SumUp
Payment terminal and POS software certified under French VAT anti-fraud law (NF525) for merchants, restaurateurs, and tradespeople, with per-transaction commission and no lock-in
Overview
SumUp combines three components that merchants often buy separately: a payment terminal, POS software, and a business account. The basic POS software is free (EUR 0/month) and covers the product catalog, receipts, daily Z reports, and sales reports. The POS Plus plan at EUR 39/month net adds stock management, detailed reports, and accounting sync. Two bills stay separate here: the software subscription on one side, the commission taken on every card payment on the other. For payments accepted in France, the posted commission is 1.75% per card transaction, reduced to 0.89% with the Plus Payments subscription at EUR 19/month (profitable from around EUR 2,600 in monthly transactions according to the editor), and 0% when the customer pays with a SumUp card. Beyond EUR 10,000 in monthly payments, SumUp offers custom pricing. Hardware is a separate item: the SumUp terminal starts at EUR 399 net and kits with printer and cash drawer range from EUR 549 to EUR 649 net.
SumUp is certified under French VAT anti-fraud law (NF525), the certification a cash register must carry to be used for retail sales in France: the compliance certificate downloads directly from your account settings, meeting the obligation in force since 2018 and the stricter 2025 rules, which require a certificate issued by an accredited body rather than a simple self-declaration by the editor. If you sell in France, that document is what a tax inspector asks for. If you sell elsewhere, it does not concern you, and SumUp is judged on its rates and its hardware alone, the euro prices above being the French ones. A French-language site, app, and support come with the French entity. The developer portal documents a cloud payment API, Android and iOS SDKs, and official extensions for WooCommerce, PrestaShop, Wix, Medusa, and Vendure. The limitations: SumUp remains a general-purpose POS, less sophisticated than dedicated restaurant solutions on floor management, seating plans, or kitchen routing. The editor does not publish an ecosystem of business integrations comparable to Zelty or Popina, and the hardware is proprietary.
Our verdict
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.