From the POV of these small business owners that Sumup terminal doesn't do anything to help them and if anything makes their life harder. It won't integrate with their business management software (our product) and most likely will have higher transaction fees than their current payment processor. The company I was with offered EMV terminals that were fully integrated with the management software (I helped write the integration), but there wasn't a lot of interest in them outside of larger companies. The small guys in general don't have a lot of incentive to care about information security. One of the other projects I worked on was migrating the management software from using encrypted CC numbers stored in its database to using tokens. When we took away the ability for users to unmask and view the full CC number some of them started saving saving card numbers in the plain text customer info fields (address, etc.).

"You won't be able to accept cards for payment unless you use an EMV terminal or tokenized card for recurrent CNP transactions."

Problem solved.

Exactly the type of company that should be getting one of those portable card readers that can be easily replaced.

It can't be harder to enter an amount in the device and ask the customer to insert card and type pin than typing numbers or swiping many times, getting signatures, etc.