Need help with SumUp Pay?

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)

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 daily and weekly limit on how much money you can add to your Wallet. You can top up a maximum of £300 within a calendar day, and £1000 within a calendar week.

You can add money to your account via card a maximum of 3 times per calendar day.

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

• UK VPay debit cards

• UK VPay prepaid cards

Unfortunately, we can’t accept:

• Credit cards, including any American Express cards

• Corporate cards

• Visa deferred debit cards

• Any foreign card

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.

Cashback is a loyalty programme that lets you earn a percentage of your money back when you make purchases. You'll earn 0.5% cashback when you spend with SumUp Pay, excluding gambling transactions, crypto purchases, or topping up a wallet you have with another provider.

You'll earn 0.5% cashback when you spend with SumUp Pay, excluding not eligible transactions such as gambling transactions, crypto purchases, or topping up a wallet you have with another provider. There is a cashback cap of £10 within a calendar month period.

Your cashback is automatically stored in a cashback pot within the app. To spend the cashback, you must withdraw it to your balance. You can then spend your cashback from your balance. 

Your cashback will expire if your account is inactive for 12 months. Just make a card payment or transfer to keep your account active.

You can view the full terms and conditions of the SumUp Pay cashback programme here.

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.