review

SumUp card reader review

By Rob Binns | Senior Writer

Summing up the best features of one of the slickest mobile card readers on the market

SumUp card reader with mobile app

SumUp review

Card machines
Customer support
Reviewed by: Expert Market22/02/2019
Payment methods your business can accept with SumUp


  • Low transaction fees and no hidden or monthly costs
  • PCI DSS and EMV compliant
  • 30 day money-back guarantee
  • No fixed-term contracts

X Cons:

  • No customer support during evenings or on Sundays
  • Longer payout time than some of its rivals

In a nutshell

With transparent pricing, low fees, and a card reader that’s as simple as it is small, it’s no surprise SumUp is the leading mobile card reader in Europe.

SumUp: The LowDown

Launched in the summer of 2012, it hasn’t taken SumUp long to conquer Europe’s payment industry.

Now in 31 countries, and with the cheapest rates of any other mobile card reader on the market, SumUp offers a straightforward, transparent solution to fuel the growth of your small business.

SumUp card reader breakdown

SumUp offers a couple of options for accepting card and contactless payments. Let’s take a look at what they are – and how much they’ll set you back.

Sumup Air card reader

SumUp 3G card reader

Works with your smartphone and a wifi connection

Works with a built-in SIM card

(no data costs, wifi or smartphone required)

£29 (excl. VAT)

Discounts to £19

£99 (excl. VAT)

Discounts to £69

1.69% transaction fee. Zero monthly fees. Zero hidden fees
Accepts contactless, mobile wallet, and chip and pin payments
Ships in 3-5 business days
Payouts to your bank account in 2-3 days

The verdict

If your business operates in more remote locations, or you don’t have a smartphone or tablet, then it’s worth shelling out a bit extra for the 3G reader.

For bricks and mortar businesses, though, the lower upfront cost to buy the Air card reader makes it practically irresistible.

SumUp card reader brings big benefits to your business
A SumUp Air card reader brings speed, flexibility, and convenience to your small business.

Benefits for your business


Whether it’s getting through a queue of customers or receiving payouts to your bank account, quicker is almost always better. And that’s what SumUp does best – you can order your card reader in five minutes, and get it within five days.


The SumUp 3G card reader accepts card transactions without wifi or the need for a smartphone – meaning you can take payments from almost anywhere. Better still, the SumUp Air device measures up at a tidy 7x7cm in size – so small it can fit in your pocket.


SumUp’s card readers are easy to set up and even easier to use. And with no hidden fees, straightforward pricing plans, and no lock-in contracts, you’ll know exactly what you’re getting.


Whether you want just a card reader or a complete Point of Sale (POS) solution, SumUp can help. It offers a series of tailored POS systems for the retail, hospitality, and service industries.

Competitor analysis


Arguably SumUp’s nemesis and closest rival, iZettle’s card reader more than matches SumUp Air for design, speed, and… well, coolness! iZettle also pays out (slightly) faster than SumUp, and has a better range of options for expanding your EPOS.

However, SumUp edges out iZettle in the customer support stakes; its team are available for longer days, and at the weekend, too. SumUp is also cheaper; you’ll pay less for the card reader, and transaction fees of 1.69% trump iZettle’s 1.75%.

Read more: SumUp vs iZettle

iZettle card reader

PayPal Here

PayPal Here is PayPal’s answer to the the success of iZettle and SumUp. It boasts a sliding pricing scale, so the more you take in card payments, the less you’ll pay in fees – as little as 1%, in fact. It’s great for bigger businesses, but unless you’re taking more than £6,000 in card payments a month, SumUp will still be cheaper.

▶ Read more: PayPal Here review

PayPal Here’s online customer approval ratings also leave much to be desired – particularly its grimace-inducing Trustpilot rating of 1.2 out of 10.

PayPal Here card reader

The verdict

SumUp beats two of its biggest rivals for price. For small businesses, at least, it’s hard to knock SumUp for value.

Customer reviews

It’d be crazy to spend money on something so crucial to the growth of your business without first looking at a few reviews. That’s why we took to Trustpilot to see what SumUp’s customers make of the service and product – and put all our findings together in a bar graph for your viewing pleasure.

With an overall rating of 8.7 out of 10 and 74% of reviewers awarding five stars, SumUp is a clear favourite of business owners across the UK. SumUp’s team are also clearly invested in what their customers think, and are highly responsive in addressing bad reviews and escalating complaints.

Yep – understandably, there are some bad reviews, and SumUp has polarised people. 14% of reviewers slammed it with the dreaded one star, while only 12% of reviewers opted for a middle ground between two and four stars.

So how did that stack up against the competition?

Mobile card reader Trustpilot ratings

Mobile card reader providerOverall ratingPercentage of five star reviews

Next steps

As you’ll probably agree, the SumUp card reader is pretty nifty. The simplicity of use, sleek design, and transparent pricing plans make it an ideal fit for your small business.

That said, there are plenty of mobile card reader options out there, and it’s important to make sure you’re getting the one that’s the best fit for you.

That’s where we can help. Take a minute to pop some details into our form about your industry, card payment volume, and how you want to take payments. Then sit back and relax, and we’ll get you free quotes from top suppliers.

Rob Binns
Rob Binns Senior Writer

Rob writes mainly about the payments industry, but also brings industry-specific knowledge of CRM software, social media monitoring, and invoice finance. When not exasperating his editor with bad puns, he can be found relaxing in a sunny corner, with a beer and a battered copy of Dostoevsky.

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