[Home](https://www.selecthub.com/) \> [POS](https://www.selecthub.com/category/pos/) \> [POS Software](https://www.selecthub.com/c/pos-software/) \> [SumUp](https://www.selecthub.com/p/pos-software/sumup/) \> SumUp vs Stripe Terminal # SumUp vs Stripe Terminal Last Updated: March 30th, 2026 Our analysts compared [SumUp](https://www.selecthub.com/p/pos-software/sumup/) vs [Stripe Terminal](https://www.selecthub.com/p/pos-software/stripe-terminal/) based on data from our 400+ point analysis of [POS Software](https://www.selecthub.com/c/pos-software/), user reviews and our own crowdsourced data from our [free software selection platform](https://www.selecthub.com/about/start-free-selection-project-site/?category=POS Software&cta=pos-software). [Overview](#product-overview) [Pricing](#product-pricing) [Our Review](#product-analyst-summary) [Features](#product-benefits-features) [User Ratings](#user-sentiment-section) [Screenshots](#product-screenshots) [![SumUp Software Tool](https://cdn.selecthub.com/products/5677daf23249cd3061fec263776483bb-3c4d93d5b670ffaa29303db957b98d60/resources/normal/logo.png?1736526799)](https://www.selecthub.com/p/pos-software/sumup/) [ ![Product Awards](https://www.selecthub.com/display/images/awards_badge.svg) ](#awards-section) [![Stripe Terminal Software Tool](https://cdn.selecthub.com/products/e6fb52c108655e3dbb47bfeccce12131-eacf331f0ffc35d4b482f1d15a887d3b/resources/normal/logo.png?1693323842)](https://www.selecthub.com/p/pos-software/stripe-terminal/) [ ![Product Awards](https://www.selecthub.com/display/images/awards_badge.svg) ](#awards-section) [Get Free Demo](https://pmo.selecthub.com/get-product-demo/?category=POS+Software&product%5Fname=SumUp&product%5Flogo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2F5677daf23249cd3061fec263776483bb-3c4d93d5b670ffaa29303db957b98d60%2Fresources%2Fnormal%2Flogo.png%3F1736526799) [Demo](https://pmo.selecthub.com/get-product-demo/?category=POS+Software&product%5Fname=SumUp&product%5Flogo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2F5677daf23249cd3061fec263776483bb-3c4d93d5b670ffaa29303db957b98d60%2Fresources%2Fnormal%2Flogo.png%3F1736526799) [Request Pricing](https://pmo.selecthub.com/get-product-pricing/?category=POS+Software&product%5Fname=SumUp&product%5Flogo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2F5677daf23249cd3061fec263776483bb-3c4d93d5b670ffaa29303db957b98d60%2Fresources%2Fnormal%2Flogo.png%3F1736526799&price=2) [Pricing](https://pmo.selecthub.com/get-product-pricing/?category=POS+Software&product%5Fname=SumUp&product%5Flogo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2F5677daf23249cd3061fec263776483bb-3c4d93d5b670ffaa29303db957b98d60%2Fresources%2Fnormal%2Flogo.png%3F1736526799&price=2) [Get Free Demo](https://pmo.selecthub.com/get-product-demo/?category=POS+Software&product%5Fname=Stripe%2BTerminal&product%5Flogo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2Fe6fb52c108655e3dbb47bfeccce12131-eacf331f0ffc35d4b482f1d15a887d3b%2Fresources%2Fnormal%2Flogo.png%3F1693323842) [Demo](https://pmo.selecthub.com/get-product-demo/?category=POS+Software&product%5Fname=Stripe%2BTerminal&product%5Flogo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2Fe6fb52c108655e3dbb47bfeccce12131-eacf331f0ffc35d4b482f1d15a887d3b%2Fresources%2Fnormal%2Flogo.png%3F1693323842) [Request Pricing](https://pmo.selecthub.com/get-product-pricing/?category=POS+Software&product%5Fname=Stripe%2BTerminal&product%5Flogo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2Fe6fb52c108655e3dbb47bfeccce12131-eacf331f0ffc35d4b482f1d15a887d3b%2Fresources%2Fnormal%2Flogo.png%3F1693323842&price=1) [Pricing](https://pmo.selecthub.com/get-product-pricing/?category=POS+Software&product%5Fname=Stripe%2BTerminal&product%5Flogo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2Fe6fb52c108655e3dbb47bfeccce12131-eacf331f0ffc35d4b482f1d15a887d3b%2Fresources%2Fnormal%2Flogo.png%3F1693323842&price=1) ### Products Insights Product Ranking ## #9 among all POS Software ## #18 among all POS Software [Find out who the leaders are](https://pmo.selecthub.com/request-custom-scorecard?post%5Ftype=auto%5Fvs%5Farticle&category%5Fslug=pos-software&product%5Fslug=sumup&category=POS+Software) Price Starts From $99 Monthly + 2.6% + 10¢ [ Free Trial is available →](https://pmo.selecthub.com/free-trial/?product%5Fname=SumUp&category=POS Software&product%5Flogo=https://d3uimxdj41cg3o.cloudfront.net/products/5677daf23249cd3061fec263776483bb-3c4d93d5b670ffaa29303db957b98d60/resources/normal/logo.png?1736526799) [Get a free price quote](https://pmo.selecthub.com/get-product-pricing/?category=POS+Software&product%5Fname=SumUp&origin%5Furl=https%3A%2F%2Fwww.selecthub.com%2Fpos-software%2Fsumup-vs-stripe-terminal%2F&product%5Flogo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2F5677daf23249cd3061fec263776483bb-3c4d93d5b670ffaa29303db957b98d60%2Fresources%2Fnormal%2Flogo.png%3F1736526799&price=2) Tailored to your specific needs $0.30/Transaction + 2.7% Flat Rate Free Trial is unavailable → [Get a free price quote](https://pmo.selecthub.com/get-product-pricing/?category=POS+Software&product%5Fname=Stripe%2BTerminal&origin%5Furl=https%3A%2F%2Fwww.selecthub.com%2Fpos-software%2Fsumup-vs-stripe-terminal%2F&product%5Flogo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2Fe6fb52c108655e3dbb47bfeccce12131-eacf331f0ffc35d4b482f1d15a887d3b%2Fresources%2Fnormal%2Flogo.png%3F1693323842&price=1) Tailored to your specific needs Pros What we like about SumUp and Stripe Terminal: **Comprehensive Features:** User reviews highlight that SumUp offers a robust suite of point-of-sale features, including inventory management, even at the ingredient level, which is particularly beneficial for restaurants and cafes. **Ease of Use:** SumUp is consistently praised for its user-friendly interface, making it simple for businesses to get started with processing transactions and managing their sales. **Competitive Pricing:** Users generally find SumUp's pricing to be reasonable, especially when considering the included features and the integration with SumUp card readers, which offer competitive transaction rates. **Easy Integration:** Stripe Terminal POS is praised for its ability to seamlessly integrate with the larger Stripe ecosystem, simplifying payment processing and business management. **User-Friendly Interface:** The system is designed with an intuitive interface, making it easy for staff to learn and use, even with minimal training. **Customization Options:** Businesses appreciate the flexibility to tailor the POS system to their specific needs, such as customizing receipts or integrating with existing checkout workflows. **Reliable Hardware:** Stripe's hardware is recognized for its dependability, ensuring smooth and uninterrupted transaction processing for businesses. Cons What we dislike about SumUp and Stripe Terminal: **Limited Free Plan:** SumUp lacks a permanent free plan, potentially impacting budget-conscious businesses. **Physical Gift Card Limitations:** The system's inability to process physical gift cards might be a drawback for businesses that utilize them. **Customer Service and Stability Concerns:** User reviews indicate occasional issues with customer service responsiveness and account stability, which are crucial for smooth business operations. **Initial Setup Complexity:** Users without a technical background might find the initial setup process challenging. **Transaction Fees:** While competitive, the transaction fees, which can be 2.7% plus 5 cents per transaction, can accumulate for businesses with high sales volume. **Customer Support Concerns:** Some users have reported delays in response times from Stripe Terminal's customer support, impacting their ability to resolve issues promptly. ### Our Review Want to know if SumUp is a good sum-mary of what a POS system should be? SumUp's POS software is a popular choice for small and mobile businesses, known for its affordability and user-friendliness. Users highlight its transparent pricing structure, with no monthly fees for card readers and competitive transaction fees, starting at 2.75% for in-person payments, as a major plus. The software supports various payment methods, including chip, swipe, and contactless payments, and integrates seamlessly with SumUp's mobile app via Bluetooth. This makes it incredibly convenient for businesses on the move, such as pop-up shops or food trucks. However, SumUp is not without its drawbacks. Users point out the lack of a free plan for the POS software as a disadvantage, especially compared to competitors like Square. Additionally, the need for a separate application for a virtual terminal can be cumbersome for businesses that handle a significant volume of online transactions. While SumUp's POS system shines in its simplicity and ease of use, it may not be suitable for businesses with more complex needs, such as those requiring advanced inventory management or multi-store functionalities. Overall, SumUp is best suited for small businesses with straightforward payment needs, particularly those operating in mobile or pop-up environments. Its affordability, ease of use, and support for various payment methods make it a practical solution for businesses looking to get up and running quickly. However, businesses with more complex requirements or a high volume of online transactions might find SumUp's limitations restrictive and should consider alternatives offering a more comprehensive feature set. [Show more](#) Is Stripe Terminal the main vein when it comes to POS solutions? User reviews from the last year suggest Stripe Terminal is a robust payment processing platform that shines when it comes to its seamless integration with the broader Stripe ecosystem, making it a no-brainer for businesses already using Stripe for online payments. This integration simplifies reconciliation and reporting by managing both online and in-person payments in one central hub. Users rave about the flexibility of Stripe Terminal's API and SDK, which allows for extensive customization, including personalized email receipts and integration with various POS applications. For instance, businesses can tailor their checkout flow and even enable contactless payments directly on compatible iPhones or Android devices using Tap to Pay. However, some users point out that while the platform boasts no monthly fees, setup can be a headache for those without a tech background, potentially leading to increased upfront costs. Additionally, while transaction fees are competitive, they can add up for businesses with high sales volume, impacting their bottom line. Another area of concern is customer support, with some users reporting sluggish response times, which can be frustrating for businesses needing quick assistance. Overall, Stripe Terminal is best suited for tech-savvy businesses already familiar with or utilizing the Stripe ecosystem for their online transactions. Its robust API and seamless integration capabilities provide a unified platform for managing online and in-person payments, making it a solid choice for businesses looking to streamline their payment processing operations. [Show more](#) ### Key Features * **Mobile Card Readers:** SumUp offers compact, portable card readers that connect via Bluetooth, allowing businesses to accept payments on the go. * **Multi-Platform Compatibility:** The software is compatible with both iOS and Android devices, ensuring flexibility for users across different mobile platforms. * **Contactless Payments:** Supports NFC technology, enabling quick and secure contactless payments through cards, smartphones, and wearables. * **Online Payment Links:** Merchants can generate payment links to send to customers via email or text, facilitating remote transactions without a physical card reader. * **Invoicing Capabilities:** Users can create and send professional invoices directly from the app, streamlining the billing process. [read more...](#) * **Customizable Checkout:** Tailor the checkout experience to match your brand and business needs, whether through pre-built components or custom-built solutions. * **Developer-Friendly SDKs:** Utilize robust SDKs for iOS, Android, and JavaScript, enabling seamless integration with your existing systems and applications. * **End-to-End Encryption:** Ensure secure transactions with end-to-end encryption, protecting sensitive payment information from the point of entry to the final processing. * **Global Reach:** Accept payments in over 135 currencies and multiple payment methods, including credit cards, debit cards, and mobile wallets, to cater to a global customer base. * **Real-Time Reporting:** Access detailed transaction data and analytics in real-time, allowing for better business insights and decision-making. [read more...](#) ### User Sentiment Summary SumUp has a user sentiment rating of 90 based on 1526 reviews. Stripe Terminal has a user sentiment rating of 94 based on 5276 reviews. ![Excellent User Sentiment](https://www.selecthub.com/display/images/scores/excellent.svg) 1526 reviews ![Excellent User Sentiment](https://www.selecthub.com/display/images/scores/excellent.svg) 5276 reviews Synopsis Evaluating all review platforms, our market analysts have compiled the following user sentiment data. 90% of users recommend this product SumUp has a 'excellent' User Satisfaction Rating of 90% when considering 1526 user reviews from 2 recognized software review sites. 94% of users recommend this product Stripe Terminal has a 'excellent' User Satisfaction Rating of 94% when considering 5276 user reviews from 2 recognized software review sites. User Review Scores **Software Advice, Inc** **4.5** (1462) **4.68** (2586) **Capterra Inc** **4.5** (64) **4.7** (2690) ### Awards SelectHub awards earned by these products based on a comprehensive analysis by our research analysts. SumUp stands above the rest by achieving an ‘Excellent’ rating as a User Favorite. ![User Favorite Award]() Stripe Terminal stands above the rest by achieving an ‘Excellent’ rating as a User Favorite. ![User Favorite Award]() ### Product Assistance Training Resources Documentation In Person Live Online Videos Webinars Documentation In Person Live Online Videos Webinars Support Email Phone Chat FAQ Forum Knowledge Base 24/7 Live Support Email Phone Chat FAQ Forum Knowledge Base 24/7 Live Support ### Product Basics Company Size i Small Medium Large Small Medium Large Platforms Supported Windows Mac Linux Android Chromebook Windows Mac Linux Android Chromebook Deployment Supported Cloud On-Premise Mobile Cloud On-Premise Mobile Comparison of Top Alternatives [ SumUp Alternatives](https://www.selecthub.com/pos-software/sumup/alternatives/) [ Stripe Terminal Alternatives](https://www.selecthub.com/pos-software/stripe-terminal/alternatives/) ### Screenshots ![Screenshots]() ![Screenshots]()![Screenshots]() Our analysts compared SumUp vs Stripe Terminal based on data from our 400 point analysis of POS Software, users reviews, and our own crowdsourced data from our free software selection platform. [ Get Your Free Comparison Report](https://pmo.selecthub.com/request-custom-scorecard/?category=POS%20Software) ### Top Alternatives in POS Software [ Bindo ](https://www.selecthub.com/p/pos-software/bindo/) [ Clover ](https://www.selecthub.com/p/pos-software/clover/) [ Epos Now ](https://www.selecthub.com/p/pos-software/epos-now/) [ Erply ](https://www.selecthub.com/p/retail-pos-systems/erply/) [ Helcim ](https://www.selecthub.com/p/pos-software/helcim/) [ Hike POS ](https://www.selecthub.com/p/retail-pos-systems/hike-pos/) [ KORONA POS ](https://www.selecthub.com/p/pos-software/korona-pos/) [ Lightspeed ](https://www.selecthub.com/p/pos-software/lightspeed/) [ Lightspeed Retail ](https://www.selecthub.com/p/retail-pos-systems/lightspeed-retail/) [ MICROS ](https://www.selecthub.com/p/pos-software/micros/) [ NCR Voyix ](https://www.selecthub.com/p/restaurant-management-software/ncr-voyix/) [ PHP POS ](https://www.selecthub.com/p/retail-pos-systems/php-pos/) [ Rain POS ](https://www.selecthub.com/p/retail-pos-systems/rain-pos/) [ Revel POS ](https://www.selecthub.com/p/restaurant-pos-systems/revel-pos/) [ Shopify POS ](https://www.selecthub.com/p/pos-software/shopify-pos/) ### Compare other software products using the SelectHub platform Select a Category 360 Degree Feedback Software 3D Design Software 3PL Software ABA Software Account-Based Marketing Software Accounting Practice Management Software Accounting Software Accounts Payable Software Accounts Receivable Software Agile Project Management Software AI Agent Builders AI Agent Frameworks AI Agent Orchestration Platforms AI Agents AI Assistants AI Chatbots AI Customer Service Agents AI Integration Solutions AI Marketing Agents AI Sales Agents AI Sales Assistant Software AI Video Generators AI Voice Agents AI Voice Assistants AI Workflow Automation Tools AI Writing Assistants Animation Software Antivirus Software Apparel ERP Software Applicant Tracking Systems Appointment Scheduling Software 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Clover](https://www.selecthub.com/pos-software/clover-vs-sumup/) ![SumUp Software Tool]() ![Erply Software Tool]() [SumUp VS Erply](https://www.selecthub.com/pos-software/sumup-vs-erply/) ![SumUp Software Tool]() ![KORONA POS Software Tool]() [SumUp VS KORONA POS](https://www.selecthub.com/pos-software/sumup-vs-korona-pos/) ![SumUp Software Tool]() ![Lightspeed Software Tool]() [SumUp VS Lightspeed](https://www.selecthub.com/pos-software/lightspeed-vs-sumup/) ![SumUp Software Tool]() ![Lightspeed Retail Software Tool]() [SumUp VS Lightspeed Retail](https://www.selecthub.com/retail-pos-systems/lightspeed-retail-vs-sumup/) ![SumUp Software Tool]() ![MICROS Software Tool]() [SumUp VS MICROS](https://www.selecthub.com/pos-software/sumup-vs-micros/) ![SumUp Software Tool]() ![Rain POS Software Tool]() [SumUp VS Rain POS](https://www.selecthub.com/pos-software/sumup-vs-rain-pos/) ![SumUp Software Tool]() ![Shopify POS Software Tool]() [SumUp VS Shopify POS](https://www.selecthub.com/pos-software/shopify-pos-vs-sumup/) ![SumUp Software Tool]() ![SpotOn Software Tool]() [SumUp VS SpotOn](https://www.selecthub.com/pos-software/spoton-vs-sumup/) ![SumUp Software Tool]() ![Square POS Software Tool]() [SumUp VS Square POS](https://www.selecthub.com/pos-software/square-pos-vs-sumup/) ![SumUp Software Tool]() ![Toast Software Tool]() [SumUp VS Toast](https://www.selecthub.com/pos-software/toast-vs-sumup/) **Need expert advice?** Let us know, we're here to help you [GET ADVICE NOW](https://pmo.selecthub.com/guided-services/?category=POS Software) **About SelectHub (and our data)** We’re the employee-owned Austin-based startup democratizing software data so you can make your decisions in an influence-free zone. Our market data is crowdsourced from our user-base of 100,000+ companies. WE DISTILL IT INTO REAL REQUIREMENTS, COMPARISON REPORTS, PRICE GUIDES and more... ![SelectHub Products Reporting and Analytics]() [ Build Your Requirements](https://pmo.selecthub.com/pos-software-requirements-onsite/) ![SelectHub Products Cost and Pricing Guide]() [ Get Your Free Comparison Report](https://pmo.selecthub.com/request-custom-scorecard/?category=POS%20Software) **Tier 1:** Fully/moderately supported out-of-the-box allowing for quick and easy deployment. Fully or moderately supported out-of-the-box with industry-leading capabilities and is immediately available after installation without needing any add-ons, integrations, or custom development. **Tier 2:** Supported with workarounds or add-ons that may require additional costs. Not directly available in the software, but can be accomplished using other built-in features, workarounds, or add-ons/products from the vendor with or without any additional cost. **Tier 3:** Requires partner integrations or custom development that is often at an additional cost. Requires additional integrations, plugins, marketplace applications from a third-party vendor, or custom development using the APIs, libraries, extensions, and development framework supported by the software, with or without any additional cost. 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