Square Payments vs SumUp

PayPal

Venmo

Stripe

Square Point of Sale

PayPal Point of Sale

Clover

Compare Square Payments and SumUp based on features, pricing, verified reviews, integrations & more on GetApp. Find out which software is best for your business in 2026.

Clover is an all-in-one platform designed to help on and offline retailers, quick service restaurants, and other service businesses manage their point-of-sale operations, with secure payment solutions and reliable business management features

The PayPal Here app is a mobile point of sale (POS) software designed to help businesses securely process debit or credit card payments and generate invoices. The application enables retailers and manufacturers to create and organize product lists and add details including photos and descriptions.

Venmo is a digital wallet and payment gateway that allows customers to send money and make purchases via mobile device, and share activity via the purchase feed

Square Payments is an online payment processing solution which integrates with Square hardware & POS software to allow businesses to accept payments

ACH Payment Processing

Activity Dashboard

Billing & Invoicing

Cash Management

Compliance Management

Contactless NFC

Credit Card Processing

Cryptocurrency Processing

Customer Database

Data Security

Debit/Credit Card Processing

Electronic Payments

Electronic Signature

Fraud Detection

Gift Card Management

In-Person Payments

Invoice Management

Mobile Access

Mobile Card Reader

Mobile Payments

Multiple Payment Options

Offline Access

Online Payments

Partial Payments

Payment Fraud Prevention

Payment Links

PCI Compliance

Point of Sale (POS)

Receipt Management

Recurring/Subscription Billing

Reminders

Reporting & Statistics

Reporting/Analytics

Sales Reports

SSL Security

Third-Party Integrations

Transaction History

Square Payments

Android

Web-based

iPad

iPhone

eCommerce

I like that it is straight forward and easy to use, plus they offer additional products like financing and capital advances that are useful for growing businesses.

Reservation sales representative

I love the simplicity of the software. I love being able to accept credit card or debit card payments directly on my phone with the small noninvasive  card reader that i attach to my phone.

I do not think I have have anything I do not like about square payments. I guess if you put in the wrong email that can be annoying but that more user error.

Manager

I love this software, our employees love it too because it gives them better tips at the end of the day.

Owner

Simple reporting is my favorite feature, especially compared to other platforms. Helping my clients with meaningful reporting without having to modify the data is super convenient.

Student 

I love the ease of use this product provides. I feel it is especially beneficial for small businesses and often see the product used at places like farmers markets which I love to support.

Outreach Worker

I love how with the ease of just hooking as an adapter up to my phone I am able to accept payments. It's fast and easy to use.

Owner/ Founder

We love the  user experience so clean and easy to use. We also love the accessibility to use on different devices.

Video and Motion Graphics Designer

People love how popular this is because it recognizes them and saves their preferences.

We do not use this software very frequently, but when we do it is super easy to pick back up and use even after not using it for a while. Very user friendly and convenient.

Great - love their customer service, they quickly send out new square devices and have always felt the transactions are safe and protected.

Owner 

I had to walk around & often ended up some distance away from the customer. It was awkward because I had to have their card with me & this probably made the customer feel uneasy.

PTO secretary 

Our school has had great luck using Square and it has helped overall with our fundraising and money intake.

Owner/operator 

It also bothered me that they charge more to type in the card numbers when you’re unable to swipe the card in person.

Behavioral Analyst

There are none that impede function. Maybe sometimes it won't read cards and that is inconvenient when you're trying to move a lot of customers.

LMT Owner

I've been using Square since 2011 and I can't talk about how important it's been to my business enough. Great small investment for a huge return.

This product is easy to use and integrate into you website or appointment bookings and great for collecting fees from clients.

Educator

Very helpful customer service. Ease of end user payments for your business.

Square Payments screenshot: Square Payments details

Square Payments screenshot: Square Payments digital receipts

Square Payments screenshot: Square Payments virtual terminal

Square Payments screenshot: Square Payments
application dashboard

Freelancers

Large Enterprises

Mid Size Business

Non Profit

Public Administrations

Small Business

Square Point of Sale is a POS solution for Android and iOS devices which includes tools for managing payments, digital receipts, inventory, reports, and more.

Stripe is a comprehensive financial infrastructure platform that enables businesses to accept payments online and in person. It offers a suite of APIs for payment processing, subscription management, fraud prevention, and financial services integration, supporting over one hundred payment methods across multiple currencies. Stripe provides both developer-focused tools with extensive documentation and no-code solutions for businesses without technical staff.

PayPal provides an end-to-end suite of tools that can integrate with a business's existing systems and service providers. Its network of shoppers and businesses provides AI-driven data insights to help businesses reach new customers and drive results.

SumUp offers card readers and POS systems designed for small businesses across various industries. The platform provides comprehensive payment solutions including portable card readers, self-service kiosks, and invoicing capabilities. SumUp also features financial management tools such as business checking accounts and customer engagement options through gift cards and reward programs, all accessible through a single mobile application.

Accounting Integration

Barcode Recognition

Barcode/Ticket Scanning

Campaign Analytics

Campaign Management

Campaign Planning

Client Portal

Commission Management

Communication Management

Customer Accounts

Customer Acquisition

Customer Activity Tracking

Customer History

Customer Profiles

Customer Segmentation

Customer Surveys

Customizable Branding

Customizable Invoices

Customizable Reports

Customizable Templates

Discount Management

Document Management

eCommerce Management

Email Management

Email Marketing

Employee Management

Engagement Tracking

Feedback Management

For Small Businesses

Gamification

Inventory Management

Inventory Tracking

Invoice Creation

Invoice History

Invoice Processing

Loyalty Cards

Loyalty Program

Member Portal

Membership Management

Multi-Campaign

Multi-Channel Communication

Multi-Channel Data Collection

Multi-Channel Marketing

Multi-Location

Online Invoicing

Order Management

Ordering Automation

Payment Gateway Integration

Payment Processing

Performance Metrics

Promotions Management

Purchase Order Management

QR Codes

Real-Time Data

Real-Time Reporting

Real-Time Updates

Referral Tracking

Restaurant POS

Retail Inventory Management

Retail POS

Returns Management

Rewards Management

Rewards Points

Sales Order Management

Sales Tax Management

Sales Trend Analysis

Self Service Portal

SMS Marketing

Social Promotion

Stock Management

Tax Calculation

SumUp

Vice President

This product is a great useful partner for my business, we deliver some of our marketing materials to our loyal customers with this. It's easy, quick, and professional.

Online retail wholesaler

I love that it's very easy to use at the register, and you can see how many points you have earned from previous purchases. Also, very easy to implement your rewards.

Founder

The most awesome feature I love about Debitoor is the option to import my business account so that I can go through it and use the incoming and outgoing payments as a todo list.

Law Student

This software encouraged me to continue to come back to get rewards, the rewards seemed like a bonus.

Customer Service Specialist 

The only complaint that I currently have is the limited availability in my area.

Barista 

Its super easy to use and understand and customer service is very helpful and knowledgeable.

Everything the worst company ever I have used disgusting customer service.

Personal Trainer 

Amazing - would definitely recommend for all small and medium businesses.

team manager

The best thing about sumup is that provides pos with low cost and high quality. And accept several many payment methods like google and apple pay.

Our experience has been great with Fivestar. The customer service is top notch.

Often it works but sometime it's so long to do a payment with a client, loading, disconnection, error, no connection... and you don"t know why and when it will arriv.

Insurance Agent

I love how it send me my rewards and keeps them on point. I am able to search locations near me very quickly.

Retiree

Crossroads is awesome for everyone. Use of their system is so easy and rapid.

Bosd

Great Hud easy to use and all together great service.

The fact that one can be rewarded just for visiting a store or restaurant or any other place of business for that matter through five stars integration is always beneficial.

Freelance Web Developer

Debitoor sadly does not provide nearly enough features in the reporting departement.

Inexpensive and good value for even small traders. The battery also lasts a very long time on a charge and doesn't deplete even when left for longer periods.

Square Payments vs SumUp Comparison (2026)

Square Payments

SumUp

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives