SumUp Air

Our Rating:  4.5 /5 

  • Easy to use, pocket size card reader
  • Works with your smartphone or tablet (via Bluetooth)
  • Low-cost device, predictable flat-rate pricing, no fixed montly fees










SumUp 3G 

Our Rating:  4.0 /5 

  • Works everywhere thanks to a mobile internet connection
  • No fixed fees. No extra charges for built-in SIM card
  • No smartphone or tablet needed









Full SumUp Review

All you need to know about one of the biggest mPOS companies in Europe – SumUp. Check out the cost & fees structure, security and, technology behind the card reader and much more…


SumUp Air vs. SumUp 3G

Business has never been easier for young entrepreneurs and small business owners, with so many useful and handy gadgets on the market.

One of these tremendous innovations are mobile card readers from SumUp, proving to be a reliable solution at an affordable price.

Let’s face it…

The world has gone digital and most businesses run on e-commerce, having cash at hand in today’s society has become outmoded. In such times, devices such as SumUp Air or SumUp 3G can make your life easier and more manageable.

With an economical flat rate at 1.69%, both mobile card reader presents you a preset rate without the hassle of additional costs.


The SumUp Air and SumUp 3G may not be different in their outward make but their operation depicts their differences. The table below shows the major differences between the two card readers:


SumUp AirSumUp 3G
Standalone deviceX
Smartphone & app requiredX
Sim card with unlimited dataX
BT Printer
Google Print / Air PrintX
Product management*X
Location on receiptsX
Battery life~500tx~50tx
Magnetic stripeX
Tax feature**X

**(advanced mode)


SumUp Air

For most businesses, the job is as good as done once payments have been made successfully.

That said, transactions get easier when traders are equipped with handy payments gadgets. One of these gadgets is SumUp Air, a mPOS reader that is a tremendous innovation in the business world.

Let’s dive right in…


SumUp Air – Pros & Cons



  • Affordable credit card machine, ideal for low-volume merchants
  • Supports integration with POS systems
  • Connects to external printers / allow to print receipts
  • Reliable battery life – up to 500 transactions



  • SumUp app covers only the basic functionalities. Users needing a feature-rich point of sale (POS) system will most likely struggle with the limitations
  • The phone support is available only on Monday – Friday ( 9am – 6pm) and Saturday (9am – 6pm), which may be problematic for businesses operating mainly over the weekend like bars and restaurants


What is a SumUp card reader?

It’s a compact and low-cost reader that works hand in hand with a mobile app for operation.

It is charged via USB and supports a couple of card-reading modes. It has a chip & PIN reader, a contactless receiver, but no magnetic stripe reader.

The reader is connected to a smartphone or tablet via Bluetooth. Furthermore, the reader can support two Bluetooth speakers and a few more network printers.

What else?

SumUp Air supports a all the major credit and debit cards including:

  • Visa
  • V Pay
  • Visa Electron
  • Maestro
  • Mastercard
  • American Express

Not bad.


SumUp card reader

Mobile card reader SumUp Air


SumUp Air – prominent features

There you have it:

1. Long lasting battery

With a long lasting battery life (up to 500 transactions), SumUp is very easy to carry on tours and travels.

2. Chargeable with Micro USB

It is easily chargeable with the Micro USB cable included in the package. Even while charging, you can use the card machine.

3. Pocket size

It is a great travel gadget with a size of 7cm x 7cm x 2.5cm hence can easily fit into most briefcases or bags and does not increase luggage weight substantially.

It can easily be used whenever required and stored away when not needed.

4. Easy and reliable transactions

It is compatible with most credit and debit cards (Visa, VPay, MasterCard, Maestro or American Express) and can easily be used when making transactions.

Moreover, the card terminal comes without any monthly costs or contracts that could hinder your progress. The payment is guaranteed and reliable.

Bottom Line:

The SumUp Air is a great portable device that business owners can take with them wherever they need to accept payments.

It’s extended battery life and easy-of-use means that virtually anybody can process payments anytime they require.

How to get started with SumUp Air

So, how to setup your SumUp  Air card reader?

In order to receive the card reader, you have to register online, which is fairly simple. The card reader is delivered by post within a week and you can start using it right away.

All the instructions that are required for a setup are available on the box and also when the SumUp application is downloaded.



The set up is relatively simple.

Here’s how…

After downloading the app (which is free for Android and iOS), you connect the device and allow one pound into the app.

After initiating the charge the setup begins by design.

However, if the instructions are vague on the box, then there are online guidelines that can help you set up the device more accurately.



How does SumUp work?

In order to accept cards, you will need a smartphone or tablet.

You need to get the SumUp Air reader activated in Bluetooth mode and then remotely connect the app.

All you need after that is an internet connection or good WiFi and you are good to go.

The wireless SumUp Air connects through the cloud-based server, analyzes, and proceeds with your transactions.


sumup how to use it


SumUp supports various receipt printers that you can use when accepting payments with Air card reader.

The portable printers connect via Bluetooth to your device so you can take them with you wherever you go.

Portable printers supported by SumUp Air:

  • Mobile Bluetooth Printer Bixolon SPP-R200lliK/BEGE
  • Mobile Bluetooth Printer Bixolon SPP-R210iK/BEGE
  • Mobile Bluetooth Printer Star Micronics SM-L200

Is SumUp PCI compliant?
Yes. All payments done with SumUp are fully secured. Company operates under the following card payment industry security standards:

  • PCI-DSS (Payment Card Industry Data Security Standard)
  • SSL (Secure Sockets Layer) and TLS (Transport Layer Security)
  • PGP (Pretty Good Privacy)

SumUp App

The SumUp app is available to download for free for either the Android or iOS platforms and take very little time or effort to set up.


Keep in mind, that SumUp app will only work on the devices with:

  • Bluetooth 4.0 to connect wirelessly with the reader
  • Apple/iOS devices: operating system iOS 7.0 or higher
  • Android devices: operating system Android 4.4 or higher

Using the app is very intuitive. Whether this is your first time using a mobile card reader or you’ve dabbled in them all you should be able to find your way about fairly easily, at least for the basic functions.


SumUp App
Cost of the mobile appFree
Smartphone/tablet operating systemAndroid & iOS
App StoreDownload SumUp App
Google PlayDownload SumUp App


Once you have downloaded the app and created your account, you can begin to add your “new products” into the store.

Adding a new product is simple, as a screen opens where you can upload a picture, add a product name, description and set the tax rate for each item.

You can also add a variety of versions for each product, such as the size, color or any other identifying information.

Once you have products in the app, you can create “Shelves”, which are essentially different categories for your products.

This keeps your inventory well organized and is very beneficial if you are working in a busy environment, so that you can easily navigate to find items.


sumup app

SumUp app in UK


Let’s have a look at all the features available in SumUp app:

  • Item Library
  • Item Variants
  • Refunds
  • Tips*
  • Multiple Tax Rates
  • Quick Sale Mode
  • No Signature For Transactions < £25
  • Cash Recording
  • Email And SMS Receipts
  • Basic analytics

*You’ll have to contact SumUp to enable this feature

With SumUp Air you can also print, email or text the receipts to the purchaser after each transaction.

Very cool.

After the transaction is completed, the receipt option will pop up and you can select the method of your choice.

Although, the list of features in SumUp app is long, there are some key functionalities that seem to be missing.  Here are some examples:

  • Bulk product import/export
  • Invoicing
  • Discounts
  • Inventory counts

To be clear:

There are some downsides, but overall SumUp’s app is an efficient tool for accepting card payments.

Bottom Line:

SumUp offers vendors a wide variety of services to help them sell their products, manage inventory and view past transactions.

By making it so simple to add and organize products, businesses can have their entire product line uploaded into SumUp and ready for sale within a day

SumUp 3G

New SumUp 3G card reader is crafted for merchants who prefer a standalone device for accepting contactless and card payments.

How’s that?

It does not require a mobile phone or tablet, as it utilises the unlimited data included in the device to establish a network connection to process payments.

This make 3G to be a perfect solution for merchants who don’t need complex POS functionalities, but instead prefer fast and easy to use portable device.

The upfront cost of getting 3G card machine is £99 + VAT. As with SumUp Air, the transaction fee is 1.69%  and there are no other ongoing costs or fixed monthly fees.

But wait – there’s more…


sumup 3g features

SumUp 3G – key information:

  • Costs: £99 for the card reader (free delivery) + 1.69% transaction fee
  • Connects automatically to the 3G network via the built-in SIM card
  • No data costs. No WiFi nor smartphone needed
  • Supports both contact (chip and PIN) and contactless payments
  • Only supports text and email receipts; printing a paper receipt is unfortunately not possible
  • Battery life can support up to 50 transactions

SumUp 3G Review – Summary:

SumUp 3G is an easy to use, standalone card reader, extremely useful for merchants accepting transactions on the go.

Flat transaction fee, and no monthly fees make it perfect for small businesses with low sales volume. The downside: low battery life.

 SumUp 3G – Pros & Cons



  • Standalone device – no mobile phone / tablet required
  • No data costs. No WiFi nor smartphone needed
  • No fixed costs or monthly fees



  • Limited features
  • Cannot print paper receipts
  • Doesn’t support integration with POS systems


SumUp 3G – how to get started

Let’s jump right in…

To start accepting card payments using SumUp 3G , you must first set it up. Luckily, the process seems to be quick and easy.

How do I set up SumUp 3G?

Complete your SumUp account registration. This involves logging in to the SumUp website and registering your SumUp account. This is necessary for you to start receiving payments.

Turn on the card reader (by pressing the power button) and select your preferred language for your device.

Establish a cellular network connection and enter the email and password for your SumUp account.

Now the reader will take you to a screen where you can enter an amount for the payment (minimum £1.00). Press the green tick to confirm the transaction.

That’s it!  You are ready to receive your first payment.


Accepting Card Payments with SumUp 3G

Here’s all you have to do:

After setting up your SumUp 3G card reader, you can begin accepting card payments.

To do so, just follow the instructions below:

1. Make sure the reader is turned ON and that you have logged in with your account credentials.

2. Enter the payment amount and press the green button. The customer can pay by:
– tapping their cards (NFC-enabled) on the reader’s screen
– inserting their cards at the bottom of the card reader for the chip to read
– swiping a magstripe card at the bottom of the card reader

3. Whenever prompted, the customer should enter their PIN or sign the screen before pressing the green tick or button.

Then you will see the notification “Send Receipt”. You can select a receipt option “SMS receipt”, “Email receipt” or “No receipt”. Depending on the preference, request the customer to enter their mobile number or email address.

And you’re set.

Does SumUp need WiFi?
No. If you don’t have access to WiFi, you can process transactions with SumUp using data coverage (minimum 3G speed) from your smartphone.

Technology and Hardware

The SumUp 3G card reader depicts several physical and technological differences from its predecessor SumUp Air. For example, it gives you the option of receiving the latest device updates on your device to maintain its efficiency.

In addition to that, SumUp 3G accepts all major debit/credit cards like Visa, V Pay, Mastercard, Maestro and American Express as well as Apple Pay and Google Pay.

Sounds good, right?

Let’s dig a little deeper. Main tech and hardware properties of this card reader are summarized in the table below. Take a look:


Physical Dimensions133 x 71 x 17 mm (Small size)
Cellular connectionGPRS, EDGE and 3G
DataUnlimited data with preinstalled SumUp SIM card
AccessoriesUSB type C used for charging
Card technologyChip (EMV), Contactless (NFC)

SumUp costs & fees

How much does SumUp charge per transaction?

Both devices offers a very fluid and see through transaction process with a rate of 1.69% on all payments, which is currently the lowest on the market in UK.

An additional £29  (SumUp Air) or £99 (SumUp 3G) has to be paid for the mobile card reader as one time fee. Like its competitors iZettle and Square, SumUp do not have any ongoing or monthly fees.

On top of that, delivery of the card reader is free, with 30-day money-back guarantee if you decide to return the device. You receive one year warranty if you decide to keep the reader.

All in all, main things to consider are:

SumUp Air – mobile card reader    £29 
SumUp 3G – standalone card reader    £99
Transaction fee     1,69%
Fixed monthly costs     £0
Minimum revenue requirement     £0

Can SumUp take phone payments?

Yes. You’ll be glad to know that SumUp offers also the option to take phone payments (without a mandatory monthly charge). However, you’ll need to contact first the customer support to enable this feature.

Payments using virtual terminal are charged at 2.95% + 25p.


SumUp Dashboard – accepting virtual payments


How long do SumUp payments take?

SumUp delivers the funds to your bank account in 2-3 business days. This is pretty standard timeframe for any kind of card processing company.

Payouts to your bank account     2-3 days
Delivery     Free
iOS / Android app     Free
Dashboard and reporting     Free
Telephone & email support     Free

How do you get a refund from SumUp?

You can issue full refunds on transactions made with both card readers in your dashboard at

If the refund was requested right after the transaction took place, there will be no charge for that. However, if payments already arrived to your bank account, SumUp will charge £10 admin fee for the refund transaction.

And one more thing:

In compliance with the company’s cash reserve policy, some portions of payments can be withheld to prevent fraudulent activity. This policy is not a major cause of concern and the upside is that there is absolutely no termination fee and no PCI compliance fee.

Bottom Line: SumUp makes payment processing affordable for businesses of any size, with a low initial investment and a per-transaction-fee that is much lower than standard credit card companies.

SumUp customer service

Often customers have a lot of questions that need answering and a good customer service is one that gives a timely and comprehensive response.

In general, SumUp has a reliable customer service which interacts with merchants to ward off difficulties and provide useful information.

But how?

SumUp offers customer support via email, an online help center, and live chat, which appears to have caused problems for some merchants.

Unlike its main competitors, though, SumUp maintains a direct customer support phone number during business hours.


SumUp Support
Phone number020 3510 0160
Help Center OnlineYes
AvailabilityMonday-Friday: 8 AM – 7 PM 
Saturday: 8 AM – 5 PM


Despite some cases of customers not being given a timely response in early 2013, the release of  SumUp Air reader has solved these issues and the SumUp app has really improved its customer support.

The result?

In the last few years, their online customer support has received less complaints, than in previous years. There is also no available evidence of the company being a sham, and the only issues cited by customers are of the intricate protocols imposed by Visa card in Europe.


sumup support

SumUp Online Help Center

Some customers also complain of the sluggish delivery of funds, however, no customer complained about payments not being received or fraudulent activity.

The instances were isolated and in general, customers online are thoroughly happy with the service.

How do I delete my SumUp account?
If you no longer want to use the service, you can easily cancel it by contacting the SumUp customer support via phone or email.

Who will benefit the most from SumUp card readers?

While all businesses can benefit from SumUp card machine to some degree, it is the lone vendors and small businesses that derive the most benefits.

Both SumUp card readers will be a perfect solution for small businesses and solo traders requiring a portable, easy to use card card processing device. However, for large-scale businesses it might not be the best option.

Another group that can make use of this commodity is travelers or businessmen on the go who require fast money taken anytime and anywhere.

What’s the catch?

Apparently, not all the businesses can be supported by SumUp. High-risk companies offering e.g. adult entertainment, door-to-door sales, cosmetic surgeries will need to seek special approval before using the SumUp card reader.

Does SumUp work abroad?

Yes, SumUp offers their service in 31 countries on three continents.

It is actually possible to temporarily set up your account to process in one of these other countries, which is ideal for businesses that travel to trade shows and other events.

It’s simple.

Once you contact the support center, they’ll enable you to process payments in the other countries where SumUp operates. At the moment that includes:

  • Austria
  • Belgium
  • Brazil
  • Chile
  • Cyprus
  • Czech Republic
  • Denmark
  • Finland
  • France
  • Germany
  • Greece
  • Hungary
  • Ireland
  • Italy
  • Latvia
  • Lithuania
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Switzerland
  • United Kingdom
  • United States

Quite impresive, right?

This is something that definitely sets SumUp apart from its main competitors. And that could actually be a dealbreaker.


Summary & final verdict

So, does SumUp live up to our expectations?

Overall, yes.

All things considered, our rating score for SumUp is 4.5 / 5

Despite a few small shortcomings, SumUp credit card machines are a reliable and trustworthy tools to solve the problem of payments in today’s digital world, especially for small companies.

The set up is very easy to follow and the transactions are visible, with no apparent deceit discovered as of yet.

Moreover, SumUp devices are compatible with major credit and debit cards and can be used easily to print out receipts (SumUp Air) as well as keep track of purchases and sales.

Using SumUp card readers is very intuitive. Once you start, the device is seamless to operate.  They work similar to card machines offered by iZettle or MyPOS and you can track your purchases as well as save items for later.

What else?

All the transactions are easily accessible so you can keep track of them and you receive the money directly into your bank account within a 2-3 working days.

The new SumUp 3G card reader presents an even more easy way of accepting payments anywhere, anytime. This card reader is efficient for simple sales, where paper receipts are not necessary.

In short, SumUp 3G card reader is suited for all business owners who desire a standalone device for accepting debit/credit cards, as well as contactless payments without any advanced features.

So it all adds up to this:

With the lowest transaction fee on the market and no monthly costs, both SumUp card readers prove to be convenient for low-volume merchants who just need to start accepting cards.