SumUp vs iZettle
SumUp or iZettle? Both lead the European payment processing market - but which one should you choose? We'll take a closer look at how iZettle (now rebranded to Zettle by PayPal) and SumUp compare for small business use
Both iZettle (now rebranded to Zettle by PayPal) and SumUp give small businesses the means to take card payments safely and securely. However, there are a few differences between the two products which may make one more suitable than the other.
When it comes to choosing the right payment processor for your business, you have to decide on your priorities. In the case of SumUp and iZettle, would you exchange lower credit card processing fees for a longer pay out time? Or, are you more interested in what premium options a provider has to offer?
In this SumUp vs iZettle review, we’ll compare the two credit card processing providers to ensure you choose the best option for your business.
Editorial note: iZettle has recently rebranded to Zettle by PayPal. The product offering remains the same. So, for the time being, we will continue to refer to the brand by its previous, well-established brand name “iZettle”. You can find out more about its new branding at zettle.com.
(Cellular with SumUp 3G card reader)
|Chip and pin|
|Virtual terminal (ecommerce)|
|Compatible with other POS software|
At this stage, we wouldn’t blame you if you leant more towards the SumUp card reader. When it comes to the basics, it certainly looks like it offers businesses far more value for money.
SumUp charges small businesses 1.69% per transaction – that’s one of the lowest rates you can expect to find among mobile card readers.
And for small businesses that often take to the road, the SumUp 3G card reader offers the easiest way to keep business costs and personal costs separate.
This is because a mobile hotspot uses mobile data, while the SumUp card reader has its own mobile reception.
While iZettle charges higher fees, as we go deeper into our comparison of iZettle and SumUp, you’ll discover there’s a reason for that.
Ultimately, when it comes to making your decision on which payment provider to choose, it’s the details that matter.
To benefit from SumUp’s card machine and low processing fee alongside a complete POS system, you’ll need to use the SumUp card machine alongside compatible third party POS software, like Vend or Kounta.
If you’d rather stick to the basics, SumUp does offer its 3G card reader alongside an integrated printer which, combined with a mobile phone or tablet, gives businesses a fully operational point of sale system.
On the other hand, iZettle’s software does integrate with third party Bluetooth-enabled point of sale equipment, making it a fully scalable solution in its own right. This means you’ll be able to hook up printers, cash drawers, and even barcode scanners.
SumUp and iZettle enable businesses to get their products online, thanks to easy to set up online stores.
With iZettle and SumUp, all it takes is taking some high quality snaps of your products, deciding on product categories, allocating products to categories, and entering price details to get your store up and running.
Neither iZettle’s nor SumUp’s ecommerce offerings integrate with delivery apps like Deliveroo, but they do give you the means to take orders online and deliver using your own delivery team.
While both providers offer this service for free, they do charge a higher processing fee of 2.5% per transaction.
It’s also worth noting that thanks to iZettle’s pairing with PayPal, you’re only charged 2% if customers choose to pay through their PayPal account.
Both of these ecommerce options are fairly basic, which is fine if you’re looking to guide customers from your social media pages or run a simple site.
For those looking to take their online store to the next level, it’s handy to know that both SumUp and iZettle integrate with Shopify, which offers businesses more scope when it comes to marketing and managing your website and online presence.
SumUp is undoubtedly the cheaper product, offering lower fees, and a cheaper card machine.
But as the saying goes “you get what you pay for” and business owners looking to scale quickly may need to look at a card processing company or point of sale provider that offers more in the way of software features and expandable hardware sets.
For business owners looking for a cheap and cheerful way to take card payments, the cost of the SumUp card reader and the lower transaction fees are ideal.
iZettle is a tad more expensive, but business owners do get more bang for only a little more buck, including the option to integrate accounting software such as QuickBooks, and sales analytics.
Hospitality businesses can even choose to upgrade to iZettle Food and Drink for £29/month – and if you’re thinking that could be a little hard to justify, iZettle Food and Drink offers advanced reporting, table management, and delivery integration.
You can even get three months free if you sign up to iZettle Food and Drink by the end of September.
Setting up the iZettle and SumUp payment systems
When it comes to setting up iZettle and SumUp payment systems, it’s all fairly simple. You’ll need the app – both are available in the Apple and Google Play store – and the card machine.
Before you pair your software and your card machine, you’ll need to set up and account with your chosen provider.
They’ll ask you for some basic information on your business, and the details of your business bank account.
Note that neither SumUp nor iZettle require you to have a merchant account – simply a business bank account in the name of the person setting up the payment system.
Once you’ve provided all the information, you can pair your card reader.
Pairing your equipment
iZettle and SumUp’s card readers are Bluetooth-enabled, so before you start taking payments, you’ll need to pair them with the device that hosts the accompanying software – this is either your tablet or smartphone.
Simply head into the software app of your choice, tap into settings and select which device you want to pair. Then hold down the sync button on your card reader and the technology will do all the hard work.
Syncing any additional hardware to your iZettle POS system follows the same process. Select the device you’re looking to pair on the app and hold down the sync button on the device.
When it comes to security, neither SumUp nor iZettle mess around. Both payment processors adhere to the latest PCI standards, and both take extra measures when it comes to protecting your data.
SumUp promises that it never secures sensitive data on your mobile device and all data secured on its servers is encrypted.
iZettle goes even further. It’s card reader is tamper proof and self-destructs if it gets in the wrong hands, so you can start building a successful business knowing you’re not going to get stung in the future.
When it comes to customer support, SumUp does have the edge, being the only mobile payment provider to offer its customers weekend support.
That said, if you are swinging more towards iZettle and are concerned about its lesser support hours, you can opt to become an iZettle Go PLUS membership holder, which’ll give you access to phone support until 8pm in the evening.
The customer review outlook is positive for both suppliers, with fairly high TrustPilot ratings indicating towards generally satisfied customers.
SumUp customers often praise its efficient service and ease of use, while iZettle’s slightly slower response time seems to account for its slightly lower score.
Our comparison of iZettle and SumUp has revealed that both credit card processing providers are ideal for small businesses.
In our opinion, SumUp is the ideal payment processor for small shops and pop up stalls, offering business owners a quick and simple way to start taking card payments. And, if you start to need more from your point of sale system, you can always integrate SumUp with a software product like Vend. However, this will incur its own charges.
Those looking to scale their business should look at iZettle, as it offers business owners the tools and data collection they need to make informed business decisions without the need to use a third party provider. And, hospitality businesses can always upgrade to iZettle Food and Drink if the time arises.
If neither SumUp nor iZettle suit your business' needs, you may want to consider Square.
Square is also a mobile payment provider, however it offers businesses far more flexibility around choosing a point of sale package that suits your needs. There are heaps of integrations to choose from, and it has a solid ecommerce product.
You can find out how Square compares to iZettle in our Square vs iZettle review.