Square vs SumUp

Pricing

• Square Free plan:$0/mo(source, checked Oct 24, 2026)
• Square in person:2.6% + 15¢(source, checked Oct 24, 2026)
• Square online card or invoice:3.3% + 30¢(source, checked Oct 24, 2026)
• Square keyed in:3.5% + 15¢(source, checked Oct 24, 2026)
• Square EBT (SNAP items, in person):1.8% + 5¢(source, checked Oct 24, 2026)
• SumUp Free plan:$0/mo(source, checked Oct 24, 2026)
• SumUp in person:2.6% + 10¢(source, checked Oct 24, 2026)
• SumUp online or manual entry:3.5% + 15¢(source, checked Oct 24, 2026)
• SumUp POS Plus:$49/mo(source, checked Oct 24, 2026)

Side by side

Which to pick

• If you need the cheapest in-person swipe: SumUp

  The same percentage as Square’s free plan, with a lower fixed fee on every sale (rates above).

• If you need large online orders: Square

  Square’s online rate has the lower percentage and the higher fixed fee, so it wins on bigger sales and SumUp wins on small ones.

• If you need to process EBT yourself: Square

  Its fee page lists in-person EBT processing for SNAP items (rate above). You need USDA FNS retailer authorization first.

• If you need preorders sold by weight: Neither

  Neither has catch-weight preorders, so a preorder charged up front and weighed later means a partial refund. Stall Ledger charges the actual packed weight, never more than the customer’s limit.