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Point of Sale SoftwareData verifiedVerified August 2026Verified against the vendor's live pricing and compliance pages by the Vendors.ie team on 2026-08-31.

SumUp POS

Simple, low-cost POS with no monthly fees and Irish IBAN payouts

Free tier available
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Irish Compliance Assessment

Verified passPartial · caveatsNot supportedverified 2026-08-31
-

Revenue Integration

No native Revenue Online Service (ROS) connection. Tax submissions must be exported and filed manually, or handled via a paired Irish accounting tool.

scope: not supported
-

PAYE Modernisation

Not a payroll product. Real-time PAYE reporting required since 2019 is out of scope.

scope: not a payroll product
-

Irish Bank Feeds

Supports Irish IBAN payouts via SEPA.

via third-party gateway
✓

SEPA / Irish IBAN

SEPA Direct Debit and Irish IBAN supported natively. SEPA XML export available.

native SEPA
-

VAT Handling

Irish VAT rates are not handled natively. Manual workarounds required.

scope: not supported
✓

Irish Support

Customer support available during Irish business hours. Email, phone, or chat as published by the vendor.

Irish hours
GDPR Data ResidencyEU data centres

Overview

SumUp offers a simple, accessible POS solution with a free app and affordable card readers, charging only transaction fees (approximately 1.69% per transaction). SumUp supports Irish IBAN payouts and SEPA payments, making it straightforward for Irish sole traders and micro-businesses. It includes basic inventory tracking, sales reporting, and digital receipt capabilities. EU data processing is standard for GDPR compliance. SumUp is best suited to very small Irish retail and hospitality businesses with 1 to 5 employees who want to accept card payments with minimal setup cost and no monthly subscription fees.

Irish grants

Grants that could fund SumUp POS

Irish funding schemes whose remit covers the software category SumUp POS sits in. Eligibility depends on your business size, age, and sector, not the software you choose - always check the funder's own page before applying.

See the full Irish business grants directory →orfind grants you qualify for →

Editor's verdict on SumUp POS

stamped 2026-08-31

SumUp is a simple, low-cost card payment and POS solution popular with Irish market traders, pop-up businesses, and micro-businesses that need to accept card payments with minimal setup. The hardware is affordable, fees are transparent, and there's no monthly subscription. For established Irish businesses with higher transaction volumes, Stripe or a traditional merchant account is usually better value. SumUp's strength is simplicity and accessibility for very small operators.

Irish tax & banking compliance

SumUp POS Irish tax & banking compliance2 of 6 pass
CRO active
Revenue integration
PAYE Modernisation
Irish bank feeds
GDPR (EU residency)
Irish support
SumUp POS Irish tax & banking compliance
CriterionStatusNote
CRO activeNot met
Revenue integrationNot met
PAYE ModernisationNot met
Irish bank feedsNot met
GDPR (EU residency)Pass
Irish supportPass

See where SumUp POS ranks across all categories in theIrish Software Readiness Index.

Pros and Cons

Pros

  • No monthly subscription fee
  • Irish IBAN payouts supported
  • Very simple to set up
  • Affordable card readers

Cons

  • Limited advanced POS features
  • No built-in VAT rate management
  • Basic reporting only
  • Not suited to larger businesses

Best For

Company Size

1-5 employees

Sectors

RetailHospitality

Winning public sector business with SumUp POS? Track live Irish tenders.

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Head-to-Head Comparisons

Each card surfaces the single most decisive fact between the two vendors, dated and sourced.

SumUp POSvsLightspeed POS
Open →
SumUp POSFree
Lightspeed POS€69/mo

The price gap drives the decision. SumUp POS wins on price. The other product earns its premium through deeper compliance or a wider feature set.

checked 2026-08-31Read full comparison →
SumUp POSvsPhorest
Open →
SumUp POSFree tier available
PhorestPaid only

Free entry vs paid-only. SumUp POS wins on cost to start. The paid product trades that for a more complete feature set.

checked 2026-08-31Read full comparison →
SumUp POSvsShopify POS
Open →
SumUp POSFree
Shopify POS€32/mo

The price gap drives the decision. SumUp POS wins on price. The other product earns its premium through deeper compliance or a wider feature set.

verified 2026-08-31Read full comparison →
SumUp POSvsSquare POS
Open →
SumUp POSEU only
Square POSEU & US data centres

Data residency is the differentiator. SumUp POS wins on guaranteed EU residency.

checked 2026-08-31Read full comparison →

SumUp POS guides and related reading

pos10 Apr 2026· 6 min read

SumUp POS Review Ireland 2026 - Simple Card Payments for Irish Micro-Businesses

SumUp is a no-monthly-fee card payment and POS for small Irish businesses. Lower transaction rate than Square, EU data hosting, SEPA payouts to Irish IBANs, and a clean compliance posture for CCPC and Revenue. Here is the 2026 review.

pos6 Apr 2026· 7 min read

POS System Ireland 2026 - Best Point of Sale Systems for Irish Businesses

Choosing a POS system for your Irish business? Here's how the main options compare on price, Irish VAT, payment processing, and integration with Irish accounting software.

pos9 Apr 2026· 3 min read

Square POS Review Ireland 2026 - Free POS for Small Irish Businesses

Square POS is free to use - you pay 1.75% per transaction instead of a monthly fee. Irish IBAN payouts and clean hardware make it the top pick for small Irish retailers and cafes starting out.

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Pricing and feature data is indicative and may not reflect current vendor offerings. Always verify details directly with the vendor before purchasing.