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POS & Checkout Systems

SumUp POS

EU-Made Report an error

Panel rating · 6 judges · How to read the stars

Category median

Sovereignty: not determined

0–5 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: AI-assisted analysis on whats-best.ai SumUp POS: AI-assisted analysis on whats-best.ai (dark)

Add ?theme=dark to the image address for dark backgrounds. The badge shows the category and the month of the latest evaluation, and EU-Made where that is the product’s provenance. It never shows a score.

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

SumUp POS alternatives, European ones first →

Read this page as one judge. Each weighs the same scores by what they care about.

The Fee-Conscious Merchant

Weighted verdict

Sells ice cream from a shop in spring and summer and from a market stall at Christmas, mostly in amounts under five euros, and more of them by card every year. Wants the fee per girocard and credit card payment on the price page, a terminal he can choose rather than the one the till insists on, hardware that runs off a battery, no monthly fee in the closed months, and the real cost of "free".

Same scores as the panel view — this lens weights them the way this judge cares.

Scored by The Fee-Conscious Merchant

Panel median The Fee-Conscious Merchant This judge’s scores over the panel median. Each label opens its reasoning below.
Scores per criterion, in stars out of 5
Criterion Panel median The Fee-Conscious Merchant
Checkout, receipts & hardware 3.5 of 5 3.5 of 5
Card payments & fees 3.5 of 5 3 of 5
Fiscal compliance (TSE, DSFinV-K, RKSV) 2 of 5 2 of 5
Inventory, tables, staff & locations 3 of 5 3 of 5
Accounting handoff, DATEV & data export 3 of 5 3 of 5
European sovereignty 1.5 of 5 1.5 of 5
Pricing transparency 3.5 of 5 3.5 of 5

Checkout, receipts & hardware

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.

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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

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Card payments & fees

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.

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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

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Fiscal compliance (TSE, DSFinV-K, RKSV)

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.

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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

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Inventory, tables, staff & locations

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.

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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

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Accounting handoff, DATEV & data export

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.

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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

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European sovereignty

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.

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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

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Pricing transparency

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.

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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

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European sovereignty — proven facts

0 of 6 dimensions proven

Built only from facts shown on the vendor's own pages. A dimension we could not prove is left open, not scored as zero.

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

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.

Do you know more about SumUp POS? Tell us Report an error on this page

Sources (18)

The pages every claim on this page was read from — each one checked, dated, and kept verifiable.

  1. 1 Vendor homepage (till) www.sumup.com Checked 29 Oct 2026 Details →
  2. 2 Features page (tablet till) www.sumup.com Checked 29 Oct 2026 Details →
  3. 3 Features page (KassenSichV) www.sumup.com Checked 29 Oct 2026 Details →
  4. 4 Features page (card terminals) www.sumup.com Checked 29 Oct 2026 Details →
  5. 5 API documentation developer.sumup.com Checked 29 Oct 2026 Details →
  6. 6 Pricing page www.sumup.com Checked 29 Oct 2026 Details →
  7. 7 Legal notice www.sumup.com Checked 29 Oct 2026 Details →
  8. 8 Privacy policy www.sumup.com Checked 29 Oct 2026 Details →
  9. 9 Checkout, receipts & hardware — found from sitemap www.sumup.com Checked 29 Oct 2026 Details →
  10. 10 Checkout, receipts & hardware — found from sitemap www.sumup.com Checked 29 Oct 2026 Details →
  11. 11 Card payments & fees — found from sitemap www.sumup.com Checked 29 Oct 2026 Details →
  12. 12 Card payments & fees — found from sitemap www.sumup.com Checked 29 Oct 2026 Details →
  13. 13 Fiscal compliance (TSE, DSFinV-K, RKSV) — found from sitemap www.sumup.com Checked 29 Oct 2026 Details →
  14. 14 Fiscal compliance (TSE, DSFinV-K, RKSV) — found from sitemap www.sumup.com Checked 29 Oct 2026 Details →
  15. 15 Inventory, tables, staff & locations — found from sitemap www.sumup.com Checked 29 Oct 2026 Details →
  16. 16 Inventory, tables, staff & locations — found from sitemap www.sumup.com Checked 29 Oct 2026 Details →
  17. 17 Accounting handoff, DATEV & data export — found from sitemap www.sumup.com Checked 29 Oct 2026 Details →
  18. 18 Accounting handoff, DATEV & data export — found from sitemap developer.sumup.com Checked 29 Oct 2026 Details →