SumUp vs Toast: Which POS Software Is Better in 2026?
Compare pricing, features, integrations, verified reviews, AI capabilities, security, and customer satisfaction, side by side, with no marketing spin.
The Short Answer
SumUp vs Toast, in 15 seconds
Choose SumUp if…
- You want to trial before paying
Choose Toast if…
- You want the lower entry price
- You need a genuinely free plan
- You need the broader feature set
Head-to-Head Scorecard
How SumUp and Toast score
Toast leads on 2 of 9 measured dimensions.
- Even
Customer Rating
Average score from verified user reviews
SumUpNo reviewsToastNo reviews - Even
Review Volume
Number of verified reviews, a proxy for adoption
SumUp0Toast0 - Toast
Entry Pricing
Lowest published starting price (free plan = lowest)
SumUpCustomToast$0/mo - Even
Free Access
Availability of a free plan and/or free trial
SumUpFree trialToastFree plan - Even
Integrations
Number of listed third-party integrations
SumUp6Toast6 - Toast
Features
Number of listed product capabilities
SumUp0Toast6 - Even
AI Features
Capabilities mentioning AI, automation or ML
SumUp,Toast, - Even
Security & Compliance
Number of listed compliance certifications
SumUp2Toast2 - Even
Platforms & Deployment
Supported platforms and deployment options
SumUp4Toast4
Feature Comparison
SumUp vs Toast feature breakdown
Search or filter the full feature matrix, core features, AI, integrations, APIs, security and compliance.
SumUp
ToastPricing Comparison
SumUp vs Toast pricing
Entry pricing, plan tiers and the cost factors that shape total cost of ownership.
SumUp
Custom to start- Analytics and reporting
- card readers
- Standard support
- Integrations
- business account
- online store and payment links
- Advanced security and controls
- Everything in Professional
Toast
$0/mo to start- Core POS software
- Cloud-based management
- Payment processing
- Hardware options
- Online ordering & delivery
- Kitchen display systems
- Loyalty & marketing
- Payroll add-ons
Total cost of ownership factors
Beyond list price, factor in implementation, training, add-ons and per-seat scaling when estimating total cost of ownership.
Pros & Cons
SumUp vs Toast: strengths and trade-offs
SumUp
Pros
- Free trial offered
- Compliance: PCI DSS, GDPR
- Public API available
Cons
- No free plan
- Pricing is quote-based (less transparent)
Toast
Pros
- Free plan available
- Compliance: GDPR, PCI DSS
- Public API available
Cons
Buyer Fit
Who should use SumUp vs Toast?
Startups
Toast
Toast keeps early-stage costs lowest with its entry tier.
Small businesses
Toast
Toast offers the most accessible pricing for lean teams.
Agencies
Toast
Toast connects to more tools for multi-client workflows.
Enterprises
Toast
Toast leads on compliance and breadth for complex needs.
Ecommerce
Either
Either integrates with more of the commerce stack.
SaaS companies
Toast
Toast is the more developer- and automation-friendly choice.
Integration overlap
Shared integrations (1)
Only in SumUp (5)
Only in Toast (5)
Keep Exploring
Other alternatives worth considering
Similar pos software products buyers compare alongside SumUp and Toast.
Ask SIA which solution fits your business
SIA, Saaskart's AI buying assistant, weighs SumUp and Toast against your team size, budget, integrations and compliance needs, then recommends the right fit and the questions to ask each vendor.
Get a personalised recommendationSumUp vs Toast, Frequently Asked Questions
What is the difference between SumUp and Toast?
SumUp and Toast are both POS Software solutions. SumUp is rated 0.0/5 by 0 users, while Toast is rated 0.0/5 by 0 users. The main differences lie in pricing, features, and target audience.
Which is better, SumUp or Toast?
Based on user ratings, SumUp scores higher at 0.0/5. The best choice depends on your team size, budget, and specific requirements.
Which is cheaper, SumUp or Toast?
Toast is the more affordable option, starting at $0/month.
Does SumUp or Toast have a free plan?
Toast offers a free plan. SumUp does not have a free tier but does offer a free trial.
Can I switch from SumUp to Toast?
Switching between SumUp and Toast is possible. Both support data export. Check integration compatibility and plan for data migration to minimise disruption to your team.
Who should use SumUp vs Toast?
SumUp is best suited for teams that prioritise enterprise features. Toast works well for teams looking to start free and scale.
Our Verdict
The bottom line on SumUp vs Toast
Best Overall
Either
It's a tie balances user satisfaction and proven adoption.
Best for Startups
Toast
Toast has the friendliest entry point for new teams.
Best for Enterprise
Toast
Toast leads on compliance and feature breadth.
Best Value
Toast
Toast delivers the lowest cost to get started.
Best AI Features
Either
Comparable AI capabilities on both sides.
Highest Rated
Either
Both earn equal user ratings.