- Invoice Creation: Allow businesses to quickly create professional invoices that include all necessary details.
- Customizable Templates: Offer invoice templates that can be personalized with business branding, such as a logo and colors.
- Online Payments: Enable customers to pay invoices securely through multiple online payment options.
- Recurring Invoices: Support automated recurring invoices for regular clients to save time and ensure timely billing.
- Multi-language Support: Provide invoices in various languages to accommodate international customers.
- Automatic Payment Reminders: Send reminders to clients when payments are due, which helps improve cash flow.
- Analytics and Tracking: Track payment status and provides insights into invoice performance and customer activity.
- Quote and Credit Note Management: Let users create quotes for approval and issue credit notes when needed.
- Bank Transfer Flexibility: Allow funds to be transferred to a SumUp Business Account or other bank accounts (depending on plan).
- Secure Data Handling: Protect sensitive business and customer information with robust security measures.
SumUp
SumUp helps businesses create, send, and manage invoices for faster payments.
Updated February 27, 2026
SumUp Overview
SumUp is a user-friendly business invoicing software designed to help small and medium-sized businesses create, send, and track invoices with ease. It streamlines the payment process by offering secure online payment options, customizable invoice templates, and clear transaction tracking.
With its straightforward interface and integrated payment solutions, SumUp enables businesses to manage their billing efficiently and maintain a professional image.
Key Features
Pricing
| Plan Name | Price | Key Inclusions |
|---|---|---|
| Free | £ 0 per month1 | • Unlimited invoices & quotes• Standard invoice template• 2.50% fee on online invoice payments• Basic invoicing essentials (recurring invoices, credit notes, quotes, delivery notes, business logo, customer/item management, notifications, analytics, automatic reminders)• 1 invoice language, bank transfers only to SumUp Business Account |
| Pro | £ 7 per month (yearly plan, excluding VAT)1 | • Unlimited invoices & quotes• Full invoice customization (fonts, colours)• 50% lower transaction fees: 1.25% on online payments• Accept bank transfers to any bank account• 14 invoice languages• All Free-plan features plus recurring invoices, credit notes, quotes, delivery/delivery notes, business logo, customer/item management, analytics, notifications, automatic reminders |
Pricing link: https://www.sumup.com/en-gb/invoices/pricing/
Pros
| Competitor | Pros of SumUp |
|---|---|
| Zoho Invoice / Zoho Books | SumUp is simpler to use and has no monthly fee for invoicing. It suits businesses that just need quick invoice creation and payment tracking, and it avoids the complexity of Zoho’s broader accounting ecosystem. |
| Square Point of Sale | SumUp focuses on streamlined invoicing rather than full POS systems. It works well for businesses that want invoice tools without added retail or inventory features. |
| Invoice2go | SumUp offers both mobile and web invoicing with instant online payment options. It gives a more seamless payment flow and clearer tracking than Invoice2go. |
| Hiveage | SumUp brings hardware payments and card terminal support alongside invoicing. It offers an all-in-one experience that Hiveage, as a pure SaaS tool, can’t provide. |
| Invoicera | SumUp delivers modern templates and a user-friendly interface that feels more polished. It also includes built‑in online payment support without needing configuration with multiple gateways. |
Cons
| Competitor | Cons of SumUp |
|---|---|
| Zoho Invoice / Zoho Books | SumUp lacks advanced accounting features like expense tracking, inventory management, and customizable workflows that Zoho offers. SumUp doesn’t scale as well for growing companies needing broad financial tools. |
| Square Point of Sale | SumUp lacks POS and in‑store retail capabilities, such as comprehensive hardware, inventory support, and omnichannel synchronization that Square provides. |
| Invoice2go | SumUp offers fewer tiered subscription options, so it lacks the flexibility of Invoice2go’s Lite, Standard, Advanced, and Unlimited plans tailored to invoicing volume. |
| Hiveage | SumUp doesn’t offer time‑tracking, mileage logging, or multiple‑business management features that Hiveage provides, which can be valuable for freelancers or teams. |
| Invoicera | SumUp doesn’t support project-based billing or late‑fee automation the way Invoicera does, so businesses needing that level of billing sophistication may find it limiting. |
Reviews
- Reddit r/smallbusiness: One small business owner called switching to SumUp “one of my biggest mistakes,” criticizing inaccurate sales reports that “made no sense” and never got fixed despite tech support promising a custom report. Another complained about being locked into a 12‑month contract after a promised booking site never materialized, and said the “5 star program” forces customers to download an app with texts that look “pretty scammy.”
- Trustpilot Review (Rating: 4.1/5): Several merchants praised easy cash advances that repay automatically as a percentage of each transaction and described the system as reliable for years, even “getting ready for making tax digital two.” Others reported serious issues, including a payment retracted after six months without notice and customer service they called “beyond shocking,” though they admitted the system itself is easy to use.
- nerdwallet.com Review: The write‑up highlights SumUp’s low processing rates such as 2.6% plus 10 cents for in‑person payments and card readers that accept “swiped, dipped or tapped” cards at a lower price than competitors. It also notes free POS plans for card readers and automated marketing tools in the Connect Plus and Connect Pro plans, while pointing out that POS systems require long‑term contracts.
- wise.com Review: Trustpilot feedback referenced here points to a “user-friendly app,” reasonable fees, fast transfers and transparent reports, but also mentions poor customer service and limited support when problems arise. The review outlines perks like one free domestic wire transfer per month and six free ATM withdrawals, yet flags drawbacks such as no international wire transfers, no cash deposits and iOS-only availability for the business account.
- Forbes Review: The summary emphasizes transparent pricing for the mobile POS and says SumUp keeps the product easy to use, positioning straightforward costs as one of its biggest advantages.
