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Square vs SumUp: The Data Privacy Showdown

Discover how Square (US) and SumUp (GB) stack up on data security. Protect your payments with the right choice today.

Last updated: February 1, 2026•Reviewed by Built in EU Team

Should You Switch to SumUp?

What You Gain

Gain full GDPR compliance and better data privacy with SumUp.

Privacy advantage
Trade-offs

May lose advanced features like payroll and banking services.

Square has more features
Bottom Line

Switch if privacy is your priority; stay with Square for more features.

At a Glance

Data Location
🇺🇸US

US data laws

🌍GB

GDPR protected

Pricing

Square

freemium

SumUp

freemium

Migration
Medium difficulty

Privacy & Compliance Comparison

Critical data sovereignty factors at a glance

CriteriaSquareSumUp
Server Location
US (AWS), EU (optional)EU
GDPR Compliance
Partial (SCCs)Full
Open Source
E2E Encryption
OptionalOptional
Data Portability
PartialPartial

CLOUD Act Notice

Square is a US company and must comply with CLOUD Act data requests, even for data stored in EU data centers. SumUp is not subject to US jurisdiction.

Switching from
Square logo

Square

🇺🇸

Block Inc.

VS
Switching to
SumUp logo

SumUp

🌍

SumUp Limited

US Data Storage

Data subject to US CLOUD Act and may be accessed by US authorities

EU Data Protection

Data protected under GDPR with EU-only data residency

Certifications & Compliance

No certifications listed

GDPR Compliant
EU-Based

Reasons to Switch

  • âś“No monthly fees with SumUp, unlike Square's subscription costs.
  • âś“SumUp's card readers start at $19, lower than Square's options.
  • âś“GDPR compliance ensures better data protection for EU customers.
  • âś“SumUp offers a mobile POS app, ideal for on-the-go businesses.

Things to Consider

  • !Migrating data from Square to SumUp can be time-consuming.
  • !Square's payroll and banking services are not available with SumUp.
  • !Learning curve for SumUp's interface may slow down operations initially.
Migration difficulty:
Medium

Migration Overview

Full guide
Difficulty
Medium

Quick Steps

1

Create SumUp account and configure settings

2

Export and prepare data from Square

3

Import data, test integrations, and migrate users

Ready to make the switch?

Start using SumUp today and take control of your data privacy.