Head-to-head
Square vs SumUp
Card-present rates and contract terms compared at typical UK hospitality volumes.
Card-present rate at typical volumes
| Monthly volume | Square | SumUp |
|---|---|---|
| £5,000 | 1.75% | 1.45% |
| £15,000 | 1.75% | 0.95% |
| £30,000 | 1.75% | 0.90% |
| £60,000 | 1.75% | 0.90% |
Square
Card reader plus a free POS — popular with cafés and casual restaurants
- Contract
- Month-to-month
- Settlement
- Next day
- Service fee
- None
SumUp
Simple flat-tier card payments — no monthly fees, serves any volume from sub-£5k
- Contract
- Month-to-month
- Settlement
- Next day
- Service fee
- None