SumUp vs Zettle: Which is better for taking payments?

Our dedicated team of impartial researchers have declared SumUp as the winner between SumUp and Zettle in 2024. Tempting as it is to go for the cheapest, there are more factors to consider than how much your POS system costs. Our research showed that, while SumUp is pricier than Zettle, it comes with more advanced tools and features – giving it the edge.

We put Zettle’s POS head to head with SumUp’s POS Pro. It was a close-run race, both have strengths and weaknesses you’ll need to know about before choosing.

We’ll take you through a round-by-round breakdown in the areas that are most crucial to a successful retail or hospitality POS system.

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Provider	Provider Zettle
Score for retail businesses	Score for retail businesses 3.6
Score for food and beverage businesses	Score for food and beverage businesses 3.8
Top highlight	Top highlight Great for managing sales on the go
Transaction fee	Transaction fee 1.75%
Monthly subscription price from	Monthly subscription price from Free
Card machine price from	Card machine price from £29
Payout time	Payout time One to two business days
Pros	Pros User friendly and simple Completely free iPad-based POS software Solid range of accessories Can create bespoke gift cards
Cons	Cons Unreliable offline functionality Lacks some more advanced tools and features No kitchen display screen No countertop POS terminal

Which is cheaper?

We observed the SumUp card reader taking payments at Jerry’s, London

*Pricing correct as of October 2024

Zettle’s pricing is straightforward and simple. It charges a flat 1.75% transaction fee. That might seem about average, but is a great deal when you consider you’re getting on a free plan: which we ranked as one of the best free POS software options. Zettle’s basic card reader is also slightly cheaper than SumUp’s, so for those who need to get set up on a budget and don’t want to be locked down into a contract, Zettle is a fantastic option.

Like Zettle, SumUp also offers a free, pay-as-you-go option. SumUp’s transaction fee of 1.69% for in-person payments is cheaper than Zettle’s 1.75%, but if you opt to pay an extra £19 per month for SumUp One, you’ll get access to rock bottom 0.99% transaction fees.

Want flexibility? SumUp provides multiple tiers, which include packages of more advanced software and hardware.

The free SumUp POS will get you access to basic features such as taking card and digital payments, tracking your sales, creating invoices and managing tips. However, to access SumUp’s more extensive range of features, you’ll need to get POS Pro (the version of SumUp’s system that we tested).

The monthly fee and one time hardware cost (starting from £754.80) are expensive. There’s also additional costs for certain features, stock and ingredient management, so new starters need to bear this in mind.

It does provide a dedicated countertop device: the POS Lite, which comes pre-installed with the free version of the software, as well as the Solo card reader. But this is a pretty hefty £349 upfront, whereas Zettle’s cheapest terminal is £149.

Which is easier to use?

The Zettle card reader being used to take a payment at Shrubs And Dubs

Zettle’s back office is easier. We only had a few minor niggles on the front end, finding it a little difficult to apply discounts and add new customers. Our users did experience a few crashes and bugs, but overall, we liked Zettle’s simplicity. We felt the intuitive system would be ideal for pop-ups or businesses on the move, like food trucks.

The ordering page on Zettle’s POS. Source: Startups.co.uk

It was a similar story with SumUp, with our users finding the front end slightly trickier to navigate than the back end. Tasks like accessing reports and syncing stock were nice and simple, but our testers noted some difficulty when trying to apply discounts or create modifiers.

When testing out the hospitality POS system features, our users reported more significant confusion when trying to add customers and split bills. The front end didn’t always synchronise perfectly with changes made in the back end. Despite this, we found SumUp to be a competent system overall, and our users liked that it was straightforward to use and responsive, making it a good fit for cafes and coffee shops that prioritise speed and efficiency.

The ordering page on SumUp’s POS. Source: Startups.co.uk

It was a close call between the two platforms, as neither is the most user friendly system we’ve tested (Square is the most user friendly POS platform for retail businesses, while we recommend TouchBistro as the easiest system for restaurants). However, the simplicity of Zettle’s interface just put it past the post for us.

What can SumUp and Zettle’s software do?

We observed The Zettle card reader taking payments at Shrubs And Dubs in London

SumUp POS Pro’s employee management and inventory tools are ideal for both retail and hospitality business, especially combined with its multi-store support options. It also enables you to set up and customise mobile and QR code ordering, which could be essential for businesses needing a POS systems for takeaways, or events based companies. Its built-in gift card functionality is pretty handy too (sadly, though, SumUp doesn’t enable physical gift card payments).

The table plan on SumUp’s POS. Source: Startups.co.uk

We particularly appreciated:

• SumUp’s personalised loyalty programme that helps you drive repeat business (though this is a paid extra)
• The ingredient tracking option
• The customisable kitchen display interface (subject to a monthly cost)
• Its built-in email marketing
• The reservation functionality, powered by an integration with third party app ResDiary

Zettle offers some solid software as well, impressing with its quick ability to add products and apply discounts. However, we did find it lacked the more advanced tools needed by bigger retail stores. While our users felt that it did well to manage a basic inventory, managing a complex inventory might prove trickier.

Screenshot of the inventory page of Zettle’s POS. Source: Startups.co.uk

A lack of in-depth cost vs profit management tools would also be an issue for larger scale businesses. The fact that it doesn’t have a floor planning functionality will also rule it out for some restaurateurs.

That said, we did appreciate:

• The customisable gift card features, including the option to sell and accept physical gift cards
• Zettle’s customer loyalty programme, which is included as a free add-on

If you run a small business and only have a handful of items to sell, Zettle’s free software is still a very strong option for you. But it’s the more advanced tools provided by SumUp Pro that seal the deal for us this round.

How does their point of sale hardware compare?

The Sumup card reader at Jerrys, London

Zettle provides the light and small Zettle Reader 2 (a card machine that can only take card and contactless payments) and the Zettle Terminal, a handheld, touch screen POS terminal and card machine. Zettle’s software was also one of our top choices for an iPad based POS. Zettle also provides a selection of’ ‘ready-made’ store kits, which are a combination of different hardware, software and accessories.

London cafe The Rugged Bunch also spoke to us about their Zettle card reader

With SumUp’s POS Pro, you can choose one of its card readers – either the SumUp Air or Solo – which then connects to an iPad (which can be displayed on a stand to create a countertop terminal). You’ll also have the option to add on a separate kitchen display (a Lenovo 10” tablet). However, SumUp doesn’t offer an all-in-one handheld device like the Zettle Terminal, which is very handy to use.

You do also have the option of the POS Lite countertop terminal, which comes bundled with SumUp’s more basic POS Lite software. The POS Lite has a 13” HD screen, which SumUp claims is ‘splashproof’, and so good for those hectic happy hours at the bar. The POS Lite works by connecting to a card reader, so it’s handy that you get the Solo card reader for free when you pay for the POS Lite.

Interestingly, SumUp also provides a self-service kiosk, created specifically for the hospitality industry. Ideal for fully equipping POS systems for bars, as well as fast service restaurants. These are designed to be used by the customer alone to place and pay for their orders.

What is their user support like?

SumUp’s help and support page. Source: Startups.co.uk

Both offer a wide range of support options – including phone lines, email, live chat, in-platform support, and video tutorials – though, unlike SumUp, Zettle also provides support on social media.

Zettle’s help and support page. Source: Startups.co.uk

This might have given Zettle the edge over SumUp, but when putting their knowledge centres through their paces during our testing for the food and beverage sector, we felt that SumUp provided more extensive information. It was a close call this time, so we’re willing to call this one about even!

SumUp vs Zettle: the overall verdict

Business owner Jerry taking payments with a SumUp reader

This was a close call, as both providers were often neck and neck with a lot of their pros and cons.

It may have been a photo finish, but ultimately we feel that SumUp’s POS Pro, while more expensive, will offer you more bang for your buck if you’re a small to medium sized retail business, or if you’re running a cafe or small restaurant.

Zettle is still a very strong low cost option, though. Zettle’s iPad-based free plan is great for ventures with smaller budgets, such as mobile businesses and pop-ups, as you can get started for very little investment.

Read more: The best POS systems for small businesses in 2024

Methodology: how we put SumUp and Zettle to the test

In our latest round of POS evaluations, our dedicated research team has tested a total of 15 systems including SumUp and Zettle, conducting 40 user testing sessions – amounting to a total of 1,200 hours – in order to fully understand each system.

In order to put Zettle and SumUp head to head, we compared them on five categories we determined as the most important for a successful POS system:

• Price
• Hardware
• Software
• Help and support
• Usability

As POS systems are needed across different industries, we determined two different testing groups for SumUp and Zettle: one specifically for their retail features, and one for the features that serve the food and beverage industry. We were then able to cover the most important results from each group in this article, so that we can help you make a choice, whichever industry you’re in.