Best SumUp Alternatives (2026): 10+ options compared
The table lists tools that share a category with SumUp, picked from the highest scoring and listed closest matches first: most shared categories, then the most of SumUp's features in those categories, then the most audiences both suit, then our score. Each score is for the category that alternative shares with SumUp. The tools ranked just above and below SumUp in Finance Software are listed further down. Costs are estimates for monthly billing based on each tool's listed plans. Our methodology
| # | Tool | Score | Free tier | Starting price | Est. monthly cost | Links |
|---|---|---|---|---|---|---|
| 5.6/10in Finance Software | Yes | £19/mo | FreeFree (Business Account, Invoices and pay-as-you-go payments) | ||
| 1 |  Cloud accounting software from Zoho for small and growing businesses, covering invoicing, bank reconciliation, bills, inventory and financial reporting.
| 7/10in Finance Software | Yes | $20/mo | $70/moPremium | |
| 2 |  French invoicing, pre-accounting and business banking app for freelancers and small companies, with a shared workspace for their chartered accountant.
| 6.4/10in Finance Software | Yes | €9.99/mo | FreeFree | |
| 3 |  Tide is a UK app-based business current account for sole traders and small firms, with optional built-in invoicing, accounting, VAT filing and payroll.
| 6.4/10in Finance Software | Yes | £12.49/mo | FreeLite | |
| 4 |  French accounting, invoicing, cash management and business account platform for freelancers, small businesses, SMEs and the accounting firms that serve them.
| 6.4/10in Finance Software | No | €7/mo | Contact for pricing | |
| 5 |  Cloud invoicing and bookkeeping software for German freelancers and small businesses, with e-invoicing, bank sync, ELSTER VAT filing and DATEV export.
| 6.4/10in Finance Software | Yes | €11.90/mo | €12/moRechnung | |
| 6 |  Danish online accounting program from Visma for sole traders, freelancers and small companies, covering bookkeeping, invoicing, VAT reporting and bank reconciliation.
| 6.4/10in Finance Software | Yes | DKK 297/mo | FreeStarter | |
| 7 |  FreeAgent is UK cloud accounting software for sole traders, limited companies, partnerships, and landlords. It covers invoicing, banking, payroll, and Making Tax Digital filing.
| 6.4/10in Finance Software | No | £10/mo | £10/moLandlord | |
| 8 |  Dutch online bookkeeping and invoicing software for freelancers and small businesses, with bank feeds, VAT filing, Peppol e-invoicing and an optional business payment account.
| 6.3/10in Finance Software | No | €4/mo | €49/moCompleet | |
| 9 |  Spanish cloud invoicing and simple accounting software for freelancers and small businesses, with VeriFactu, Facturae, TicketBAI and AEAT tax forms built in.
| 6.3/10in Finance Software | Yes | €15/mo | FreeGratis | |
| 10 | Q QuickBooks Online AdvancedQuickBooks Online Advanced is Intuit's top cloud accounting plan. It gives growing small and mid-sized businesses up to 25 users, custom permissions, workflow automation, batch transactions and priority support.
| 6.3/10in Finance Software | No | $340/mo | $340/moAdvanced | |
| 11 |  Source-available invoicing, quoting, payments, expense and time-tracking software for freelancers and small businesses. You can use the hosted cloud service or run it on your own server.
| 6.8/10in Finance Software | Yes | $14/mo | $18/moEnterprise | |
| 12 |  A German cloud tool for bookkeeping, invoicing, receipt capture, VAT filing and optional payroll, made for freelancers and small businesses.
| 6.7/10in Finance Software | No | €7.90/mo | €8/moS | |
| 13 |  A UK digital bank business account with built-in invoicing, bookkeeping, and Making Tax Digital tax tools for sole traders and small limited companies.
| 6.6/10in Finance Software | Yes | £7/mo | FreeBusiness Account + Accounting Essentials | |
| 14 |  Monzo Business is an app-based UK business bank account for sole traders and limited companies. It includes invoicing, Tax Pots, expense cards and accounting software bank feeds.
| 6.5/10in Finance Software | Yes | £9/mo | £25/moTeam | |
| 15 |  Dutch online bookkeeping software that automates booking, VAT returns, invoicing and payroll for freelancers, sole traders and small businesses in the Netherlands.
| 6.5/10in Finance Software | Yes | €21.95/mo | €40/moPlus |
Prices from each vendor's published plans, last updated November 2026. How we collect prices
Free alternatives to SumUp
- Zoho BooksFree for 1 userZoho Books pricing
- TiimeFree plan, no user limit listedTiime pricing
- TideFree plan, no user limit listedTide pricing
- sevdeskFree for 1 usersevdesk pricing
- DineroFree plan, no user limit listedDinero pricing
- FacturaDirectaFree plan, no user limit listedFacturaDirecta pricing
- Invoice NinjaFree for 1 userInvoice Ninja pricing
- StarlingFree plan, no user limit listedStarling pricing
- Monzo BusinessFree plan, no user limit listedMonzo Business pricing
- jorttFree for up to 2 usersjortt pricing
Ranked near SumUp in Finance Software
SumUp is #107 in Finance Software by our score. These are the tools ranked just above and below it. See SumUp in the Finance Software list
| Rank | Tool | Score | Starting price | Cost for 10 users |
|---|---|---|---|---|
| #104 |  | 5.6/10in Finance Software | Contact sales | FreeFree software |
| #105 |  | 5.6/10in Finance Software | €5.99/mo | €100/moPremium |
| #106 |  | 5.6/10in Finance Software | $15/mo | FreeStarter |
| #108 |  | 5.6/10in Finance Software | €24/mo | €24/moAutónomo Go |
| #109 | I Infor LN | 5.6/10in Finance Software | Contact sales | Contact for pricing |
| #110 |  | 5.6/10in Finance Software | $59/mo | $59/moCloud Edition |
SumUp alternatives FAQs
Zoho Books is the closest match to SumUp on our list, with a score of 7/10 on our Finance Software criteria. Where it beats SumUp: higher Analytics score (7/10 vs 3/10).
Yes. The closest matches with a free plan are Zoho Books, Tiime and Tide.
SumUp is the cheapest of the tools listed here priced in GBP for 10 users: free on its Free (Business Account, Invoices and pay-as-you-go payments) plan. The cheapest alternative, Tide, costs the same.
The closest matches that score higher than SumUp are Zoho Books, Tiime and Tide, each in the category it shares with SumUp: Zoho Books 7/10 against 5.6/10 in Finance Software; Tiime 6.4/10 against 5.6/10 in Finance Software; Tide 6.4/10 against 5.6/10 in Finance Software.