Square Invoices vs SumUp Invoices (2026): which should you pick?
As of Nov 13, 2026, Square Invoices grades higher than SumUp Invoices: 2.8 against 2.6 out of 4.0.
Checked Oct 17, 2026 and Nov 13, 2026 · graded Oct 17, 2026 and Nov 13, 2026 by ToolGPA
Square Invoices grades higher on the free plan, ease of use and platforms. SumUp Invoices grades higher on value for money. They get the same grade on features.
Price, platforms and features side by side. The table says where each price was read and when.
Square Invoices
Free invoicing, estimates and contracts inside Square's payment plans
SumUp Invoices
Free invoices and quotes with a low-cost paid upgrade
Which one is for you
Pick Square Invoices if
- Fits if you already take payments in person with Square
- Works for service businesses that want no monthly fee and can live with 3.3% + 30¢ per online card payment
Look elsewhere if
- Too light for keeping the books, as it only sends payments on to QuickBooks Online or Xero
- Pricey if you go for Plus just for lower fees: $49 a month per location pays off only past about $12,000 a month in card payments
- Not for you if you bill clients in other currencies, since it takes one currency only
- Watch out: every payment has a fee, 3.3% + 30¢ on an online card and 1% on a bank transfer, $1 minimum
- Pricey if you need payroll, a separate product from $35 a month plus $6 per person paid
Pick SumUp Invoices if
- Fits if you take card payments with SumUp already
- Works for a UK sole trader who wants unlimited free invoices
Look elsewhere if
- Skip it if you want bank transfers into your own bank for free: that needs Plus
- Tight if you invoice in other currencies or languages, which needs Plus
- Watch out: the Plus price is in pounds, excludes VAT and the page shows only yearly billing
- Watch out: this is the UK listing, and the US page lists no paid plan
- Not for you if you need bookkeeping, since there is no ledger
How we grade them
| 2.8GPASquare InvoicesGood | 2.6GPASumUp InvoicesGood | |
|---|---|---|
| Value for money | DPlus is $49 a location a month, where the dearest tenth of accounting tools starts. For invoicing it mostly buys a lower card fee, 2.9% instead of 3.3%, plus batch invoices and payment schedules. That fee cut only pays for itself past about $12,000 a month in card payments. | AFree for unlimited invoices and quotes, and Plus is £7 a month on yearly billing, which is under the category's cheapest quarter. |
| Free plan and trial | AUnlimited invoices, recurring invoices, deposits, reminders, estimates and contracts cost nothing a month, with no cap. You pay per payment instead: 3.3% + 30¢ on an online card, and 1% on a bank transfer. | BUnlimited invoices and quotes, recurring invoices and reminders at no cost. The catch is that bank transfers go to a SumUp Business Account only, and there is 1 invoice language. |
| Features | CInvoices on any schedule, deposits, auto-pay, estimates, e-signed contracts, a project workspace and cards, Cash App Pay, ACH or Afterpay. It does invoicing fully, but that's the smaller job: it keeps no books and takes one currency only. | CInvoices, quotes, payments, reminders, reconciliation and UK tax reporting. It does invoicing fully, a smaller job than accounting: no ledger. |
| Ease of use | A4.8 from 93,229 App Store ratings, the top band in this category. If you already take payments with Square, invoices sit in the same account. | CNo store rating on record, and you set up your business details and payment methods. |
| Platforms and integrations | BWeb, iPhone and Android, with QuickBooks Online, Xero, Afterpay, Cash App Pay, Apple Pay and Google Pay. There's no desktop app, which keeps it off an A. | CWeb only, with no integrations or phone app on the listing. |
| Best for | free invoicing for businesses already on Square | a free invoicing tool if you already take cards with SumUp |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Square Invoices and SumUp Invoices. How we grade
Price against what you get
Square Invoices starts at $49 a month and scores 3.0 out of 4 on features, ease of use and platforms. SumUp Invoices starts at about $9.38 a month and scores 2.0.
Square Invoices scores higher, and starts $39.62 a month higher: the question is whether the extra is worth that to you. Of the other accounting and invoicing tools on the chart, 3 score higher than Square Invoices for less, and 31 score higher than SumUp Invoices for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- SumUp Invoices also covers templates and quotes and estimates.
At a glance
| Square Invoices | SumUp Invoices | |
|---|---|---|
| Pricing | Free plan | Free plan |
| Starts at | $49 per location / month, billed monthly | £7 per month, billed annually, excluding VAT |
| Free plan | Square Free: unlimited invoices, recurring invoices, deposits, reminders, estimates, contracts and projects. Online card payments cost 3.3% + 30¢. | Unlimited invoices and quotes, standard template, 1 invoice language, bank transfers into a SumUp Business Account only. |
| Free trial | 30-day free trial of Square Plus or Square Premium | 30-day free trial of Plus |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Block, Inc. | SumUp Payments Limited |
| Price read from | squareup.com | sumup.com |
| Checked | Oct 17, 2026 | Nov 13, 2026 |
Worth knowing
Square Invoices
- Invoices come with Square's general plans, which also cover point of sale and bookings; Plus and Premium are charged per location.
- Each payment has a fee: invoice card payments are 3.3% + 30¢ on Free and 2.9% + 30¢ on Plus or Premium, ACH 1% ($1 minimum).
- It does not keep books: Square sends payments to QuickBooks Online or Xero, and it accepts one currency only.
- Square Payroll is a separate product, from $35 a month plus $6 per person paid.
SumUp Invoices
- The listed Plus price is in pounds, excludes VAT and assumes yearly billing; the monthly rate is not shown.
- On the free plan, bank transfers go to a SumUp Business Account only, and only 1 invoice language is offered.
- Multi-currency invoices and bank transfers to any bank account need Plus.
- This is the UK listing; the US page lists no paid plan, so a US buyer may see different terms.
Key features
Square Invoices
- Invoices and recurring billing
- Send unlimited invoices by email, text or link, on daily to yearly schedules, with deposits, automatic reminders and auto-pay from a saved card.
- Ways to pay
- Customers pay by card, Apple Pay, Google Pay, Cash App Pay, ACH bank transfer or Afterpay, online or in person.
- Estimates and contracts
- Send estimates and e-signature contracts built from reusable templates. Plus adds multi-package estimates and automatic conversion to invoices.
- Project workspace
- Keep each job's invoices, estimates, contracts and notes in one place and track what is paid, unpaid or overdue.
- Payment schedules and batch invoices
- Square Plus splits one invoice into milestone payments and sends one invoice to many customers at once.
- Fast access to funds
- Transfers to your bank arrive the next business day for free, or instantly for a fee, or land at once in a Square Checking account.
SumUp Invoices
- Invoices and quotes
- Create unlimited invoices and quotes, convert a quote to an invoice, and issue credit notes and delivery notes.
- Several ways to get paid
- Customers can pay by online card payment, bank transfer, cash, Google Pay or Apple Pay, and invoices can be marked paid by hand.
- Recurring invoices and reminders
- Send invoices at regular intervals and set automatic email reminders for overdue payments. Both are on the free plan.
- Invoice design and languages
- Plus offers full customization of fonts, colors and layouts and invoices in 14 languages, including Dutch, German and Spanish.
- Reconciliation
- Free matches bank transfers to invoices through the SumUp Business Account; Plus does so for most banks.
- Tax reporting for the UK
- The site describes Making Tax Digital ready software that tracks income and expenses and sends updates to HMRC.
Plans
Square Invoices
Square Free$0
Unlimited and recurring invoices, deposits, reminders, estimates, contracts with e-signature and a project workspace. You pay only processing fees.
Square Plus$49
per location / month, billed monthly
Adds batch invoices, milestone payment schedules, custom templates and fields, multi-package estimates, lower online card fees and a $10 ACH fee cap.
Square Premium$149
per location / month, billed monthly
Everything in Plus, with the lowest in-person card fees and 24/7 phone support.
Square ProCustom
For businesses processing over $250,000 a year: custom pricing and processing fees, onboarding help and account management.
SumUp Invoices
Invoices Free£0
Unlimited invoices and quotes, recurring invoices, credit notes and payment reminders; standard template, 1 language.
Invoices Plus£7
per month, billed annually, excluding VAT
Adds invoice design, 14 languages, multi-currency, bank transfers to any bank and priority support.
Ways to pay less
Square Invoices
No public discounts listed.
SumUp Invoices
- Annual discount
Save 12% with yearly billing
SumUp's pricing page shows a 12% saving when Plus is paid yearly instead of monthly.
Common questions
Which is cheaper, Square Invoices or SumUp Invoices?
As of Nov 13, 2026, SumUp Invoices is cheaper to start with: about $9.38 a month, against $49 a month for Square Invoices. Square Invoices starts at $49 per location / month, billed monthly, and SumUp Invoices starts at £7 per month, billed annually, excluding VAT.
Which has a free plan, Square Invoices or SumUp Invoices?
As of Nov 13, 2026, both Square Invoices and SumUp Invoices have a free plan.
Which platforms do Square Invoices and SumUp Invoices run on?
As of Nov 13, 2026, only Square Invoices lists iOS and Android apps. Both list a web app. A platform missing from a listing is one its maker's pages did not mention.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.