Need help with SumUp Pay?

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 are limits on how much money you can transfer:

• 25.000 € per transfer

• 50.000 € per day

• 150.000 € per month

There's no limit on how much you can receive into your account via bank transfer. However, transferring larger amounts may take a little longer. This allows us to protect your money from potential fraud and financial crime.

If you are adding money to your account via card, you can add a maximum of €300 per calendar day and a maximum of €1,000 per calendar week. You can add money to your account up to three times per calendar day by card.

Yes, it’s easy for non-SumUp Pay users to send you money. Your friend will get a link via SMS letting them know you've requested money from them. If your friend has SumUp Pay downloaded, they'll get taken to the app.

If they don't have the SumUp Pay app, they'll get taken to an online checkout page. This payment method is quick and secure, plus you’ll get a notification when you’ve been paid.

You can receive up to 500€/£ a week from non-SumUp Pay users paying you via guest checkout.

When you make a transfer, we check that the name and IBAN match to make sure your money reaches the right account. This helps protect you from sending money to the wrong person or business.

There are several ways to top up your SumUp Pay balance. If you've already linked a card to your profile, you can use it to top up your balance in the app.

If you want to top up your balance using your bank account, you can do so via bank transfer. Your SumUp Pay account has an IBAN which you can use to transfer funds directly to your balance. You can send money back to your bank account at any time.

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.

You can add money to your SumUp Pay account via bank transfers or the following cards:

Accepted cards are:

• Debit cards issued in the European Economic Area (EEA)

• Prepaid cards issued in the European Economic Area (EEA)

Unfortunately, we cannot accept the following cards:

• Credit cards, including all American Express cards

• Company cards

• Visa Deferred Debit Card

• Cards issued outside the European Economic Area (EEA)

Open your SumUp Pay app and tap on the ‘Card’ button. You will first see your virtual card, and then have the option to tap ‘Order physical card’. From there, you can enter the address where you want the card to be sent.

Your SumUp Pay Mastercard is free.

Yes, you can use your SumUp Pay Mastercard worldwide for in-store payments, online purchases, and ATM withdrawals.

When you activate your physical card, your virtual card details will be automatically updated to match your physical card details.

You’ll need to update these details anywhere your card is saved (such as subscriptions), so you can continue to make payments.

You get 4 free cash withdrawals per calendar month – 3 domestic and 1 international. After that, a 2% fixed fee is applied per withdrawal. For example, if you withdraw £50, you’ll be charged £51.

Yes, you can use your virtual SumUp Pay Mastercard to make cash withdrawals at cardless ATMs – just look out for the curved, four-line contactless symbol on them.

To use a cardless ATM, open your mobile wallet, choose your payment card, hold your device close to the contactless symbol on the ATM, and enter your PIN. You can set and change your PIN within the ‘Card’ screen of your SumUp Pay app.

Some ATMs may apply their own fees for cash withdrawals. This fee will appear within the same transaction in your transaction list and typically added on top of the withdrawal amount. We have no control over these fees and we can’t reject or reverse them. You should be informed by the ATM operator before confirming your withdrawal whether additional fees apply and you should have the possibility of cancelling it.

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.

If you notice suspicious activity or an unauthorised transaction, you can temporarily block your SumUp Pay card in the app:

1. Open the SumUp Pay app

2. Tap on “Card”

3. Select “Freeze” to block your card instantly

If you need further help, please contact our Support Team. You can also unfreeze your card at any time by following the same steps.

Every place you shop at has an MCC, also known as a merchant category code. This four-digit number is used by financial institutions to categorise the types of goods and services a merchant offers. When you spend with your SumUp Pay Mastercard, we match the merchant category code to SumUp Pay’s spending categories, such as groceries, transport, or personal care.

If the category we match your payment to doesn’t look right, you can change it manually. Go to the transaction details in your SumUp Pay app and tap ‘Change category’. You can then choose which category you would like to match your payment to.

A Direct Debit (SEPA Direct Debit) is a payment method that lets a company take money directly from your SumUp Pay account, such as for subscriptions or regular bills.

You give your account details (IBAN) to the company you want to pay. They’ll set up the Direct Debit with your consent, and the payments will then be collected automatically. Direct Debits can be set up from your main balance as well as from any Space you choose.

In your app, you’ll see the individual payments. This means if you authorise a company to set up a Direct Debit today but they don’t collect the first payment until a later date, the Direct Debit will only appear in your app once that first payment is taken.

Yes. You can stop a Direct Debit in the SumUp Pay app, from the moment it appears in your app until the payment is due. Open the transaction and tap ‘Stop Direct Debit’.

After the due date, the payment can no longer be stopped, but you may still be able to initiate a refund. Please also notify the company, as stopping a Direct Debit in the app does not end your contract with them.

Yes. Open the transaction in your app and tap ‘Initiate Refund’. To be eligible for a refund, you must initiate it within 8 weeks from the date of collection. Only initiate a refund if the transaction was unauthorised by you.

If your balance is too low, the Direct Debit will fail and no payment will be taken. The company may still try again or ask you to pay by another method.

No. Any changes to the date or amount must be agreed with the company directly.

Yes. SEPA Direct Debits are protected by EU regulations. You have the right to a refund for unauthorised or incorrect payments.

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.

Once your identity and profile have been verified, you are eligible to participate in the SumUp Pay Cashback Programme and can immediately collect and redeem cashback.

You'll need to provide the required information and accept our Personal Services Terms and Conditions and Privacy Policy. You'll also need to complete the KYC ("Know Your Customer") process, which may require you to provide a valid ID document in addition to your personal information.

Please note that the SumUp Pay Cashback programme is only open to individuals who reside in Ireland and are over 18 years of age.

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. There is a cashback cap of €10 within a calendar month period.

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

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

The maximum cashback you can earn with a single transaction is 10€, and the maximum cashback you can earn per month is 10€.

SumUp EU Payments UAB (registered number 305074395, registered office at Ukmergės g. 126, LT-08100 Vilnius, Lithuania), is the provider of the SumUp Pay Cashback Programme. SumUp EU Payments UAB holds an E-Money license and is authorised and supervised by the Bank of Lithuania.

You can find the full Terms of the SumUp Pay Cashback Programme here.

To create a Space, tap on ‘Create Space’ when you open your SumUp Pay app. If you want to change the name, goal, emoji or colour of your Space, tap ‘More’ and then tap ‘Edit’.

You can create up to 10 Spaces for free.

To move money in and out of your Spaces, tap into a Space and then tap 'Send money’. You can transfer money to and from your main balance, between different Spaces, or make an outgoing transfer directly from a Space to another account. Each Space has its own IBAN, which means you can receive transfers directly into that Space without moving money from your main balance.

You can also schedule transfers so money is added to your Space automatically. Transfers can be set as a one-time payment or set to repeat weekly, every 2 weeks, monthly, quarterly, or yearly.

You can create a goal for your Space when you first set up your Space. Under ‘Goal’, enter the amount you want to save in your Space. Goals are optional – you do not need to add a goal to create a Space.

To remove a goal, tap into your Space and tap the pencil icon next to the goal amount. Change the goal amount to 0 and tap ‘Save changes’.

With round-ups, you can reach your goals faster. We’ll round up every payment you make and save the spare change in one of your Spaces. For example, if you spend 0,90€, we’ll set aside 0,10€. You can round by up to 10x.

To turn on round-ups, create a new Space. Toggle on ‘Round up payments’ and pick the amount you want to round up by: 1x, 2x, 5x or 10x.

You can only have round-ups active in one Space at a time. If you try to turn on round-ups in a second Space while they're already active elsewhere, you'll be prompted to switch your round-ups from the current Space to the new one.

The transfer will be carried out in the morning. For example, if you choose to transfer 20 € into your Holiday Space on the 23rd of every month, the money will be in your chosen Space that morning.

For a scheduled transfer to be carried out, you need to have enough money in your main balance, or the Space you're moving money from. Add money to your main balance or Space for the scheduled transfer to be successful.

Yes, you can. Open the SumUp Pay app, tap into the Space you want to change, and tap the three-dot icon in the top corner. From there, you’ll have the option to edit or delete the Space.

If you delete a Space, any money inside it will automatically move back to your main balance.

For Shared Spaces, only the owner can edit or delete the Space.

To create a Shared Space, open the SumUp Pay app and tap ‘Create Space’. You can choose between a Personal Space (just for you) or a Shared Space.

When setting up a Shared Space, you can invite up to 10 other people to join and manage money together — they’ll need to have a SumUp Pay account to join.

Each Shared Space can include up to 11 people, including the Space owner.

The person who creates the Space is the owner. They have full control – they can add or withdraw money, view transfers, remove members, and close the Space.

Other members can also add and withdraw money, view transfers, and leave the Space at any time. Everyone in the Space can see each other’s name.

Open the Shared Space, tap the three-dot icon, and then choose ‘Leave Space’.

Open the Shared Space, tap the icon showing two people, and select ‘See members’. From there you can tap on a member’s name and remove them from the Space.

The person who creates the Shared Space is the sole legal owner of the money. Shared Spaces uses a legal model called Power of Attorney, which means the owner gives permission to the other members to view, add, or withdraw money, but ownership stays with the person who opened the Space.

In a joint bank account, all account holders legally own the money. With a Shared Space, there is one legal owner – the person who sets it up. The others are invited as members and granted Power of Attorney, allowing them to access and manage the money, but not legally own it.

Shared Spaces is a simple and flexible way to manage money with trusted people who use SumUp Pay, whether that's friends, family, flatmates, or colleagues.

For now, you can only share a Space with someone who lives in the same country of residence as you.

Follow these steps to link an account to SumUp Pay:

1. Tap the + icon on your SumUp Pay home screen and tap 'Link bank accounts'

2. Choose the account you want to link – you can link as many as you want

3. Log in securely with your account details

4. Choose which balances you want to see in SumUp Pay

Yes. You can link as many accounts as you like.

Yes. To unlink an account, tap ‘Manage accounts’ on your SumUp Pay home screen. Choose one of your linked accounts, then tap ‘More’. From there, you can remove the linked account.

Open your transaction list and tap ‘All accounts’. From there, select which accounts you’d like to include – your transaction list will update instantly.

Yes. Your login details are encrypted and never stored by SumUp Pay. We use secure, regulated technology to keep your accounts protected.

Tap on any paid transaction you want to split within the SumUp Pay app. Please note that the transaction has to involve a business, so any bank transfers or incentives won’t be valid.

Once you tap into the transaction, you can then select the ‘Split bill’ button. You can then select existing contacts or add a phone number. Once your friends are selected, choose how you want to divide the bill – equal splits or custom amounts. Click on ‘Request money’ and your friends will get a request.

You can then track payment status in real time and get notified when friends pay their share by navigating to the Payments tab or into the transaction.

Yes. They will be directed to a webpage instead of the app where they pay with their card details or Apple Pay/Google Pay.

A bill split can only be cancelled if none of the participants have paid. You can cancel the request or the friend you send it to can also decline your request.

If one of your friends has paid, then it can not be cancelled.

You can track payment status in real time and get notified when friends pay their share by navigating to the Payments tab or into the transaction. As soon as your friend pays, you will see the money added to your SumUp Pay main balance.

You can earn up to £100 with SumUp Pay’s refer a friend programme. To be eligible for your reward, your referred friend must complete the following steps within 30 days of adding the referral code to their account:

• Sign up to SumUp Pay. Verify their identity and add your referral code to their account.

• Add money to their account.

• Make three in-store card payments with a total minimum value of £10 – certain transactions such as gambling and bank transfers aren't eligible.

You’ll get your reward within 30 days of your friend completing the steps. To receive the reward, both you and your friend must have a verified account. Suspended, deleted, and blocked accounts are not eligible for the reward.

You can read the terms and conditions for the SumUp Pay refer a friend programme here.

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.

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.

You can pay payment links using any card linked to your SumUp Pay account.

When you pay a payment link with a credit card as a verified SumUp Pay customer, your bank or credit card issuer may in some instances charge you a cash advance fee. SumUp Pay charges no fees and has no control over third-party fees. To avoid being charged a cash advance fee, we recommend you add money to your account and pay payment links using your SumUp Pay balance, or a linked debit card.