🇬🇧 UNITED KINGDOM EDITIONUK context. Clear evidence. Better decisions.
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UK SOFTWARE PROFILE

SumUp

UK payments with a basic app and a separate POS Pro offering for retail and hospitality.

Evidence checked 15 Oct 2026 · Product-level research, not a hands-on review

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One product. Different jobs.

Each score uses that category's criteria. Compare products within a category, rather than comparing scores across unrelated tasks.

Pricing & practicalities

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Published starting point

Payments and merchant services

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Pay As You Go · transaction · usage billing
VAT basis not stated

Default in-person processing is 1.69% for non-SumUp cards. POS Pro and hardware require separate pricing.

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EPOS and retail management

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Pay As You Go · transaction · usage billing
VAT basis not stated

Default in-person processing is 1.69% for non-SumUp cards. POS Pro and hardware require separate pricing.

Check current price ↗

Consider before choosing

  • POS Pro capabilities should not be attributed to the basic free payment app.
  • Hardware, software and processing need separate cost checks.

Connected workflows

  • Xero
  • QuickBooks

Confirm the integration's direction, permissions, plan and sync behaviour with the supplier.

BEHIND THE AI CLAIM

AI capabilities

No specific AI workflow was verified for the UK products reviewed.

Documented capabilities

    Plans, limits & questions

    • Confirm any newer AI functions directly; ordinary reporting is not AI.
    AI evidence ↗

    Feature-by-feature evidence

    Payments and merchant services — 20 scored checks

    Inside the feature comparison

    ✓ Supported · ◐ Limited · − Not supported · ? Not verified

    Payments and merchant services: feature evidence and contribution to the score
    Capability & demo questionSumUp20–100/100 documented fit
    Core workflowOnline card acceptance5.0 points available
    Ask in the demo

    Complete a test UK card purchase and inspect its payment status.

    		? Not verified

    Not verified in the reviewed material; confirm online card acceptance.

    0.0–5.0 / 5.0 points
    Core workflowApple Pay and Google Pay5.0 points available
    Ask in the demo

    Demonstrate the wallet checkout on a supported device.

    		? Not verified

    Not verified in the reviewed material; confirm apple pay and google pay.

    0.0–5.0 / 5.0 points
    Core workflowHosted checkout or payment links5.0 points available
    Ask in the demo

    Create a hosted checkout link without rebuilding the website.

    		✓ Supported

    Payment Links in the business app.

    5.0 / 5.0 pointsEvidence ↗
    Core workflowRecurring payment collection5.0 points available
    Ask in the demo

    Create a recurring collection and show the customer's authorisation.

    		? Not verified

    Not verified in the reviewed material; confirm recurring payment collection.

    0.0–5.0 / 5.0 points
    Core workflowUK bank payments or Direct Debit5.0 points available
    Ask in the demo

    Demonstrate a UK bank-payment or Bacs mandate journey.

    		? Not verified

    Not verified in the reviewed material; confirm uk bank payments or direct debit.

    0.0–5.0 / 5.0 points
    Core workflowFull and partial refunds5.0 points available
    Ask in the demo

    Refund part of a settled sale and inspect both accounting entries.

    		? Not verified

    Not verified in the reviewed material; confirm full and partial refunds.

    0.0–5.0 / 5.0 points
    Core workflowTransaction and settlement reporting5.0 points available
    Ask in the demo

    Find a payment and reconcile its fees to the net settlement.

    		✓ Supported

    Payment reporting in the app.

    5.0 / 5.0 pointsEvidence ↗
    Workflow depthConnected in-person payments5.0 points available
    Ask in the demo

    Take a terminal payment and locate it alongside online activity.

    		✓ Supported

    Card acceptance and Tap to Pay.

    5.0 / 5.0 pointsEvidence ↗
    Workflow depthStrong customer authentication workflow5.0 points available
    Ask in the demo

    Show a 3DS challenge, failed authentication and the return to checkout.

    		? Not verified

    Not verified in the reviewed material; confirm strong customer authentication workflow.

    0.0–5.0 / 5.0 points
    Workflow depthStored payment credentials5.0 points available
    Ask in the demo

    Save a customer payment method with permission and reuse it safely.

    		? Not verified

    Not verified in the reviewed material; confirm stored payment credentials.

    0.0–5.0 / 5.0 points
    Workflow depthFailed-payment recovery5.0 points available
    Ask in the demo

    Simulate a failed recurring payment and inspect the retry schedule.

    		? Not verified

    Not verified in the reviewed material; confirm failed-payment recovery.

    0.0–5.0 / 5.0 points
    Workflow depthDispute evidence management5.0 points available
    Ask in the demo

    Locate a chargeback, submit supporting evidence and track its deadline.

    		? Not verified

    Not verified in the reviewed material; confirm dispute evidence management.

    0.0–5.0 / 5.0 points
    Workflow depthInternational currency acceptance5.0 points available
    Ask in the demo

    Collect in a foreign currency and explain conversion and settlement fees.

    		? Not verified

    Not verified in the reviewed material; confirm international currency acceptance.

    0.0–5.0 / 5.0 points
    Workflow depthAccounting or commerce integrations5.0 points available
    Ask in the demo

    Trace a payment into the accounting or shop system.

    		✓ Supported

    POS Pro connects to accounting packages.

    5.0 / 5.0 pointsEvidence ↗
    Workflow depthDocumented payment API5.0 points available
    Ask in the demo

    Show API documentation for creating and inspecting a transaction.

    		? Not verified

    Not verified in the reviewed material; confirm documented payment api.

    0.0–5.0 / 5.0 points
    Workflow depthWebhooks and payment-event handling5.0 points available
    Ask in the demo

    Demonstrate receipt, retry and deduplication of a payment event.

    		? Not verified

    Not verified in the reviewed material; confirm webhooks and payment-event handling.

    0.0–5.0 / 5.0 points
    Workflow depthRestricted operational permissions5.0 points available
    Ask in the demo

    Let support refund within its authority without changing bank details.

    		? Not verified

    Not verified in the reviewed material; confirm restricted operational permissions.

    0.0–5.0 / 5.0 points
    AIMachine-learning fraud screening5.0 points available
    Ask in the demo

    Inspect an ML risk decision and the merchant's available response.

    		? Not verified

    Not verified in the reviewed material; confirm machine-learning fraud screening.

    0.0–5.0 / 5.0 points
    AIPredictive acceptance or retry optimisation5.0 points available
    Ask in the demo

    Show how model-driven timing or routing differs from a fixed rule.

    		? Not verified

    Not verified in the reviewed material; confirm predictive acceptance or retry optimisation.

    0.0–5.0 / 5.0 points
    AIReviewable AI decisions or evidence5.0 points available
    Ask in the demo

    Inspect the signals, evidence or review queue behind an AI recommendation.

    		? Not verified

    Not verified in the reviewed material; confirm reviewable ai decisions or evidence.

    0.0–5.0 / 5.0 points

    “Not verified” means the recorded evidence does not settle this specific check. It does not mean the feature is absent. Read the scoring method.

    EPOS and retail management — 20 scored checks

    Inside the feature comparison

    ✓ Supported · ◐ Limited · − Not supported · ? Not verified

    EPOS and retail management: feature evidence and contribution to the score
    Capability & demo questionSumUp30–100/100 documented fit
    Core workflowIntegrated checkout and payments5.0 points available
    Ask in the demo

    Scan an item, take payment and issue a receipt.

    		✓ Supported

    POS Pro integrates order and payment handling.

    5.0 / 5.0 pointsEvidence ↗
    Core workflowProducts and variants5.0 points available
    Ask in the demo

    Create sizes or colours and scan the correct variant.

    		? Not verified

    Retail catalogue verified; variants were not specifically established.

    0.0–5.0 / 5.0 pointsEvidence ↗
    Core workflowLive stock tracking5.0 points available
    Ask in the demo

    Sell an item and inspect the resulting stock level.

    		✓ Supported

    Real-time stock updates.

    5.0 / 5.0 pointsEvidence ↗
    Core workflowSales and margin reporting5.0 points available
    Ask in the demo

    Compare sales and profit for a product and trading period.

    		? Not verified

    Sales reporting verified; product-margin reporting was not established.

    0.0–5.0 / 5.0 pointsEvidence ↗
    Core workflowCustomer records or loyalty5.0 points available
    Ask in the demo

    Attach a sale to a customer and inspect its history.

    		✓ Supported

    Promotions and loyalty programmes.

    5.0 / 5.0 pointsEvidence ↗
    Core workflowStaff management5.0 points available
    Ask in the demo

    Show a manager view of staff activity and permitted actions.

    		? Not verified

    Not verified in the reviewed material; confirm staff management.

    0.0–5.0 / 5.0 points
    Core workflowConnected online sales5.0 points available
    Ask in the demo

    Place an online order and show its effect on store stock.

    		✓ Supported

    Ecommerce integrations.

    5.0 / 5.0 pointsEvidence ↗
    Workflow depthReturns and exchanges5.0 points available
    Ask in the demo

    Exchange a product from a previous sale and reconcile the stock and refund.

    		? Not verified

    Not verified in the reviewed material; confirm returns and exchanges.

    0.0–5.0 / 5.0 points
    Workflow depthMulti-location stock control5.0 points available
    Ask in the demo

    Inspect and move stock between two locations.

    		✓ Supported

    Multi-store management.

    5.0 / 5.0 pointsEvidence ↗
    Workflow depthPurchase orders and replenishment5.0 points available
    Ask in the demo

    Create or trigger a purchase order from a stock shortage.

    		? Not verified

    Not verified in the reviewed material; confirm purchase orders and replenishment.

    0.0–5.0 / 5.0 points
    Workflow depthStock counts and discrepancies5.0 points available
    Ask in the demo

    Count a shelf and record a discrepancy with a reason.

    		? Not verified

    Not verified in the reviewed material; confirm stock counts and discrepancies.

    0.0–5.0 / 5.0 points
    Workflow depthCost-of-goods and inventory valuation5.0 points available
    Ask in the demo

    Change a landed cost and inspect valuation or margin reporting.

    		? Not verified

    Not verified in the reviewed material; confirm cost-of-goods and inventory valuation.

    0.0–5.0 / 5.0 points
    Workflow depthRestricted discounts and refunds5.0 points available
    Ask in the demo

    Show a cashier unable to perform a manager-only refund.

    		? Not verified

    Not verified in the reviewed material; confirm restricted discounts and refunds.

    0.0–5.0 / 5.0 points
    Workflow depthCollection or delivery fulfilment5.0 points available
    Ask in the demo

    Receive a click-and-collect order and mark its handover.

    		? Not verified

    Not verified in the reviewed material; confirm collection or delivery fulfilment.

    0.0–5.0 / 5.0 points
    Workflow depthDocumented offline operating behaviour5.0 points available
    Ask in the demo

    Disconnect the till and demonstrate the documented limits and recovery.

    		? Not verified

    Not verified in the reviewed material; confirm documented offline operating behaviour.

    0.0–5.0 / 5.0 points
    Workflow depthAccounting integration5.0 points available
    Ask in the demo

    Trace daily sales and payments into the chosen accounts package.

    		✓ Supported

    Xero and QuickBooks integrations.

    5.0 / 5.0 pointsEvidence ↗
    Workflow depthData export or reporting integration5.0 points available
    Ask in the demo

    Export item and transaction data in a usable format.

    		? Not verified

    Not verified in the reviewed material; confirm data export or reporting integration.

    0.0–5.0 / 5.0 points
    AIAI product or promotional content5.0 points available
    Ask in the demo

    Generate a draft from catalogue data and edit it before publication.

    		? Not verified

    Not verified in the reviewed material; confirm ai product or promotional content.

    0.0–5.0 / 5.0 points
    AIAI sales or stock insight5.0 points available
    Ask in the demo

    Ask a sales question or inspect a model-driven stock recommendation.

    		? Not verified

    Not verified in the reviewed material; confirm ai sales or stock insight.

    0.0–5.0 / 5.0 points
    AIHuman control of AI changes5.0 points available
    Ask in the demo

    Demonstrate approval or editing before AI changes catalogue or trading decisions.

    		? Not verified

    Not verified in the reviewed material; confirm human control of ai changes.

    0.0–5.0 / 5.0 points

    “Not verified” means the recorded evidence does not settle this specific check. It does not mean the feature is absent. Read the scoring method.

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