POS & Checkout Systems
SumUp POS
EU-Made Report an error0–5 in half steps. 5 means the rubric's top anchor is met on the evidence.
by SumUp Limited · www.sumup.com
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SumUp POS at a glance
- Vendor
- SumUp Limited
- Headquarters
- Not stated on the vendor’s pages as of 29 Oct 2026
- Data hosting
- Not stated on the vendor’s pages as of 29 Oct 2026
- Free plan
- Yes, per the vendor’s own page source, captured 29 Oct 2026
- Panel verdict
- The AI panel rates SumUp POS 3/5, the mean of 6 judges. SumUp POS is an iPad-based till from SumUp Limited, Dublin, regulated by the Central Bank of Ireland, with the cloud TSE included at no charge. how scores are made
- As of
- Vendor pages captured 29 Oct 2026; evaluated by the panel 30 Oct 2026. all sources
Read this page as one judge. Each weighs the same scores by what they care about.
The panel's verdict
SumUp POS is an iPad-based till from SumUp Limited, Dublin, regulated by the Central Bank of Ireland, with the cloud TSE included at no charge. It is strongest where it is most open: pricing transparency scores a uniform 7 — software at 0 € or 49 €/Monat, hardware sets from 399 € to 649 €, card fees of 1,39 % or 0,79 % with Zahlungen Plus, no long-term contracts — and payments and fees sit at 6 to 7 with per-scheme rates published. Fiscal compliance is the weakest score, a flat 4: no TSE provider or BSI certificate is named, and the judges found no public information on a DSFinV-K export, a daily closing or a cash book. Sovereignty spreads widest, 2 to 4 — the spread turns on how far the named Dublin entity outweighs hosting and subprocessors that are not stated, and a payments entity authorised by the UK FCA. The captured pages give different figures for the hardware package — a one-off 999 € plus a monthly licence beside the set prices; the bench reports both.
Speaks for it
- Pricing transparency scores a uniform 7, with software at 0 € or 49 €/Monat, hardware sets from 399 € to 649 €, terminals from 34 € to 169 €, the TSE at no charge and no long-term contracts
- Payments and fees score 6 to 7, with rates published per scheme (girocard 0,2 bis 1,39 %, Mastercard and Visa 0,8 bis 1,19 %) and payouts by 7 a.m. the next day with the business account
- The KassenSichV substance is real in outline: a free cloud TSE activated in a few clicks, cash recorded manipulation-proof, ten-year storage and a GoBD claim with a DATEV export
- A public REST API with OAuth 2.0, webhooks, SDKs, a sandbox and a downloadable OpenAPI specification, beside automatic exports to Xero and QuickBooks
- The contracting entity is SumUp Limited at Harcourt Centre, Dublin, regulated by the Central Bank of Ireland
Held against it
- Fiscal compliance scores a flat 4 — no TSE provider or BSI certificate is named, and the judges found no public information on a DSFinV-K export, a daily closing or a cash book
- Sovereignty scores 2 to 4 — hosting for till data and the cloud TSE is not stated, subprocessors are not listed, and the judges found no published data processing agreement
- Card fees are published only as ranges je nach Anbieter (girocard 0,2 bis 1,39 %, credit cards 0,89 bis 3 %), so the annual fee sum cannot be computed exactly
- The captured pages give different figures for the hardware package — a one-off 999 € plus a monthly software licence beside the set prices — and above 60.000 € Jahresumsatz the transaction fee becomes an individual sales quote
- Operations and locations score 6: staff accounts stop at ten per main account, finer rights require contacting support, and multi-store management is named without detail on stock transfers, suppliers or purchase orders
Best for
- You run a single café, salon or shop and want a KassenSichV-ready iPad till with the TSE included at no charge
- You want the year's costs visible before signing — 0 € software or 49 €/Monat Plus, priced hardware, per-transaction fees, no long-term contract
- You build your own tooling and value a public API with a sandbox, SDKs and webhooks
- You want takings available quickly — payouts by 7 a.m. the next day, 365 days a year, with the business account
Avoid if
- You need printed daily closing reports today — printing Abrechnungen is marked 'demnächst' (coming soon)
- Your team needs more than ten staff accounts, or role changes without contacting support
- You want to attach a terminal or acquirer of your own choice — every documented payment path runs through SumUp's own readers and acquiring
- You must document hosting locations, subprocessors and a data processing agreement before signing, for example for a works council
The scores
| Criterion | Panel median |
|---|---|
| Checkout, receipts & hardware | 3.5 of 5 |
| Card payments & fees | 3.5 of 5 |
| Fiscal compliance (TSE, DSFinV-K, RKSV) | 2 of 5 |
| Inventory, tables, staff & locations | 3 of 5 |
| Accounting handoff, DATEV & data export | 3 of 5 |
| European sovereignty | 1.5 of 5 |
| Pricing transparency | 3.5 of 5 |
Checkout, receipts & hardware
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How this is scored
How a sale is rung up and what it runs on: a fast till on tablet, phone or dedicated terminal, articles, modifiers and discounts, split bills and tips, receipts printed or sent digitally (QR code, email, a digital Bon), returns and cancellations, a customer display, which hardware is supported or sold (receipt printers, cash drawers, scanners, scales), and whether the till keeps selling when the internet is down.
0 — Not a till; sales cannot be rung up or receipts issued in the product.
3 — Sales rung up on one device with a printed receipt; digital receipts, supported hardware and offline operation are basic or not described.
5 — A till app on named devices (iPad, Android or Windows) with articles, modifiers, discounts and split payments, receipts printed or sent digitally, returns and cancellations, a list of supported printers, drawers and scanners, and an offline mode stated.
8 — Several device types and own or third-party hardware with a published compatibility list, offline mode with its limits stated (how long, which payments, how sync resolves), digital receipts meeting the receipt obligation, customer display, scales and barcode labels supported, and hardware rentable or bought with the terms stated.
10 — A till that never stops a sale: offline operation documented including card payments and fiscal signing, hardware open to standard devices rather than locked to the vendor, receipt layouts that meet the legal minimum content in each named country, and a stated uptime or a status page with incident history.
The Café Owner
The till runs on an iPad with a thirteen-inch screen and an eight-inch customer display, a named Star Micronics receipt printer, a cash drawer that opens itself on cash sales and a barcode scanner, with variants, discounts, split bills, tips and refunds all described. The offline story is only a heading called offline payments in the developer documentation with no limits, and we found no public information on scales, digital receipts by email or QR, or any uptime commitment. 1 5 9 10 12
The Retail Shop Owner
The retail set for 649 € net brings two screens, receipt printer, cash drawer and a barcode scanner, with a 13-inch merchant touchscreen and 8-inch customer display beside it; the printer (Star Micronics MCP31Ci, several at once) and drawer (ECD330, opens on cash payment) are named models, and iPads are offered as till devices. Articles with variants and modifiers, discounts, tips, split bills, refunds and printed receipts are documented. Offline operation appears only as a heading in the developer documentation without its limits, and we found no public information on digital receipts by email or QR code, or on scales. 1 9 10 12 5
The Tax Adviser
The till runs on an iPad-based POS Pro with a 13-inch merchant touchscreen and 8-inch customer display, or on the Solo terminal and smartphone apps, with articles, variants, modifiers, discounts, tips, refunds and printed receipts, plus named hardware (Star Micronics MCP31Ci printer, ECD330 cash drawer, barcode scanner, kitchen display). Offline capability appears only as a developer-documentation heading for offline payments, with no statement of how long or which payments survive an outage, and split payments on the Terminal are marked 'demnächst'. We found no public information on digital receipts by QR code or email, nor on scales. 1 4 5 9 10 12
The Hospitality Operations Manager
The till is real and named: an iPad-based Pro setup with the printer model (Star Micronics MCP31Ci), cash drawer (ECD330) and barcode scanner listed, a 13-inch till screen beside an 8-inch customer display, articles with variants, modifiers, discounts, split bills, tips, refunds and cancellation receipts, on device types from the Terminal to the Solo readers. Offline payments appear only as a heading in the developer documentation with no stated limits, and we found no public information on digital receipts by email or QR code, on scales, or on renting rather than buying the hardware. 1 5 9 10 12 14
The Fee-Conscious Merchant
The till runs on an iPad or the standalone Terminal with a rechargeable battery for a full business day — what I need at the Christmas stall — plus a 13-inch merchant touchscreen, an 8-inch customer display, a kitchen display, a barcode scanner and named printer and cash-drawer models. Orders can be parked, taken by table and printed as tickets, with refunds, tips and custom tax rates. Offline payments appear only as a section heading in the developer documentation without stated limits, and I found no public information on scales, barcode labels, digital customer receipts or a stated uptime. 1 5 9 10 12
The Skeptic
A real till with named kit: iPads in three sizes, a Star Micronics receipt printer, an ECD330 cash drawer that opens on cash payment, a barcode scanner, a separate kitchen display and an 8-inch customer display, with split bills, discounts, tips and refunds documented and the hardware priced to buy rather than rent. What I could not find is an offline mode for the till with its limits stated — the only offline mention is a section heading in the developer documentation — nor scales, label printing or any uptime commitment, so I stop one step short of the top. 1 5 9 10 12
Card payments & fees
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How this is scored
How the till takes card and mobile payments and what that costs: an integrated terminal and the acquirer behind it named, girocard, credit cards, Apple Pay and Google Pay, tap to pay on a phone, the fee per transaction by card type, monthly terminal fees, payout timing, and whether the merchant may use a terminal or acquirer of their own choice instead. A "free" till paid for by card fees counts here.
0 — No card payment of any kind can be recorded at the till.
3 — Card payments recorded at the till, by an integrated terminal or by typing the amount into a separate one; the acquirer, the fees and the choice of terminal are basic or not described.
5 — An integrated card terminal with the payment provider named, girocard, credit cards and mobile wallets accepted, the transaction fee published for the main card types, payouts with their timing stated, and the amount passed to the terminal without retyping.
8 — Fees per card type and terminal cost published, tap to pay on a phone, tips and split payments on the terminal, several integrated acquirers or terminals to choose from (not only the vendor's own), the regulated payment institution named, and card payments reconciled to the daily closing.
10 — Payments without lock-in: the till works with any of several named acquirers on equal terms, fees for every card type, currency and chargeback published, the merchant's contract with the acquirer separable from the POS licence, and a change of acquirer documented without changing the till.
The Café Owner
The fees are published by card type — Girocard "0,2 bis 1,39 %", credit cards "0,89 bis 3 %", Mastercard and Visa "0,8 bis 1,19 %" — with Tap to Pay at "0 €", the terminal at "169 €", tips at the reader and payouts by seven the next morning through the business account, and the regulated institutions in Ireland and the UK are named. Every payment runs through SumUp's own readers though; we found no public information on bringing my own terminal or acquirer, or on chargeback fees. 1 4 5 11 12
The Retail Shop Owner
Fees are published by card type — girocard 0,2 to 1,39 %, credit cards 0,89 to 3 %, Mastercard and Visa 0,8 to 1,19 % — with reader prices from 34 € to 169 €, Tap to Pay at 0 €, 1,39 % or 0,79 % with the Zahlungen Plus abo, and payouts by 7 a.m. the next day with the business account; the payment institutions are named and regulated (Central Bank of Ireland; FCA register number 900700). We found no public information on using a terminal or acquirer of my own choice instead of SumUp's, or on reconciling card payments to a daily closing, so the freedom-from-lock-in level is not reached. 11 4 12 10 7 1 6
The Tax Adviser
Fees are published by scheme — girocard 0,2 bis 1,39 %, Mastercard and Visa 0,8 bis 1,19 %, American Express, JCB, Diners Club and China Union Pay 2 bis 3 %, girocard transactions 7 bis 12 Cent — with terminals priced (Solo Lite 34 €, Solo 79 €, Terminal 169 €), Tap to Pay at 0 €, payouts by 7 Uhr next day with the business account, and the regulated institutions named (SumUp Limited under the Central Bank of Ireland, SumUp Payments Limited FCA register number 900700). Everything runs through SumUp's own readers and acquiring; we found no public information on using a third-party terminal or acquirer, and split payments on the terminal are 'demnächst'. The payouts list with dates, fees and statuses, and the daily Sammelgutschrift, support reconciliation with the card takings. 4 5 9 11 12 17
The Hospitality Operations Manager
Fees are unusually well published — girocard at 0,2 bis 1,39 %, Mastercard and Visa at 0,8 bis 1,19 %, American Express and others at 2 bis 3 %, a flat 1,39 % on the free plan and 0,79 % with Zahlungen Plus from 17 € / Monat, payouts by 7 a.m. the next day — and SumUp itself is the regulated institution behind it under the Central Bank of Ireland. Every path runs through SumUp's own readers and licence, though: we found no public information on attaching a terminal or acquirer of my own choice, and split payments on the device are marked as coming soon. 1 2 6 11 12
The Fee-Conscious Merchant
Fees are public: 1,39 % per card transaction with 0 € a month, girocard 0,2 bis 1,39 %, credit cards 0,89 bis 3 % je nach Anbieter, Mastercard and Visa 0,8 bis 1,19 %, payouts by 7 am the next day with the business account, from SumUp itself as the regulated payment institution under the Central Bank of Ireland. For my five-euro cones the ranges are the problem: the pages give a spread rather than a firm figure per card type, and those figures sit on a separate fee page rather than the price page. The documented chain is SumUp's own terminals and acquirer, tap to pay costs 0 €, and I found no public information on using a terminal or acquirer of my own choice or on reconciling card takings to a daily closing. 2 6 11 12
The Skeptic
Fees are published per card type — 0,2 bis 1,39 % for girocard, 0,8 bis 1,19 % for Mastercard and Visa, 2 bis 3 % for Amex and the rest, plus a 1,39 % pay-as-you-go and 0,79 % with Zahlungen Plus ab 17 €/Monat — terminals priced from 34 € to 169 €, tap to pay at 0 €, tips and payouts by 7 a.m. next day, and the regulated institution named (Central Bank of Ireland). But every euro routes through the vendor's own acquiring: we found no public information on attaching another acquirer or terminal on equal terms, and card payments reconciled to the daily closing are not described. The free-till-paid-for-in-fees structure is at least priced openly; the lock-in is structural, not hidden. 2 4 6 11 12
Fiscal compliance (TSE, DSFinV-K, RKSV)
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How this is scored
Whether the till survives a cash audit: for Germany a certified technical security device (TSE) with its provider and BSI certificate named, hardware or cloud, the DSFinV-K export for the Kassennachschau and the tax audit, the receipt obligation (Belegausgabepflicht), the Kassenbuch and daily closing (Z-Bericht), GoBD-compliant storage for ten years, and help with the § 146a AO registration; for Austria the RKSV signature and FinanzOnline registration; for other countries their named fiscal rules (NF525, Fiskaltrust and similar).
0 — No fiscal function at all; the product is not a cash register in the legal sense, or states that it does not meet the fiscal rules of the markets it sells into.
3 — The till is called compliant ("finanzamtkonform", "KassenSichV-ready") without naming the TSE, the export formats or the closing; the details are basic or not described.
5 — A TSE included or offered with its provider named (hardware or cloud), the DSFinV-K export available, receipts carrying the TSE signature, a daily closing and cash book, and the receipt obligation met on paper or digitally.
8 — TSE provider and BSI certification named with what happens when the TSE fails, DSFinV-K and the GoBD archive for ten years stated, the § 146a AO registration supported, a procedure documentation (Verfahrensdokumentation) template offered, and the fiscal rules of at least one further country (Austrian RKSV or another) named and met.
10 — Audit-proof across markets: fiscal compliance documented per named country with certificates published, the procedure documentation maintained by the vendor, the fiscal journal exportable after the contract ends, and the vendor's handling of a Kassennachschau (what the auditor gets, from whom, how fast) described.
The Café Owner
A free cloud TSE is included that records cash and card sales tamper-proof, renewable after a year or as a printer-integrated TSE valid thirty months, with ten-year retention and a GoBD claim including DATEV export — a TSE I would not have to think about. But the pages explain the BSI requirement without naming SumUp's TSE provider or certificate, and we found no public information on a DSFinV-K export, a daily closing or a cash book. 3 12 13 14
The Retail Shop Owner
The TSE comes free of charge — either a cloud TSE activated via the dashboard, or a receipt printer with integrated TSE valid 30 months — with cash payments recorded tamper-proof, ten-year storage stated, and GoBD compliance with data prepared for the tax adviser. But the TSE provider is not named and no BSI certificate is published; we found no public information on a DSFinV-K export, and one capture marks printed closing reports only as coming soon — exactly what a Kassennachschau at my till would ask for. 3 12 13 14 1
The Tax Adviser
The KassenSichV substance is real in outline: a free cloud TSE activated in the dashboard (one year validity, renewable) or a receipt printer with integrated TSE (30 months, then module exchange), cash payments recorded manipulation-safely, the one-month registration duty acknowledged, ten-year storage of the Kassendaten stated, and GoBD compliance with a DATEV export claimed. What an auditor will ask for is not shown publicly: the captured pages name no BSI certificate for the TSE, we found no public information on a DSFinV-K export, and a daily closing or Kassenbuch is not described — printing Abrechnungen is marked 'demnächst' and we found nothing on a Verfahrensdokumentation. Austria appears only as general revenue and cash limits and deadlines, not as an RKSV capability the vendor claims to meet. 1 3 12 13 14
The Hospitality Operations Manager
Concretely evidenced: a free cloud TSE and a receipt printer with integrated TSE valid thirty months before module exchange, cash payments stored manipulation-safely, ten-year storage, and the one-month registration to the tax office via the dashboard. For the audit itself we found no public information on the DSFinV-K export, a daily closing or cash book, the TSE provider's BSI certificate, a procedure documentation template, or an Austrian RKSV claim — Austria appears only as an explanation of the law. 3 12 13 14
The Fee-Conscious Merchant
A free cloud TSE or a receipt printer with integrated TSE is offered, activation is a few clicks via the dashboard, cash payments entered in the app are stored manipulation-proof for the ten-year retention period, and the software is called GoBD-compliant with a DATEV export. But the pages state only in general terms that a TSE must be BSI-certified, and I found no public information on a BSI certificate or an underlying TSE provider for SumUp's own cloud TSE. I also found no public information on a DSFinV-K export, a daily closing, a cash book, a procedure documentation or help with the tax-office registration; the Austrian rules appear only as general information on thresholds. 3 12 13 14
The Skeptic
The TSE is included at no extra charge, as a cloud TSE valid one year and renewable or a receipt printer with integrated TSE valid 30 months, with cash recorded manipulation-safely, ten-year storage and a few-clicks registration via the dashboard — but no TSE provider is named and no BSI certificate is cited; the BSI mention on the pages states the law's requirement, not their device's certification. We found no public information on a DSFinV-K export, a Kassenbuch, a daily closing or a Verfahrensdokumentation, and Austria's RKSV rules are explained as background thresholds rather than claimed as met by the product. "Finanzamtkonform" with the TSE unnamed is exactly the pattern I read with a raised eyebrow. 1 3 12 13 14
Inventory, tables, staff & locations
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How this is scored
What the till runs beside the sale: stock and articles with variants, suppliers and purchase orders, recipes or ingredients for hospitality, tables, courses and a kitchen display or kitchen printer, self-order and QR ordering, staff logins with roles and rights, cash differences per employee, reports by product, staff and hour, and several branches or sites managed from one back office.
0 — No articles, stock, staff or reporting beyond the single sale.
3 — An article list and a sales report; stock, staff rights, tables and several locations are basic or not described.
5 — Article and stock management with variants or modifiers, staff logins with roles, reports by product, employee and period, and for hospitality tables and kitchen printing or a kitchen display; several locations or tills under one account.
8 — Stock with suppliers, purchase orders and inventory counts or recipes, a kitchen display and QR or self-order, granular staff rights and a log of cancellations and voids per employee, central articles and prices pushed to several branches, and cross-site reporting.
10 — Multi-site operations run through the product: stock transfers between branches, central menu and price management with local overrides, franchise or group structures, forecasting from sales history, and every change to an article, price or void attributed and exportable.
The Café Owner
For hospitality this is real: table management with floor plans on the Plus plan, orders routed to a kitchen display or printed as tickets, staff accounts up to ten with per-employee sales histories and strict isolation, plus stock in the free app and an inventory function. We found no public information on suppliers and purchase orders, recipes, or cancellations and voids logged per employee. 2 9 10 12 13 15
The Retail Shop Owner
Variants with photos, custom tax rates, article import and export from the dashboard, real-time stock updates, multi-store management and an inventory count function are documented, along with up to ten staff accounts with separate logins, PIN access, per-employee transaction logs and reports by day, month, quarter and year, plus floor plans, a kitchen display and order routing for hospitality. For my two branches we found no public information on stock transfers between shops, or on suppliers and purchase orders in the same back office, so the multi-site picture stays general. 10 12 13 15 9
The Tax Adviser
The software manages sales, payments, stock levels and reports with an Inventurfunktion, article import and export from the dashboard and an AI catalog built from a photo of the menu; hospitality gets tables and floor plans in the Plus plan, parked orders, routing to the kitchen and a kitchen display, and a kiosk order terminal is an add-on. Staff get individual accounts (up to ten per main account) with transaction logging and per-employee sales views by day, month, quarter and year, and multi-store management is claimed for retail. We found no public information on suppliers, purchase orders, recipes, per-employee cash differences or cross-branch reporting. 1 10 12 13 14 15
The Hospitality Operations Manager
The hospitality basics are there — floor plans, table and parked orders, a kitchen display with real-time updates, kitchen routing and an addable kiosk terminal, plus stock levels, inventory counts and per-employee sales visible to the main account by day, month, quarter or year. For my group it falls short: a cap of ten staff accounts per main account against my two hundred, finer rights only via an email to support, and we found no public information on suppliers, purchase orders, recipes, stock transfers between branches, or a central menu and prices pushed to several sites with local overrides — multi-store management is named as a feature without that detail. 1 2 9 10 12 13 15
The Fee-Conscious Merchant
Articles with variants, photos and custom tax rates, stock with an inventory function and real-time updates, floor plans with orders routed to a kitchen display, delivery integrations, an add-on kiosk order terminal, and separate staff logins — up to ten — with per-employee sales tracking from daily to yearly on a shared device with individual attribution; multi-store management is listed as a retail feature. The depth under that list is thin: I found no public information on suppliers, purchase orders or a per-employee log of cancellations and voids. Granting staff more rights means contacting support, and custom roles exist only as beta API endpoints. 1 2 9 10 13 15 18
The Skeptic
Articles with photos, variants and custom tax rates, stock with an inventory function, tables and floor plans, a kitchen display with real-time updates, and staff accounts — up to ten per main account, PIN access in the Plus plan, per-employee sales visible to the owner — cover most of a single shop's needs. Suppliers and purchase orders, a per-employee log of cancellations and voids, and how central articles and prices actually reach several branches are not described beyond the bare words "multi-store management", so I hold it at the middle. 2 9 10 12 13 15
Accounting handoff, DATEV & data export
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How this is scored
What reaches the books and what leaves with the merchant: an export to DATEV (DATEV format, DATEV Kassenarchiv online, DATEV Unternehmen online) and to named accounting tools, booking with revenue accounts and tax rates, card payouts and fees reconciled, an API and webhooks, integrations with shop, booking or staff tools, and a complete export of articles, customers, sales and fiscal journals when the contract ends.
0 — No export of any kind; the day's figures have to be retyped.
3 — A CSV or PDF report of sales; booking data, named integrations and a full export are basic or not described.
5 — A DATEV export or another named accounting export with revenue accounts and tax rates, several integrations listed, a documented API, and sales and articles exportable.
8 — DATEV Kassenarchiv online or DATEV Unternehmen online named, card payouts and fees booked separately for reconciliation, a public API with webhooks and a developer portal, integrations with named shop, booking and staff-scheduling tools, and a full export of articles, customers and sales stated.
10 — Nothing stays behind: a complete export of all records including the fiscal journal and receipts in documented formats, access to past data after cancellation for the retention period stated, a migration path from and to other named systems, and the API covering every object the back office shows.
The Café Owner
A DATEV export is claimed for the GoBD-compliant till, Xero and QuickBooks are named with automatic CSV or PDF export, articles import and export from the dashboard, and there is a full developer portal with webhooks, a sandbox and payout and receipt endpoints. We found no public information on DATEV Kassenarchiv online, on booking with revenue accounts, or on a complete export if I end the contract. 5 12 13 17 18
The Retail Shop Owner
A DATEV export is named outright — GoBD-conform iPad till software with inventory function and DATEV export — data can be prepared for my tax adviser, exports run automatically to Xero and QuickBooks as CSV or PDF, and the developer site documents a REST API with webhooks, SDKs, a downloadable OpenAPI specification and a sandbox; e-commerce plugins exist for WooCommerce, PrestaShop and Wix. We found no public information on DATEV Kassenarchiv online, on a complete export of all records when the contract ends, or on access to past data after cancellation, so the month's figures reach the adviser but the exit path is undocumented. 13 17 5 18
The Tax Adviser
A DATEV export is claimed for the GoBD-konforme iPad-Kassensoftware, the business account exports automatically to Xero and QuickBooks in CSV or PDF, and articles carry custom tax rates. The developer portal is public and substantial: a REST API with OAuth, webhooks, SDKs and CLI, a sandbox, a downloadable OpenAPI specification, endpoints for payouts with dates and fees, receipts as JSON, and named shop plugins (WooCommerce, PrestaShop, Wix, Medusa, Vendure). We found no public information on DATEV Kassenarchiv online or Unternehmen online, on booking to revenue accounts, or on a complete export including the fiscal journal when the contract ends. 5 12 13 17 18
The Hospitality Operations Manager
A DATEV export is claimed for the iPad till software, Xero, QuickBooks and CSV/PDF exports run automatically from the business account, and the API is genuinely public — SDKs and command-line tools, webhooks, a sandbox, a downloadable OpenAPI specification, payout lists with fees and structured receipt data. We found no public information on DATEV Kassenarchiv online or Unternehmen online, on revenue-account mapping in the export, or on a complete export of articles, customers and fiscal journals after the contract ends. 5 13 17 18
The Fee-Conscious Merchant
A DATEV export is named, Xero, QuickBooks and spreadsheet programmes receive the data automatically in CSV or PDF, over a dozen further integrations are listed including payroll and staff tools, and there is a documented REST API with webhooks, SDKs, a CLI, a sandbox and endpoints for transactions, payouts with their fees, and structured receipt data. For the books what remains open: I found no public information on DATEV Kassenarchiv online or DATEV Unternehmen online, on booking card payouts and fees into revenue accounts, or on a complete export of customers and fiscal journals when the contract ends. 5 13 16 17 18
The Skeptic
A DATEV export is claimed for the GoBD-conform iPad till software, Xero and QuickBooks receive the payment data automatically with CSV and PDF as formats, and the developer documentation shows a full REST API with OAuth 2.0, webhooks, a sandbox and a downloadable OpenAPI specification — strong on the way in. On the way out it is thin: we found no public information on a complete export of customers and fiscal journals when the contract ends, or on access to past data after cancellation, while the pages state the ten-year archive sits stored in the vendor's own arrangement. "DATEV-ready" with no format named and no exit story is the half of the promise that costs you later. 3 5 13 17 18
European sovereignty
panel opinion
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How this is scored
Who the contracting entity and the parent company are, where sales, customer and employee data are hosted, and who the subprocessors are (hosting, cloud TSE, payment processing, receipt delivery, email, analytics). Independently sourced by the sovereignty pipeline; POS data is financial and fiscal at once, holds staff logins and customer cards, and has to stay readable for the tax office for ten years, so the whole chain counts, not only the database.
0 — Non-EU vendor and contracting entity, hosting unstated, subprocessors unnamed, and no data processing agreement offered.
3 — A privacy policy and a data processing agreement exist, but hosting location is unstated or non-EU and the subprocessors are not listed.
5 — EU hosting available and an EU contracting entity or EU representative, but parts of the chain (cloud TSE, payment processing, email, analytics, support) run through non-EU providers without a stated safeguard.
8 — EU hosting on named infrastructure, EU contracting entity, TSE provider and payment institution, subprocessors listed with their locations, a data processing agreement published, and security certifications (ISO 27001, SOC 2) stated.
10 — Sovereign end to end and evidenced: European ownership, entity, TSE, payment institution, hosting and every subprocessor, data export and deletion documented, and certifications published with their scope rather than implied.
The Café Owner
SumUp Limited sits in Dublin, regulated by the Central Bank of Ireland, with a UK payment entity authorised by the FCA, and a privacy policy with an EU data regulation notice exists — a European face at the front door. We found no public information on where till and cloud-TSE data are hosted, on the subprocessors, on a data processing agreement or on security certifications, so the chain behind my ten years of fiscal data stays invisible. 7 8 10 12
The Retail Shop Owner
SumUp Limited at Harcourt Centre, Dublin, regulated by the Central Bank of Ireland with an Irish VAT number, is the entity behind sumup.de, and privacy policies exist for merchants and for personal services. But we found no public information on where till and customer data are hosted, on the subprocessors behind the cloud TSE, receipt delivery, payments or analytics, or on a published data processing agreement, so the chain beyond the contracting entity itself stays dark. 7 8 2
The Tax Adviser
The contracting entity is SumUp Limited, Dublin (Business-ID 505893), regulated by the Central Bank of Ireland, with a German Impressum, support in Berlin, a privacy policy and an EU data regulation notice. The rest of the chain stays unproven: we found no public information on hosting location, on the subprocessors behind the cloud TSE, payment processing and receipt delivery, on a published data processing agreement, or on ISO 27001 or SOC 2 — the only certification listed for the terminals is ISO 9001:2015. The payments entity in the chain, SumUp Payments Limited, is authorised by the UK FCA rather than an EU regulator. 2 7 8 17
The Hospitality Operations Manager
The legal notice gives me a European contracting entity to put in front of the works council — SumUp Limited, Harcourt Centre, Dublin, regulated by the Central Bank of Ireland — and a privacy policy with a notice on the EU data regulation exists. Beyond that the chain is dark: we found no public information on where till, staff and loyalty-guest data are hosted, on the subprocessors behind the cloud TSE, payment processing, receipt delivery or analytics, or on a published data processing agreement. 2 7 8
The Fee-Conscious Merchant
The contracting entity is SumUp Limited at Harcourt Centre, Dublin, regulated by the Central Bank of Ireland, and payments run through the same group, so entity and payment institution are European. The rest of the chain stays dark: the hosting location of the till data and the free cloud TSE is not stated, subprocessors are not listed, and I found no public information on a published data processing agreement or on ISO 27001 or SOC 2 certification; only an ISO 9001:2015 quality certificate for the terminals appears. 2 3 7 8
The Skeptic
The contracting entity is SumUp Limited at a Dublin address, regulated by the Central Bank of Ireland, with a published privacy policy, a separate policy for personal services and a bug bounty — that much stands on their own legal notice. We found no public information on where the till's data is hosted or who the subprocessors are — the cloud TSE, receipt delivery, analytics — and no security certification for the POS chain beyond the terminal hardware's ISO 9001:2015. Half the chain is proven European; the unproven half is the half that matters for fiscal data held ten years. 2 7 8
Pricing transparency
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How this is scored
Whether a buyer can compute the real annual cost from public pages alone: licence per till or per location, which modules (tables, kitchen display, stock, extra tills, DATEV export) cost extra, the TSE and its yearly fee, hardware to buy or rent, card terminal fees and transaction fees, setup and installation, support plans, minimum term and notice period.
0 — No public prices at all; every customer is a sales call or a dealer quote.
3 — A starting price or a free tier exists, but how cost scales with tills, locations, modules or hardware is unclear.
5 — Plans are public with their price per till or location and main inclusions, but at least one commonly needed piece (the TSE, extra tills, hardware, card fees, setup) is unpriced or "on request".
8 — Every plan priced publicly with its scaling rule, the TSE, hardware and add-ons priced, card fees and terminal costs listed, setup and support priced, minimum term and VAT treatment stated.
10 — Complete price computability: annual cost derivable for a given number of tills, locations, modules and card volume, with every add-on, hardware, TSE, setup, support and payment fee and the cancellation and data-return terms published.
The Café Owner
Most of the bill is readable up front: software at "0 €" or "49 €/Monat" for Plus, hardware sets at "549 €", "599 €" and "649 €" with their contents listed, card fees by card type, the TSE included free, no long-term contracts and VAT treatment marked. The pages give different figures for a hardware package ("999 €" alongside the others), and we found no public information on the price of a second till or location or on support plans. 1 2 6 11 12 13
The Retail Shop Owner
I can price most of a year from public pages: software at 0 € or 49 € per month with the Plus abo, hardware sets from 549 € to 649 € net with the retail set including the scanner, readers from 34 €, transaction fees of 1,39 % or 0,79 % with Zahlungen Plus from 17 € monthly, the TSE included at no charge, no rental fees, no long-term contracts, VAT shown on the prices, and instalments up to 24 months. The captured pages give different figures for the monthly software cost (one mentions 999 € once for a hardware package plus a monthly licence fee), and we found no public information on how the Plus plan scales per till or location, or on support plan pricing. 1 2 6 11 12 13 4
The Tax Adviser
Nearly the whole bill is public: software at 0 € or Kassensystem Plus 49 €/Monat, hardware sets priced net and gross (Kasse 399 €, Starter-Kit 549 €, Komplettset 599 €, Einzelhandel-Set 649 €), terminals (Solo Lite 34 €, Solo 79 €, Terminal 169 €), the cloud TSE at no charge, card fees by scheme with the 1,39 % headline or 0,79 % ab 17 € / Monat, VAT treatment stated, instalments up to 24 months, no long-term contracts and a 30-day money-back guarantee. The annual cost still cannot be computed cleanly: the scaling rule for the Plus plan per till or location is not stated, support plans are unpriced, and above 60.000 € Jahresumsatz the transaction fee becomes an individual sales quote. The captured pages also give different hardware-package figures — 999 € plus a monthly licence on the GoBD page against the set prices above. 1 2 6 11 12 13
The Hospitality Operations Manager
A single site's bill is largely computable: software at 0 € or Kassensystem Plus at 49 €/Monat, till sets at 399 € to 649 € net, readers at 169 €, 79 €, 34 € and Tap to Pay at 0 €, the TSE included free, VAT treatment and gross prices shown, no long-term contract, monthly billing and a 30-day money-back guarantee. The captured pages give different figures for the overall model — one states one-off costs of 999 € for the hardware package plus a monthly licence fee — and we found no public information on how cost scales per till or per site, on setup fees, or on priced support plans. 1 2 6 11 12 13
The Fee-Conscious Merchant
Nearly everything I need for a year's sum is public: the till software at 0 € a month or 49 € with the Plus plan, hardware sets from 399 € to 649 €, the Terminal at 169 €, the TSE included at no charge, 1,39 % per transaction or 0,79 % with Zahlungen Plus ab 17 € / Monat, no long-term contracts, VAT shown net and gross, free shipping, a 30-day money-back guarantee and instalments up to 24 months. Two things blur the sum: girocard and credit-card fees are published only as ranges je nach Anbieter, and the captured pages give different figures for the hardware and software costs — one describes a 999 € hardware package plus a monthly software licence beside the one-off set prices. I found no public information on setup or support fees or on data-return terms at cancellation. 1 2 6 11 12 13
The Skeptic
Plans and kit are largely computable: a free tier, Kassensystem Plus at 49 €/Monat, hardware sets from 549 € to 649 €, terminals from 34 € to 169 €, card fees by type, no long-term contracts and VAT treatment shown. What a buyer cannot compute from these pages: the price of the receipt printer with the integrated TSE (only said to be orderable in the shop), any setup or support fee, and — note this — the captured pages give different figures for the hardware package, 599 € for the complete set on one page and a one-off 999 € plus a monthly software licence on another; I do not choose between them, the buyer will have to. 1 2 3 4 6 11 13
European sovereignty — proven facts
0 of 6 dimensions provenBuilt only from facts shown on the vendor's own pages. A dimension we could not prove is left open, not scored as zero.
| Legal entity | Not determined ⚠ unverified | — | uncited Report an error |
|---|---|---|---|
| Hosting location | Not determined | — | uncited Report an error |
| Hosting options | Not determined | — | uncited Report an error |
| Open source | Not determined | — | uncited Report an error |
| Data processing agreement | Not determined | — | uncited Report an error |
| Transfer impact assessment | Not determined | — | uncited Report an error |
Questions about SumUp POS
Is SumUp POS European?
Yes. whats-best.ai classifies SumUp POS as EU-Made.
Where does SumUp POS store data?
Not stated on the vendor’s pages as of 29 Oct 2026.
Does SumUp POS have a free plan?
Yes. SumUp POS has a free plan, per the vendor’s page captured 29 Oct 2026.
What are the best alternatives to SumUp POS?
As of 3 Nov 2026, the panel rates ready2order (3.5/5), Square (3/5) and Gastronovi (3/5) highest among the other 18 POS & Checkout Systems products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is ready2order (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: how scores are made. The full list, with European products first: SumUp POS alternatives.
Where this could be wrong
- Evidence ages. The oldest capture behind this page is from 29 Oct 2026. Vendors change pricing and policies without notice; every fact reflects its source as of the capture date shown in the registry.
- Weak sourcing — Legal entity. Not confirmed on the vendor’s own pages as captured.
- AI can misread a source. Extraction and judgement are automated; a citation guarantees traceability, not infallibility. If something here is wrong, say so — no account needed, every report is decided within 5 business days, and accepted corrections are published.
What we left out
A claim that does not survive our checks costs us the claim, not the page. This is what was taken off this one.
- 19 pricing facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 18 product facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 5 compliance facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 2 legal facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 1 integrations fact could not be confirmed on the vendor’s page as captured and was left out of this page and of the panel’s material. Know more? Tell us
- 1 support fact could not be confirmed on the vendor’s page as captured and was left out of this page and of the panel’s material. Know more? Tell us
- 1 sovereignty dimension could not be confirmed on the vendor’s own pages and is shown as unknown. Know more? Tell us
- 6 of the readings below were written against an earlier fact sheet — a fact has been corrected, added or pulled since. Until the panel next runs on this product you are reading the older judgement. Know more? Tell us
Sources (18)
The pages every claim on this page was read from — each one checked, dated, and kept verifiable.
- 1 Vendor homepage (till) www.sumup.com Checked 29 Oct 2026 Details →
- 2 Features page (tablet till) www.sumup.com Checked 29 Oct 2026 Details →
- 3 Features page (KassenSichV) www.sumup.com Checked 29 Oct 2026 Details →
- 4 Features page (card terminals) www.sumup.com Checked 29 Oct 2026 Details →
- 5 API documentation developer.sumup.com Checked 29 Oct 2026 Details →
- 6 Pricing page www.sumup.com Checked 29 Oct 2026 Details →
- 7 Legal notice www.sumup.com Checked 29 Oct 2026 Details →
- 8 Privacy policy www.sumup.com Checked 29 Oct 2026 Details →
- 9 Checkout, receipts & hardware — found from sitemap www.sumup.com Checked 29 Oct 2026 Details →
- 10 Checkout, receipts & hardware — found from sitemap www.sumup.com Checked 29 Oct 2026 Details →
- 11 Card payments & fees — found from sitemap www.sumup.com Checked 29 Oct 2026 Details →
- 12 Card payments & fees — found from sitemap www.sumup.com Checked 29 Oct 2026 Details →
- 13 Fiscal compliance (TSE, DSFinV-K, RKSV) — found from sitemap www.sumup.com Checked 29 Oct 2026 Details →
- 14 Fiscal compliance (TSE, DSFinV-K, RKSV) — found from sitemap www.sumup.com Checked 29 Oct 2026 Details →
- 15 Inventory, tables, staff & locations — found from sitemap www.sumup.com Checked 29 Oct 2026 Details →
- 16 Inventory, tables, staff & locations — found from sitemap www.sumup.com Checked 29 Oct 2026 Details →
- 17 Accounting handoff, DATEV & data export — found from sitemap www.sumup.com Checked 29 Oct 2026 Details →
- 18 Accounting handoff, DATEV & data export — found from sitemap developer.sumup.com Checked 29 Oct 2026 Details →