{"id":450463,"date":"2022-07-07T16:49:17","date_gmt":"2022-07-07T15:49:17","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=450463"},"modified":"2026-11-03T16:51:38","modified_gmt":"2026-11-03T16:51:38","slug":"sumup-vs-paypal","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/card-readers\/sumup-vs-paypal","title":{"rendered":"PayPal POS vs SumUp \u2013 compare card readers"},"content":{"rendered":"

SumUp and Paypal Point of Sale (formerly known as Zettle) both launched with the same intention of offering cheaper and more accessible card payment options for SMEs, but that is essentially where their similarities lie. We compare what their best products have to offer.<\/p>

SumUp vs PayPal Point of Sale: Provider overview<\/h3>

SumUp aims to offer simple and quick payments for its customers and with 3 very different products, it is ticking a lot of boxes. While PayPal Point of Sale currently has 2 products on the market, 1 offering quick card and contactless payments for in-store and on-the-go sales and the other a payment terminal aimed at larger merchants.<\/p>

\"SumUp
<\/figure>
\n \n
Products<\/th>SumUp Solo Lite, SumUp Solo, SumUp Terminal, SumUp Tap to Pay<\/td><\/tr>
Payment methods<\/th>Contactless, Chip and Pin<\/td><\/tr>
Alternative payment methods<\/th>QR code,Payment link<\/td><\/tr>
Apple Pay<\/th>Yes<\/td><\/tr>
Google Pay<\/th>Yes<\/td><\/tr>
Connectivity<\/th>Bluetooth<\/td><\/tr>
Requires connection to a phone or tablet<\/th>Yes<\/td><\/tr>
Battery life<\/th>1000 sales on a full charge<\/td><\/tr>
Warranty period<\/th>12<\/td><\/tr>\n <\/tbody>\n <\/table><\/div><\/div>
\"PayPal
<\/figure>
\n \n
Products<\/th>PayPal Card Reader, PayPal Terminal, PayPal POS<\/td><\/tr>
Payment methods<\/th>Contactless, Chip and Pin<\/td><\/tr>
Alternative payment methods<\/th>QR code,Payment link<\/td><\/tr>
Apple Pay<\/th>Yes<\/td><\/tr>
Google Pay<\/th>Yes<\/td><\/tr>
Connectivity<\/th>Bluetooth,WiFi<\/td><\/tr>
Requires connection to a phone or tablet<\/th>Yes<\/td><\/tr>
Battery life<\/th>100 sales<\/td><\/tr>
Warranty period<\/th>12 months<\/td><\/tr>\n <\/tbody>\n <\/table><\/div><\/div><\/div>

The SumUp Solo Lite vs the PayPal Reader: Product overview<\/h3>

Although both card reader providers offer other machines, the SumUp Solo Lite and the PayPal Reader continue to be the \u201cgo-to\u201d products in their range.<\/p>

\"SumUp
<\/figure>

SumUp Solo Lite<\/em><\/p><\/div>

\"PayPal
<\/figure>

PayPal Reader<\/em><\/p><\/div><\/div>

Compare rates and fees<\/h4>

When comparing card readers, rates and fees are some of the most important factors in deciding what machine will work best for your business. Use our guide<\/a> for further explanations of the different charges you might come across in your research.<\/p>

SumUp is known for having some of the cheapest rates on the market and when compared to the PayPal\u2019s 1.75% transaction fee, the SumUp product is a clear win. However, transaction costs are not the only rate you will need to be wary of. SumUp charges a fee of \u00a310 per chargeback, compared to the free cover for chargebacks under \u00a3250 a month PayPal charges. Compare the full rates below. <\/p>

\n \n
Product<\/th>\"SumUp<\/a><\/td>\"PayPal<\/a><\/td><\/tr>
Product Name<\/th>SumUp Solo Lite<\/td>PayPal Card Reader<\/td><\/tr>
Contract<\/th>No contract<\/td>No contract<\/td><\/tr>
Initial cost<\/th>\u00a325<\/td>\u00a349<\/td><\/tr>
Monthly cost<\/th>\u00a30<\/td>\u00a30<\/td><\/tr>
Transaction cost<\/th>1.69%<\/td>1.75%<\/td><\/tr>
Transaction cost (card not present)<\/th>2.5%<\/td>2.5%<\/td><\/tr>
Settlement <\/th>1-3 working days<\/td>1-2 working days<\/td><\/tr>
Money-back guarantee<\/th>Yes<\/td>No<\/td><\/tr>
Money-back guarantee details<\/th>30-day money-back guarantee<\/td><\/td><\/tr>
Chargeback cost<\/th>\u00a310<\/td>\u00a30<\/td><\/tr>\n <\/tbody>\n <\/table><\/div>

Compare features<\/h4>

Each of SumUp and PayPal\u2019s card readers have unique features for the different machines they offer. The SumUp Solo Liote and the PayPal Reader are both of these providers\u2019 on-the-go machines, perfect for smaller merchants or those looking for a mobile payment device.<\/p>

When comparing features of card readers, you will need to search for those little nuggets of gold that will make for a positive experience for your business\u2019s needs. This can be battery life, connectivity or even what type of cards the machine accepts. <\/p>

If you would like to learn about all the different features you should look out for when comparing card readers, you can use our helpful guide<\/a>.<\/p>

At a glance, although both of these machines come with options to add a cradle (or docking station) to help with battery life, on 1 full battery the SumUp Solo Lite does outcompete the PayPal Reader. However, if battery life isn\u2019t your buying point and you\u2019re looking for a machine that offers multiple connectivity options, the PayPal Reader is the clear winner. <\/p>

Compare the features of both card readers below.<\/p>

\n \n
Product<\/th>\"SumUp<\/a><\/td>\"PayPal<\/a><\/td><\/tr>
Product Name<\/th>SumUp Solo Lite<\/td>PayPal Card Reader<\/td><\/tr>
Networks<\/th>\"google\"apple\"american\"visa\"mastercard<\/td>\"google\"apple\"american\"visa\"mastercard<\/td><\/tr>
Connectivity<\/th>Bluetooth<\/td>Bluetooth, WiFi<\/td><\/tr>
Payment methods<\/th>Contactless, Chip and Pin<\/td>Contactless, Chip and Pin<\/td><\/tr>
Alternative payment methods<\/th>QR code, Payment link<\/td>QR code, Payment link<\/td><\/tr>
Requires connection to phone or tablet<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Battery life<\/th>1000 sales on a full charge<\/td>100 sales<\/td><\/tr>
Printer attached<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Add ons<\/th><\/use><\/svg><\/td>