Melio vs SumUp
Side-by-side comparison of features, pricing, and integrations.
Quick Verdict
Melio offers more features (45 vs 28) and more integrations (31 vs 2). Both start at $99/mo. Melio has 45 unique features while SumUp has 28 unique features, with 0 features in common.
| Melio | SumUp | |
|---|---|---|
| Category | Payment Processing | Payment Processing |
| Total Features | 45 | 28 |
| AI-Powered Features | 9 | 1 |
| Starting Price | $99/mo | $99/mo |
| Pricing Tiers | 4 | 5 |
| Integrations | 31 | 2 |
| Shared Features | 0 | |
| Shared Integrations | 0 | |
| Data Quality | 73% | 60% |
Feature Comparison by Category
Accounting (3 vs 0)
| Feature | Melio | SumUp |
|---|---|---|
| Bank Reconciliation | ||
| Expense Categorization | ||
| Invoice Matching |
Analytics (4 vs 0)
| Feature | Melio | SumUp |
|---|---|---|
| Cash Flow Forecasting | ||
| Payment Analytics | ||
| Payment Calendar | ||
| Spending Insights |
Banking (0 vs 2)
| Feature | Melio | SumUp |
|---|---|---|
| Business Bank Account | ||
| SumUp MasterCard Debit Card |
Budget Management (1 vs 0)
| Feature | Melio | SumUp |
|---|---|---|
| Budget Tracking |
Compliance (3 vs 0)
| Feature | Melio | SumUp |
|---|---|---|
| Audit Logs | ||
| Compliance Reporting | ||
| Payment Approvals |
Core POS (0 vs 1)
| Feature | Melio | SumUp |
|---|---|---|
| Point of Sale System |
Cost Optimization (2 vs 0)
| Feature | Melio | SumUp |
|---|---|---|
| Early Payment Discounts | ||
| Zero-Fee ACH |
Customer Engagement (0 vs 3)
| Feature | Melio | SumUp |
|---|---|---|
| Customer Rewards | ||
| Fivestars Rewards Integration | ||
| Loyalty Program - SumUp Connect |
Customer Management (0 vs 1)
| Feature | Melio | SumUp |
|---|---|---|
| Customer Database |
Customization (1 vs 0)
| Feature | Melio | SumUp |
|---|---|---|
| Custom Branding |
Documentation (1 vs 0)
| Feature | Melio | SumUp |
|---|---|---|
| Document Upload |
Efficiency (1 vs 0)
| Feature | Melio | SumUp |
|---|---|---|
| Payment Templates |
Fraud Prevention (1 vs 0)
| Feature | Melio | SumUp |
|---|---|---|
| Duplicate Payment Detection |
HR & Payroll (1 vs 0)
| Feature | Melio | SumUp |
|---|---|---|
| Payroll Integration |
Hardware (0 vs 4)
| Feature | Melio | SumUp |
|---|---|---|
| Card Readers | ||
| SumUp Kiosk | ||
| SumUp Plus Card Reader | ||
| SumUp Solo Card Reader |
Integration (1 vs 0)
| Feature | Melio | SumUp |
|---|---|---|
| API Access |
Inventory (0 vs 2)
| Feature | Melio | SumUp |
|---|---|---|
| Inventory Management | ||
| Product Catalog Management |
Invoicing (0 vs 1)
| Feature | Melio | SumUp |
|---|---|---|
| SumUp Invoicing |
Marketing (0 vs 4)
| Feature | Melio | SumUp |
|---|---|---|
| AI Enhanced Promotions | ||
| Automated Marketing | ||
| Google Review Boost | ||
| SMS & Email Promotions |
Mobile (1 vs 1)
| Feature | Melio | SumUp |
|---|---|---|
| Mobile App | ||
| SumUp App |
Notifications (3 vs 0)
| Feature | Melio | SumUp |
|---|---|---|
| Email Notifications | ||
| Payment Reminders | ||
| Real-Time Notifications |
Onboarding (0 vs 1)
| Feature | Melio | SumUp |
|---|---|---|
| Dedicated Installation and Training |
Operations (0 vs 1)
| Feature | Melio | SumUp |
|---|---|---|
| Employee Schedule Tracking |
Payments (12 vs 2)
| Feature | Melio | SumUp |
|---|---|---|
| ACH Payments | ||
| ACH Recurring Payments | ||
| Batch Payments | ||
| Bill Pay | ||
| Check Payments | ||
| International Payments | ||
| Mass Payments | ||
| Multi-Currency Support | ||
| Payment Processing - In-Person | ||
| Payment Processing - Online & Manual Entry | ||
| Payment Routing | ||
| Payment Scheduling | ||
| Payment Status Tracking | ||
| Wire Transfers |
Policy (0 vs 1)
| Feature | Melio | SumUp |
|---|---|---|
| Money-Back Guarantee |
Procurement (1 vs 0)
| Feature | Melio | SumUp |
|---|---|---|
| PO Integration |
Reporting (1 vs 1)
| Feature | Melio | SumUp |
|---|---|---|
| Payment History Export | ||
| Sales Reporting |
Security (1 vs 1)
| Feature | Melio | SumUp |
|---|---|---|
| Industry Security Standards | ||
| Two-Factor Authentication |
Support (0 vs 1)
| Feature | Melio | SumUp |
|---|---|---|
| 24/7 Customer Support |
Tax Compliance (1 vs 0)
| Feature | Melio | SumUp |
|---|---|---|
| 1099 Tracking |
Team Management (2 vs 0)
| Feature | Melio | SumUp |
|---|---|---|
| Department Management | ||
| Multi-User Access Control |
Transactions (0 vs 1)
| Feature | Melio | SumUp |
|---|---|---|
| Digital Receipts |
Vendor Management (4 vs 0)
| Feature | Melio | SumUp |
|---|---|---|
| Vendor Directory | ||
| Vendor Management Portal | ||
| Vendor Portal Self-Service | ||
| Vendor Scorecard |
Unique Features
Only in Melio (45)
Bank Reconciliation
Expense Categorization
Invoice Matching
Cash Flow Forecasting
Payment Analytics
Payment Calendar
Spending Insights
Budget Tracking
Audit Logs
Compliance Reporting
Payment Approvals
Early Payment Discounts
Zero-Fee ACH
Custom Branding
Document Upload
Payment Templates
Duplicate Payment Detection
Payroll Integration
API Access
Mobile App
+ 25 more unique features
Only in SumUp (28)
Business Bank Account
SumUp MasterCard Debit Card
Point of Sale System
Customer Rewards
Fivestars Rewards Integration
Loyalty Program - SumUp Connect
Customer Database
Card Readers
SumUp Kiosk
SumUp Plus Card Reader
SumUp Solo Card Reader
Inventory Management
Product Catalog Management
SumUp Invoicing
AI Enhanced Promotions
Automated Marketing
Google Review Boost
SMS & Email Promotions
SumUp App
Dedicated Installation and Training
+ 8 more unique features
Want to build your own alternative to Melio or SumUp?
Analyze it with Reap