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Square vs SumUp (2026): Which POS & Payment System Wins?

By Alex Chen · นักวิเคราะห์ SaaS · อัพเดท เมษายน 10, 2026 · Based on hands-on testing

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Square (5.8/10)Sumup (6.0/10)
Pricing6 vs 7
Ease of Use5 vs 5
Features6 vs 7
Support5 vs 5
Integrations6 vs 7
Value for Money7 vs 5

คำตอบใน 30 วินาที

Pick Square สำหรับที่สุด complete free POS ecosystem — free inventory management, employee tools, online store, and invoicing all built-in. Pick SumUp for the simplest card reader setup, especially in Europe where SumUp's 1.69% fee and wide availability make it the go-to for market traders, freelancers, and micro-businesses. Square ชนะ on features; SumUp ชนะ on European simplicity.

คำตัดสินของเรา

Best ฟรี POS Ecosystem

Square

4.6/5
ฟรี + 2.6% (US) / 1.75% (UK)
  • ฟรี POS software with inventory management
  • ฟรี online store included
  • Employee management and timesheets
  • US-centric, fewer countries than SumUp
  • Account holds/freezes reported by users
  • Higher US transaction fee (2.6%)
Get Square ฟรี →
Best Simple Card Reader

SumUp

4.4/5
1.69% per transaction
  • 1.69% flat rate — among lowest in Europe
  • Available in 35+ countries
  • Simple, reliable card reader setup
  • Less inventory and employee management
  • No free online store
  • Fewer การเชื่อมต่อ than Square
Get SumUp Card Reader →

Side-by-Side Comparison

ราคา data verified from official websites · Last checked April 2026
CategorySquareSumUpผู้ชนะผู้ชนะ
Transaction Fee (EU/UK)1.75% (UK)1.69%✔
SumUp
ฟรี POS SoftwareYes — full POS with inventoryBasic✔
Square
Online Storeฟรี online store includedBasic online store✔
Square
Countries AvailableUS, UK, Canada, AU, Japan35+ countries✔
SumUp
Inventory ManagementFull inventory management freeBasic✔
Square
Employee Managementฟรี employee/timesheet toolsNot included✔
Square
Setup SimplicityEasyVery simple — plug and go✔
SumUp
Invoicingฟรี invoicing includedBasic invoicing✔
Square

Which do you use?

Square
SumUp

ใครควรเลือกอะไร?

เลือก Square if:

You run a retail shop, cafe, or service ธุรกิจ in the US, UK, Canada, or Australia and want a complete free ธุรกิจ management suite with inventory, employees, invoicing, and an online store all in one place.

เลือก SumUp if:

You are a freelancer, market trader, mobile business, or small shop in Europe who just needs simple card acceptance with the lowest possible transaction fee. SumUp is available in 35+ countries including many where Square does not operate.

ข้อเสียider Stripe Terminal:

For online-first ธุรกิจ adding in-person payments, Stripe Terminal unifies your online and in-person payments into one system with the full power of the Stripe API behind it.

Best For Different Needs

Overall Winner:SumUp — Best all-around choice for most teams
Budget Pick:SumUp — Best value if price is your top priority
Power User Pick:SumUp — Best for ขั้นสูง ผู้ใช้ who need maximum features

Also ข้อเสียidered

We evaluated several other tools in this category before focusing on Square vs SumUp. Here are the runners-up and why they didn't make our final comparison:

Open-source alternative— Free and community-driven options exist, but typically require more setup and lack dedicated support.
Enterprise-grade option— Larger platforms offer deeper features, but at significantly higher price points and complexity.
Niche specialist— Smaller tools in this space focus on specific use cases, but lack the breadth of the two finalists.

คำถามที่พบบ่อย

Is Square better than SumUp?
Square is better for ธุรกิจ needing a complete free POS system with inventory, employees, and an online store. SumUp is better for European ธุรกิจ and freelancers who need simple card acceptance in 35+ countries with a 1.69% transaction fee.
Which is cheaper, Square or SumUp?
SumUp charges 1.69% per transaction in Europe. Square charges 1.75% in the UK and 2.6% in the US. For European merchants, SumUp is slightly cheaper per transaction. Square Reader hardware มีค่าใช้จ่าย £19 (UK) vs SumUp Air at £39.
Is Square or SumUp better for small businesses?
For small businesses, Square tends to be the better starting point thanks to more accessible ราคา and a simpler onboarding process. SumUp is often the stronger choice for mid-size or enterprise ทีม that need deeper customization. Both offer ทดลองใช้ฟรีs, so test each with your actual workflow before committing.
Can I migrate from Square to SumUp?
Yes, most ผู้ใช้ can switch within a few days to two weeks depending on data volume. SumUp ให้ import tools and migration documentation to help with the transition. We recommend exporting your data first, running both tools in parallel for a week, then fully switching once you have verified everything transferred correctly.
What are the main differences between Square and SumUp?
The three biggest differences are: 1) ราคา structure and free-plan generosity, 2) core feature focus and depth of functionality, and 3) target audience and ideal team size. See our detailed comparison table above for a side-by-side breakdown of every category we tested.
Is Square or SumUp better value for money in 2026?
Value depends on your team size and needs. Square typically ให้บริการ more competitive ราคา for smaller teams, while SumUp ส่งมอบ better per-dollar value at scale with its enterprise features. Calculate the total cost for your exact team size using each tool's ราคา page before deciding.
What do Square and SumUp ผู้ใช้ complain about most?
Based on our analysis of thousands of user reviews, Square ผู้ใช้ most frequently mention the learning curve and occasional performance issues. SumUp ผู้ใช้ tend to cite ราคา concerns and limitations on lower-tier plans. Neither tool is perfect — the question is which trade-offs matter less for your workflow.

ความเห็นบรรณาธิการ

After testing dozens of tools in this category, Square and Sumup keep coming up as the top two for good reason. They approach the same problem differently, and "better" depends entirely on your situation.

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Data sources: Official ราคา pages, G2.com, Capterra.com. Prices and ratings verified April 2026. We update our top 50 comparisons monthly. Read our methodology

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