POS Data estimated - verify with vendor Verified - April 2026

SumUp POS

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

Last verified: 21 Apr 2026 Methodology

Free tier available

EUR pricing guaranteed

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Irish Compliance Assessment

Verified pass Partial · caveats Not supported
-

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.

verified 2026-04-21 · scope: not supported
-

PAYE Modernisation

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

verified 2026-04-21 · scope: not a payroll product
-

Irish Bank Feeds

No native AIB / BOI / PTSB feed. Bank reconciliation flows rely on third-party gateways.

verified 2026-04-21 · via third-party gateway
✓

SEPA / Irish IBAN

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

verified 2026-04-21 · native SEPA
-

VAT Handling

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

verified 2026-04-21 · scope: not supported
✓

Irish Support

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

verified 2026-04-21 · Irish hours
GDPR Data Residency EU data centres verified 2026-04-21

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.

Editor's verdict on SumUp POS

stamped 2026-04-21

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 compliance score

SumUp POS Irish compliance score2 of 6 pass
CRO active
Revenue integration
PAYE Modernisation
Irish bank feeds
GDPR (EU residency)
Irish support
SumUp POS Irish compliance score
CriterionStatusNote
CRO activeNot met
Revenue integrationNot met
PAYE ModernisationNot met
Irish bank feedsNot met
GDPR (EU residency)Pass
Irish supportPass

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

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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.

verified 2026-04-21Read 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.

verified 2026-04-21Read full comparison →
SumUp POSvsResDiary
Open →
SumUp POSFree
ResDiary€99/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 2026-04-21Read 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 2026-04-21Read 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.

verified 2026-04-21Read full comparison →

Verification Notes

Verified 2026-04-21 against sumup.com/en-ie/pos: transaction fee 1.69% confirmed. Free entry tier confirmed. POS Pro exists as a paid tier but pricing is not published on the IE site - only available via sales demo. SumUp Limited (trading as SumUp) is regulated by the Central Bank of Ireland; public support hours cover Irish business hours via live chat, email, and phone (020 3322 4095). No free trial advertised because the free tier is a permanent product.

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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.