Free up to 50 customers
A complete program, one shop, no credit card. Enough to find out whether your regulars are interested before you pay anything.
Comparison · Cartia vs SumUp Local
Cartia vs SumUp Local: the honest comparison
SumUp Local is free: hard to beat on price. The trade-off lies elsewhere - the customer goes through the SumUp app, and your loyalty program stays tied to your payment solution.
SumUp Local is the loyalty building block of the SumUp ecosystem, free for business owners who take payments with its terminals.
SumUp Local serves the French market. Its offers and prices below are those published on its French-market website, in euros, and Cartia’s prices are shown in euros too so that the amounts can be compared like for like. Offers and availability may differ outside France.
Head to head
Cartia and SumUp Local, point by point
| Criterion | Cartia | SumUp Local |
|---|---|---|
| Listed price | Free €0 · Pro €29.90/month (14-day trial) · Business €59.90/month, 3 locations included, then €10/month per extra shop (14-day trial) · all prices tax included | €0 listed, within the SumUp ecosystem |
| Approximate first-year cost (1 shop) | €0 on Free · Pro €358.80 tax included for 12 monthly payments; €287.04 tax included with annual payment (−20%) | €0 loyalty subscription - the model relies on SumUp payment processing (hardware, fees) |
| Setup fees | €0 - no installation fees | No dedicated fees, but a SumUp account is required |
| Permanent free plan | Yes - up to 50 customers, no credit card required | Yes - free, tied to using SumUp |
| App customers must install | No - the customer scans a QR code and everything happens in the browser | Yes - the customer goes through the SumUp app |
| Apple Wallet / Google Wallet | Yes - added directly to Apple Wallet and Google Wallet | Card managed in the SumUp app |
| Getting started | Program created online, printable QR kit generated | From your SumUp account / terminal |
| Commitment / dependency | Monthly with no commitment; annual paid in one go for 12 months · scanning from a browser or Cartia Counter | Strong: the program is tied to your payment solution |
Public sources for SumUp Local checked on October 3, 2026. Prices are given for information only and have no contractual value: check their current price list on their website. Rows marked “to check” are those where we did not find clear public information - we prefer to say so rather than guess. Cartia’s prices come from our public catalog.
Sources: Présentation officielle SumUp Local
What changes with Cartia
Four concrete differences
Pro at €29.90/month, all included
14-day trial, then a flat fee: unlimited customers, no overage charges and no message credits to top up. A credit card is required to start the trial. Your bill doesn’t change when your traffic goes up.
€0 setup fees
No installation package to pay for before your first customer. You create the program, print the QR kit, and get started.
No app for customers
The customer scans the QR code at the counter and joins the program from their browser. No download to negotiate during the rush.
Straight talk
When SumUp Local is the right choice, and when Cartia is
SumUp Local’s strengths
- It’s free, and no loyalty software will beat €0 on price alone.
- If you already take payments with SumUp, everything lives in one place: terminal, payments and loyalty.
Choose SumUp Local if you already use SumUp equipment, budget is the only criterion, and the customer app doesn’t bother you.
Where Cartia keeps it simple
- The customer must go through the SumUp app to find their card. With Cartia, they scan a QR code and stay in their browser, installing nothing.
- Your program is tied to your payment solution: changing terminals reopens the loyalty question. Cartia works alongside your register, whatever it is.
Choose Cartia if you want a program that is independent of your register, a customer journey with no installation, and the ability to change terminals without starting over.
Transparency
What Cartia openly acknowledges
A comparison that only lists its own advantages helps no one. Here is where Cartia openly stands today.
- The Free plan is a real program, not a demo: Apple Wallet and Google Wallet are included from €0. CSV export, campaigns on the card and staff accounts start with the Pro plan. Email campaigns are coming soon.
- The Pro plan covers one shop. Beyond that, you need the Business plan: 3 shops and 3 programs included for €59.90/month tax included, then €10/month tax included per additional location, with no limit on the number.
- Cartia is a young platform: we don’t publish customer case studies or revenue figures that we couldn’t back up.
Frequently asked questions
Cartia or SumUp Local: the questions that come up
Why pay for Cartia when SumUp Local is free?
You can start without paying: Cartia’s Free plan covers up to 50 customers at €0, with no credit card required. Beyond that, Pro is €29.90/month tax included with an unlimited number of customers. What you are then buying is independence from your payment solution and a customer journey with no app to install.
Does Cartia work with my register or terminal?
Cartia works alongside your register, with no integration required. Validating a visit or a reward is done through Cartia Counter, from a browser or a phone. There is no public product API for now.
Other comparisons