SumUp vs EPOS Direct – A UK Business Comparison

Short answer: SumUp is popular for very small businesses with its simple card reader, but has limitations as businesses grow. EPOS Direct offers a full EPOS system with more features, better payment flexibility, and scalability for growing businesses.

This comparison is provided as a general buyer guide for UK businesses. Features and pricing may vary. Last updated February 2026.

Key Takeaways

Quick Answer

SumUp is popular for very small businesses with its simple card reader, but has limitations as businesses grow. EPOS Direct offers a full EPOS system with more features, better payment flexibility, and scalability for growing businesses.

SumUp and EPOS Direct serve different market segments. SumUp's simplicity appeals to micro-businesses, while EPOS Direct provides comprehensive EPOS functionality for businesses ready to scale. Understanding these differences helps you choose the right solution.

SumUp vs EPOS Direct Feature Comparison

Feature SumUp EPOS Direct
Best for Micro-businesses Growing businesses
Hardware Basic card reader Full EPOS system
Stock management Limited Comprehensive
Reporting Basic Detailed analytics
Payment provider SumUp only Any UK provider
Transaction rates Fixed (often higher) Negotiable rates
Multi-site Limited Full support

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When to Upgrade from SumUp

Frequently Asked Questions

Is SumUp's 1.69% rate competitive?

For low volumes, it's simple. However, as turnover grows, businesses often find negotiated rates through providers like Dojo or Global Payments significantly cheaper.

Can I use SumUp with EPOS Direct?

EPOS Direct integrates with many payment providers. If you prefer SumUp's rates for your volume, integration is possible.

What's the difference in total cost?

SumUp appears cheap initially but fixed rates and limited features can cost more as you grow. EPOS Direct's £49/month includes more functionality with better rate flexibility.

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Related Guides

About EPOS Direct: EPOS Direct is a UK-based EPOS provider offering flexible software, multi-site reporting, and integration with all major UK payment providers including Dojo, Global Payments, and Teya. No long-term contracts required.