- 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 July 29, 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 | Price | Key Inclusions |
|---|---|---|
| Free | £0 per month | Unlimited invoices and quotes; standard invoice template; one invoice language; paid in pounds only; bank transfers to a SumUp Business Account only; recurring invoices, credit notes, quotes, delivery notes, business logo, customer and item management, analytics, notifications and automatic payment reminders; 2.5% fee on online invoice payments, nothing on cash or bank transfer |
| Plus | £7 per month, billed annually, excluding VAT | Everything in Free, plus full invoice customisation of fonts, colours and templates; 14 invoice languages; multi-currency invoicing; bank transfers to any bank account; automatic reconciliation with most banks; and priority access to 24/7 support |
Those are the UK plans, and yearly billing saves 12% against paying monthly. The US works differently: there is no subscription at all, sending invoices is free, and SumUp takes 2.9% plus 15 cents only when a customer pays through the online payment link.
Pricing source: https://www.sumup.com/en-gb/invoices/pricing/
Pros
| Competitor | Pros of SumUp |
|---|---|
| Zoho Invoice / Zoho Books | SumUp lets you send unlimited invoices and quotes on a plan that costs nothing, with recurring invoices, credit notes, delivery notes, automatic reminders and analytics already switched on. You are billing within minutes instead of configuring an accounting suite you did not ask for. |
| Square Point of Sale | SumUp keeps invoicing as its own product rather than a module hanging off a till system, so a consultancy or a trades business gets the billing tools without the retail and inventory layer. |
| Invoice2go | Every SumUp invoice can carry an online payment link, and invoice status runs from sent to viewed to paid with a push notification when the money lands. Payments reconcile against the bank automatically, on the SumUp Business Account for free users and across most banks on Plus. |
| Hiveage | SumUp sits behind the card terminal as well as the invoice, so takings from a reader and payments against an invoice land in the same account. Hiveage is a pure SaaS biller and stops at the invoice. |
| Invoicera | Online payment acceptance is built in rather than assembled from gateway plugins, and the Plus plan adds full control of fonts, colours and templates plus 14 invoice languages for cross-border clients. |
Cons
| Competitor | Cons of SumUp |
|---|---|
| Zoho Invoice / Zoho Books | SumUp Invoices stops at invoicing. There is no expense tracking, no inventory and no customisable accounting workflow, and the free plan cannot even invoice in a second currency or a second language. Zoho covers all of that and keeps scaling as the company grows. |
| Square Point of Sale | SumUp’s invoicing product has no retail layer behind it, so inventory, omnichannel stock sync and the wider hardware range that Square offers are simply absent. |
| Invoice2go | SumUp gives you two choices, Free and Plus. Invoice2go runs Starter, Professional and Premium, with invoice allowances and card fees that step down as you move up, which suits a business that wants to match the plan to its invoice volume. |
| Hiveage | SumUp has no time tracking, no mileage logging and no way to run several businesses from one login. Hiveage includes all three, which matters for freelancers billing by the hour. |
| Invoicera | SumUp does not do project-based billing or automated late fees. Invoicera does, so anyone whose billing depends on milestones or penalty terms will hit the ceiling quickly. |
Reviews
- Reddit r/smallbusiness: The thread is about SumUp’s point of sale rather than its invoicing, and it is rough. An owner of five storefronts called switching to SumUp “one of my biggest mistakes,” after a sales report that “made no sense” and a promised custom report that never arrived. Another said he was “stuck on a 12 month subscription contract” after a booking site was promised and not delivered, and that the “5 star program” makes customers download an app through a text that looks “pretty scammy.”
- Trustpilot Review (Rating: 4.1/5 from about 52,000 reviews): Merchants like the cash advances that repay themselves out of daily takings and describe years of reliable service. The negative end is specific: one reviewer had “a payment that was over 6 months old” retracted without notice and called SumUp’s customer service “beyond shocking,” while adding that “the system itself is easy” when nothing goes wrong.
- App Store – SumUp Business (Rating: 3.8/5): The US App Store listing sits at 3.8 out of 5 from around 700 ratings, noticeably below the Trustpilot score, which is worth weighing since the app is where invoices get sent from.
- nerdwallet.com Review: NerdWallet highlights the low processing rates, 2.6% plus 10 cents for in-person payments in the US, and card readers that accept “swiped, dipped or tapped” cards at a lower price than competitors. It also notes the free POS plan for card readers and the automated marketing in the Connect Plus and Connect Pro tiers, while pointing out that POS systems come with long-term contracts.
- Forbes Review: Forbes treats transparent pricing on the mobile POS as SumUp’s main advantage and rates the product easy to use.
