SumUp vs Zettle by PayPal
 SumUp |  Zettle by PayPal | |
|---|---|---|
| Rating | ⭐ 4.4 / 5 | ⭐ 4.2 / 5 |
| Category | Point of sale & payments | Point of sale & payments |
| Pricing model | Freemium | Freemium |
| From | Free POS software (EUR 0/month); POS Plus EUR 39/month net; commission 1.75% per transaction, reduced to 0.89% with Plus Payments at EUR 19/month; SumUp terminal from EUR 399 net | POS app included without monthly subscription; 1.75% commission per in-person transaction; PayPal Reader from EUR 29 net (EUR 79 net per additional reader), PayPal Terminal from EUR 199 net, POS kits from EUR 229 net |
| Ease of use | Beginner | Beginner |
| French interface | Yes | Yes |
| API | Yes | Yes |
| Website | Visit → | Visit → |
Our verdict: SumUp
Best for merchants, tradespeople, and small restaurateurs trading in France who want a POS certified under French VAT anti-fraud law (NF525) without a mandatory subscription, and a payment terminal in the same contract. Outside France the certification means nothing to you and SumUp competes on its commission and its hardware alone. Not for you if you manage a restaurant with complex table service or multiple locations: floor management and multi-site control lag well behind specialized restaurant POS systems.
Our verdict: Zettle by PayPal
Best for small shops, markets, food trucks, and tradespeople who want to start taking payments from day one without a subscription, on a EUR 29 net reader; if you trade in France, the LNE certification covers your anti-fraud obligation. Not for you if your volume exceeds a few thousand euros per month: the fixed 1.75% commission eventually costs more than a subscription with reduced commission, and the POS does not manage the floor or kitchen.
We look at what you actually need and tell you which one to set up (or a third that fits better).
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