Need help with SumUp Pay?

SumUp Pay is an app that customers can use to pay their favourite participating SumUp merchants (using QR codes and payment links) or any other business by activating the SumUp Pay Mastercard, earn and redeem points and to send or receive money totally free of charge.

Read further information below on the main features offered by the SumUp Pay app.

Yes, there are no fees involved with using SumUp Pay. Whether that’s paying a SumUp merchant or sending and receiving money from your contacts.

SumUp is authorised as a Payment Institution by the Financial Conduct Authority (FCA). Therefore, we’re obligated to verify that you’re the individual registered with the SumUp profile for Anti Money Laundering (AML) and safety reasons.

If you want to add money to your Wallet balance, create a virtual SumUp Pay Mastercard, earn and redeem points, and send and request money, you must verify your identity using the KYC (“Know Your Customer”) process.

You’ll need to provide your personal details (name, date of birth and residential address). We'll then ask you to take a picture of both sides of an identity document (e.g. your passport, national ID card or driver’s licence) and take a selfie to confirm that the document belongs to you.

Once your identity is verified, your SumUp Pay profile is complete.

• The ID provided must be valid and not expired. It must also display a clear photo of you.

• The name registered on your SumUp Pay profile must match the name on your ID.

• The images uploaded must be clear, of good quality and show the whole document.

As SumUp Pay is offering a financial service, we need to provide a safe environment for your personal finances. That’s why we offer multi-factor authentication (MFA), in order to enhance security. Should you attempt to log in to your profile from a new device, you’ll be asked to verify this attempt using your device security and a confirmation email.

You can set up your multi-factor authentication (MFA) in the SumUp Pay profile settings. You'll have to use your device's security and confirm that you want to set up multi-factor authentication using an email.

There are several ways you can pay using SumUp Pay. To pay a SumUp merchant, you can either scan a merchant's QR code at their business or pay using a payment link that is sent to you by a merchant.

A payment link is usually sent by a merchant via email or SMS, using a messaging service like WhatsApp or on social media.

To pay at any merchant, you can create your own virtual Mastercard, the SumUp Pay Mstercard. It can be used with Apple Pay or Google Pay to make contactless payments.

It’s easy. If you want to complete a payment to a SumUp merchant via QR code or Payment link, you can save your card details to your SumUp Pay profile and the amount will be deducted from this card if the payment is successful.

It’s also possible to store multiple cards on your profile and decide which one you want to use during the payment process.

You can always top up your SumUp Pay profile and the funds will be deducted directly from your balance.

A QR code is similar to a barcode. It holds information that is read when scanned. Using SumUp Pay, you can scan a participating merchant's QR code and complete your payment using the app.

With SumUp Pay, you can pay at any participating SumUp merchant. You can either scan the merchant's QR code from their smart device or from a stand, display or sticker at the merchant’s business.

Participating merchants may place their QR code display by their checkout, but it may be placed in the area where you make your order, such as at your table or counter. If you can’t find the merchant's QR code, you can always ask if they’re a participating SumUp merchant.

Your merchant can send you a payment link via email, SMS or other messaging services like WhatsApp. Tapping on the link will automatically open SumUp Pay and display the amount owed to the merchant. All you have to do is confirm the payment to complete the transaction.

Your personal QR code is a QR code that's unique to your profile. It can be scanned by others to show your profile information. If they're also using SumUp Pay, they'll be given the option to send and request money.

You can find your personal QR code by selecting the 'Scan' tab and then tapping on 'My code.' Alternatively. tap your profile icon and then on 'Get paid'.

Please note that your personal QR code will only be generated once you've successfully completed the signup process.

Yes. There's a weekly limit on how much money you can send.

• You can send a maximum of £2000 a week (7 days rolling)

Yes. There's a weekly limit on how much money you can request and receive.

• You can receive a maximum of £2000 a week (7 days rolling)

SumUp Payments Limited, a company with limited liability incorporated in England and Wales with its registered number 07836562 and with its registered office at 32 - 34 Great Marlborough St, London W1F 7JB, UK, is the provider of the SumUp Pay Loyalty Program. SumUp Payments Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011.

It’s easy. Just download SumUp Pay, complete the signup process, follow any other applicable instructions and that’s it.

Points are credited to your points balance after the purchase is done at a SumUp merchant or if you decide to earn a multiplier at selected Partners displayed within the app after a purchase, and can only be redeemed with SumUp merchants and at selected Partners depending on the preferred option.

You’ll have to provide all of the required details and accept our Personal Service Terms and Conditions and Privacy Policy. You’ll also have to complete the KYC (Know Your Customer) process by providing your personal information alongside a valid identification document.

Once your identification is approved and your profile is verified, you’re eligible for the SumUp Pay Loyalty Program and ready to start collecting and redeeming points.

Please note that the SumUp Pay Loyalty Program is only available for UK residents over 18 years old.

You can earn 1 point per 1 GBP when you shop at SumUp merchants with SumUp Pay either via our app or SumUp Pay Card and when you pay at any other business using the SumUp Pay Card.

You can earn 20 points per 1 GBP you spend at selected Partners (that can be coffee shops, bars and restaurants) displayed within the app (see the Rewards section).

You can redeem your points at SumUp merchants when paying with the app or via the SumUp Pay Card at selected Partners. Keep in mind that 1 point equals 0.5 pence when you try to redeem at a SumUp merchant. Redemption rates at selected partners will be showcased within the app. 

If you’re paying via the Wallet balance, a QR code or payment link, you can choose to redeem your points when going through the checkout process on SumUp Pay.

You cannot redeem your points at a SumUp merchant using your SumUp Pay Card.

At selected Partners the points redemption depends on the choice selected in app, if you prefer either to redeem points and get money off the bill or earn a multiplier for the selected cafe, restaurant and bar in London.

Upon tapping the points tile in your home screen, a screen will appear where you can toggle between earning points or redeeming your points

You cannot withdraw points as it cannot be redeemed as cash.

Yes, your points will expire 365 days after the date on which you earned it. For example, any point that was earned on 1st January 2023 will expire on 1st January 2024. Leap years are counted for exact calendar days.

The maximum points you can earn with a single transaction is 1000 points, and the maximum points you can earn within 30 days is 10 000.

You can find the full Terms of the SumUp Pay Loyalty Program here.

In order to top up your SumUp Pay Wallet balance, open the App, click on the Wallet section and then select "Add money". You will be presented the top up possibilities where you can choose the preferred top up method.

Yes. There's a weekly limit on how much money you can add to your Wallet.

• You can top up a maximum of £1000 a week (7 days rolling)

Open "Your profile" and select "Payment methods" to manage your payment methods. There you can deactivate existing cards or add new cards. Once a card has been added, it cannot be edited. Please be aware that you can only add 4 new cards in a 30 day period.

Your SumUp Pay Mastercard is a debit card that allows you to make card payments online and in person. 

You can activate your virtual card within the SumUp Pay app and add it to Google Pay or Apple Pay. 

The card is only a virtual one and is not possible to request a physical one.

Your SumUp Pay Card is free to obtain and has no fees attached. 

Currently, we do not support 3rd party Wallet payments as well as payments to gambling providers.

When processing a payment the card will use the Wallet Balance funds or automatically charge your linked card that you saved within the App.

You can place a temporary block on your SumUp Pay Card within the dedicated section in the app if you suspect suspicious activity or unauthorized transactions, the card will then not be able to be used for payments.

You just need to open the app and click on “SumUp Pay Mastercard" and then “Lock card”.

Please, reach out to our Support Team within the dedicated section in the app to request further assistance.

You can easily unblock your card as well by following the same procedure.

Yes, you can earn 1 point per 1 GBP when you shop at SumUp merchants and non SumUp merchants when you pay using the SumUp Pay Card.  You can earn 20 points per 1 GBP you spend at selected Partners (that can be coffee shops, bars and restaurants) displayed within the app. 

You can redeem points via the SumUp Pay Mastercard at selected Partners depending on the preferred choice. Redemption rates at selected Partners will be showcased within the app. 

Third party wallet top ups are excluded from earning points.

Occasionally transactions may appear on our end as paid even though the paid business will see a failed transaction. Do not worry, your money will not be lost. Depending on the case, after a couple of minutes or days the money will return into your account as a refund to your balance.

We are aware of the inconvenience and work on fixing it.

Unfortunately, only Visa and Mastercards are supported to be linked for charging at this point.

You can link a bank card to your SumUp Pay account, to be able to spend with your SumUp Pay Mastercard. You can also top up your Wallet and spend from it directly.  Accepted cards include:

• UK debit cards

• VPay debit cards

• VPay prepaid cards

Unfortunately, we can’t accept:

• Credit cards, including any American Express cards

• Corporate cards

• Visa deferred debit cards

Get in touch with our Support team for any questions and we’d be happy to help.  

How can I pay Payment Links to SumUp merchants?

You can use your preferred card, Apple or Google Pay, wallet balance, or points to pay Payment Links through the app.

A promotion is a limited offer, such as a discount, that can be used on an eligible purchase at a SumUp merchant when it has been added to your profile within the Rewards section. Promotions are only open to users of SumUp Pay that have a verified profile.

To add a promotion to your profile, enter your promo code in the Rewards section of the app. This is accessed by tapping the gift icon in the top right corner of the app.

Once a promotion is added, it will automatically be reflected in your points balance.

To use a promotion when paying with your SumUp Pay Card, you will need to first enter your promo code within the app before making a purchase, go to the Promotions section of the app by tapping the gift icon in the top right corner of the app. From there, you can add a promotion that will be then reflected within your points balance.

To check the validity of an added promotion, tap on the gift icon in the top right corner of the app. Each added promotion will say when it expires.

You can add a signup promo code bonus into the Rewards section (gift icon) no more than 7 days after verification is completed. Once you correctly add a promo code within the Reward section, the amount of the promo code will be available within your points balance. For further information regarding the expiration of points, please check the section Will my points expire? within the Earning and redeeming points section.

In the case that a promotion has already expired at the time you try to add it, a message beneath the entry field will let you know.

• What is a promo code? A promo code is a code that gives you access to a promotion, such as a discount that can be applied to a purchase, when it is added to a SumUp Pay profile or entered at checkout.

• Who’s eligible to participate? Participation is only possible from the country you signed up in (United Kingdom, Germany, or Italy) and is only permitted for persons aged 18 and over.

• 7 days to add a sign up promo code. You can add a signup promo code bonus into the Rewards section (gift icon) no more than 7 days after verification is completed. Once you correctly add a promo code within the Reward section, the amount of the promo code will be available within your points balance. For further information regarding the expiration of points, please check the section Will my points expire? within the Earning and redeeming points section.

• How does participation work? Participation in promotions takes place exclusively via SumUp Pay and is only available to customers that have verified their identity. This allows a customer to add and apply a promotion to a checkout at a SumUp merchant or to their SumUp Pay points balance. A discount will be automatically deducted from the total price of the checkout when a promotion is activated by the user and the remaining amount is to be paid to the merchant. A checkout is understood to be the instance of paying a SumUp merchant via Payment Link or QR Code using SumUp Pay Wallet. One promotion is separate from all other valid promotions and cannot be used in combination with another promotion, voucher or Refer-a-Friend Program. All promotions are only redeemable once and are only valid on purchases made at SumUp merchants and selected Partners and cannot be used on non-SumUp purchases.

The Refer-a-Friend programme (the “Refer-a-Friend”) allows eligible Sumup Pay customers to earn a referral bonus and grant it to the referred new customer (‘’Promotion’’). The referral bonus will be granted only if you and your referred friends meet all of the criteria present during the Refer-a-Friend programme availability. The provider of Refer-a-friend is SumUp Payments Limited, authorized by the Financial Conduct Authority in the UK under the Electronic Money Regulations 2011 (register number 900700), with headquarters in London, United Kingdom.

Refer-a-Friend will be active from 20 November 2023 until the Promotion capacity is reached.

• Who is eligible for the Promotion? To participate in the Refer-a-Friend programme, you must be at least 18 years old and a resident of the United Kingdom. Each user is entitled to share the code with multiple persons, however, the referral code can be redeemed only 6 times. A redemption is understood to be an action of entering the code in a designated field in the SumUp Pay app by the referred person, regardless of the success of their account verification. Subsequent attempts beyond this limit will trigger an error message, indicating that the maximum redemption threshold has been achieved. If you want to refer new customers who have already participated in another SumUp Pay Promotion, such as ‘Promotion code’ for signup, they are not eligible for the referral bonus. You also cannot use the code if it was provided by a person who was previously referred by you.

• What do you need to do to earn the bonus? In order to earn the referral bonus, you as the referrer must share a valid referral code with your friend, who is not a verified customer in SumUp Pay. The referred friend must redeem the referral code prior to the KYC verification or within 7 days of successfully verifying their account. The referrer will receive this incentive only if the referred friend successfully verifies their profile. The referred friend will also be rewarded with 1000 SumUp Loyalty Points upon successful KYC verification. The referral bonus will be granted in a form of points balance and credited to both the referrer and the referred friends’ SumUp Pay account. Standard Loyalty Points redemption Terms apply.

• What else do you need to know ? We request that you refer a friend solely if you know they will welcome and not be disturbed by the recommendation. We may, at our sole discretion, suspend, terminate or amend these Terms without prior notice.

To be eligible for the referral bonus, you must comply with these Terms and all other Terms and Conditions that apply to your SumUp Pay account. If we suspect that you've been involved in any fraudulent or substantial misuse of this Promotion, we reserve the right to take appropriate actions as we deem necessary. For instance, it would be considered a significant misuse of this Promotion if you organise a campaign solely to profit from it without generating authentic and distinct new sign-ups. In such cases, at our sole discretion, we may decide to close your account and undo any rewards provided.

The Refer-a-Friend program is governed by English law.

You can choose the option to either earn or redeem rewards within the app.

Upon tapping the points tile in your home screen, a screen will appear where you can toggle between earning points or redeeming your points with your SumUp Pay card under the below conditions.

Rewards are only open to users of SumUp Pay that have a verified profile.

You can choose the option to either earn or redeem rewards within the app.

A Reward can be redeemed when all of the following conditions apply: 

• You have enough points in your balance upon paying at the selected restaurant, bar or café

• Your Wallet or your linked card has enough balance to cover the difference between final bill and reward amount

• The final bill amount is equal to or above the minimum Reward amount

Furthermore, you will earn points at a predetermined multiplier for every pound spent at selected restaurants, bars or cafés when any of the following conditions apply: 

• You don’t have enough points to redeem a reward at the selected restaurant, bar or café

• You have enough points, but the final bill is less than the reward amount 

At one of 100 handpicked bars, cafés and restaurants in London. 

Keep your eyes peeled for more locations and cities soon.

Rewards can only be redeemed with the SumUp Pay Card by adding your virtual card to Apple Pay or Google Pay.

SumUp Pay Loyalty Program Terms can be found here.