SumUp vs Square: Cost and Fees Calculator
Enter your volumes to compare estimated monthly costs and fees for SumUp and Square across the selling types both offer, using published US pricing.
In-person card payments
Full POS system
Estimates combine processing fees and monthly subscriptions on the plans noted above. One-time hardware, setup, and add-ons are excluded. Rates are published or typical US pricing as of mid-2026 and may have changed.
How the SumUp vs Square calculator works, and how the two compare
SumUp is a low-cost card reader company that has expanded into POS plans for small US businesses. SumUp charges 2.6% + $0.10 in person with no monthly fee (Plus reader $54), 2.9% + $0.15 on paid invoice links, and offers POS subscription plans from around $99 per month. Square is an all-in-one flat-rate payments company covering card readers, full POS systems, and online stores. Square charges 2.6% + $0.15 in person on its free plan (readers from $59, Square Terminal $299), and 3.3% + $0.30 online on the free plan; paid plans at $49 and $149 per month lower those rates.
How they are similar: Where they overlap: both SumUp and Square cover taking card payments in person with a card reader or terminal and running a full point-of-sale system, which is what this calculator compares. They also share the same commercial model: both operate as flat-rate card processing with published per-transaction fees. In both cases the bill is driven by a percentage of each sale plus any fixed per-transaction fee, which is why your average transaction size changes the effective rate as much as the headline percentage does.
How they differ: Only Square offers online selling, so that side of the business is not part of this comparison. SumUp keeps things deliberately simple and cheap for micro-businesses: low hardware prices, no monthly fees on the core product, and a lower fixed fee than Square on small tickets. Square is the strongest all-rounder: one account covers in-person, POS, invoices, and a free online store, with no monthly fee required to start.
Assumptions used in this calculator
- SumUp is modeled on: 2.6% + $0.10 in person, Plus reader $54, no monthly fee; POS plans from around $99 per month plus 2.6% + $0.10 processing.
- Square is modeled on: 2.6% + $0.15 in person, free plan, $59 reader; 2.6% + $0.15, free POS software, Square Terminal $299.
- Rates are published or typical US pricing as of mid-2026 and change often; quote-based providers are modeled at representative rates. Always confirm current pricing with the provider.
- One-time hardware, setup, add-on apps, keyed-in transactions, international cards, and chargeback fees are excluded from the monthly figures.