SumUp Local Terms and Conditions

Effective date 30th March 2026

1. Introduction

1.1 The following terms are an agreement between you and SumUp EU Payments UAB, a company with limited liability incorporated with its registered number 305074395 and with its registered office in Vilnius, Lithuania (“SumUp”, “we”, “us”). They cover how we give you, and how you use:

1.1.1 your SumUp Local account (“Account” or “Profile”);

1.1.2 our mobile application, SumUp Local (our “App”); and

1.1.3 services you can access or use through our App or our websites (these services, together with your Profile and our App, are our “Services”)

1.2 Please print or download and keep a copy of this document for future reference. You will also be able to see the latest version of these terms in our App.

1.3 Information about how we collect, use, and protect your data is in our Privacy Policy which also applies to your use of the Services.

1.4 To use the Services, you must be at least 18 years old and a resident of Malta.

2. Use of our Services

2.1 In order to use our Services, you must download and install our App on your smartphone or other compatible device from an official app store. You are responsible for acquiring and updating compatible hardware or devices necessary to access and use our Services and our App. We do not guarantee that our App will function on any particular hardware or devices.

2.2 Our App is only for your personal use on a mobile device you own or control, as permitted by these Terms. You may not modify, copy, publish, license, sell, or otherwise commercialise our App or any information or software associated with our App, otherwise than as part of its ordinary and intended use. You must regularly check for and, if available, update our App software. We may change our App from time to time in order to improve it. You may not rent, lease or otherwise transfer rights to our App. You may not use our App in any manner that you know or think could impair the Services in any way or interfere with any other person’s use or enjoyment of the Services.

2.3 We will not be responsible for any damage to your hardware device(s) or loss of data if it results from you downloading or using our App in a way that breaks these Terms. We may immediately end your use of our App if you use it in breach of these Terms.

2.4 We will use all reasonable means to provide our Services to you twenty-four (24) hours a day, seven days a week, all year around.  However, we may temporarily stop providing our Services (or part of them):

2.4.1 while we carry out routine maintenance on them or on systems we use to provide them, in which case we will carry out our maintenance at a time we expect is less likely to cause inconvenience to our customers and we will try to keep the inconvenience as brief as we reasonably can;

2.4.2 if and for so long as we reasonably think we have to by law; or

2.4.3 as otherwise allowed in these terms.

3. Maintaining Your Profile 

3.1 You acknowledge that you are responsible for ensuring that your Profile login details are kept secure from any other person and that there is no unauthorised use of your Profile or of any other information associated with the use of our Services. If you suspect or know your Profile has been used without authorisation, or in the event that you lose your smartphone or an unauthorised person accesses your Profile or you have other reason to suspect fraudulent activity has occurred on your Profile, you have to notify us as soon as you reasonably can at the contact details indicated below and/or change your login details via our App. We will take reasonable actions to prevent unauthorised use of your data once we receive such notification.

4. Loyalty 

4.1 SumUp provides you with the opportunity to participate in a SumUp Loyalty Program (“Loyalty Program”) supported through the App.

4.2 The Loyalty Program allows the participating SumUp Merchants (“SumUp Loyalty Merchants”) to offer you as their customer loyalty points or stamps (“Loyalty Points”) for each purchase with a SumUp Loyalty Merchant, processed through a SumUp card reader or other eligible way of payment via other SumUp branded devices or services, and allows you to redeem the Loyalty Points within the specifications of the Loyalty Program in exchange of rewards (“Rewards”), as defined by the SumUp Loyalty Merchants. 

4.3 To activate and manage the Loyalty Program through the App, you must link your card to your Profile by following the steps outlined in the App.

4.4 When you use the linked card for purchases from a SumUp Loyalty Merchant, this will create membership to the SumUp Merchant’s Loyalty Program.

4.5 Not every purchase with SumUp Loyalty Merchant entitles you to earn Loyalty Points. If a purchase is eligible for Loyalty Points, the SumUp Loyalty Merchant will inform you and disclose the number and details associated with that purchase.

4.6 You can find the current memberships to SumUp Merchant’s Loyalty Programs, allocated Loyalty Points, Rewards and the number of Loyalty Points required for redeeming the Rewards, at the Merchant's location or in the App.

4.7 To earn Loyalty Points, the purchase including the transaction must be fully completed. Purchases that are not complete will not earn points. 

4.8 The following cases, but not exclusively, entitle us either not to credit the Points and/or Rewards to you in full or in part, or to cancel/rescind them retrospectively in the event that they have already been credited:

• Technical difficulties, irrespective of in whose sphere they occur.

• SumUp Loyalty Merchant may not be able to complete the transaction, regardless of the cause.

• The return or cancellation of a purchased item or service, along with a refund (if any is due).

• A purchase has been cancelled (annulment, rescission, withdrawal, etc.) or a chargeback has occurred.

• If there is a suspicion of fraudulent activity or abuse conducted by you.

4.9 Any objections to the accuracy or completeness of the Loyalty Points balance and/or Rewards status must be submitted to the SumUp Loyalty Merchant immediately, without undue delay, and in any event within one week of receipt of the Loyalty Points and/or Rewards. The SumUp Loyalty Merchant is then obligated to escalate any discrepancies it cannot resolve with you to SumUp. Please include the relevant receipts or invoices with your objection. Failure to make a timely objection will constitute your acceptance of the Loyalty Points balance and/or Rewards status. 

4.10 Points can be redeemed to make a purchase with a SumUp Loyalty Merchant, in accordance with the SumUp Merchant’s Loyalty Program. You can only redeem Loyalty Points at that SumUp Loyalty Merchant’s participating location(s).

4.11 If a purchase is paid partially with Loyalty Points and partially without (such as with cash or credit card), you will only receive Loyalty Points for the amount not paid for by the redeemed Loyalty Points, not for the value of the entire purchase, unless otherwise stated. 

4.12 Loyalty Points are non-transferable. All redemptions are final and are not subject to cancellation initiated by you. The Points and/ or Rewards cannot be paid out and have no cash value.

4.13 You can terminate your participation in a Loyalty Program at any time through the App.

5. Receipts

5.1 We may display in your Account receipts from transactions you made with SumUp Merchants and paid using a debit or credit card, a card added to Apple Pay or Google Pay, or any other available payment method (Payment Source) that you have added to your Profile and agreed to link for receiving receipts.

5.2 If you receive a SumUp payment link generated by a SumUp Merchant, you may choose to open the payment link from within the App and complete the payment using your selected payment method. Where you complete the payment in this manner, the corresponding receipt will be displayed in your Account.

6. Bookings

6.1 In your Account you may see and cancel bookings you made through our SumUp Bookings Service available for our SumUp Merchants.

6.2 We act solely as an intermediary facilitating the connection between SumUp Merchants and end customers of our Merchants. We do not provide, own, or control any of the services offered by SumUp Merchants. 

6.3 Merchants are solely responsible for the compliance, fulfillment and completion of the services they offer.  There is no direct or indirect legal relationship between you and SumUp with respect to the services booked.

6.4 All settlements with respect to all payments/refunds/cancellations of services that SumUp Merchants are extending to you are managed directly between you and the SumUp Merchant in accordance with the terms and conditions agreed upon between you and the Merchant. SumUp bears no responsibility with regards to the commercial and legal relationship between you and SumUp Merchants. 

6.5 Any disputes or claims arising out of the services provided by SumUp Merchants must be resolved directly between you and the respective Merchant.

7. Rewards

7.1 We may display different rewards you are eligible to receive when using our App. The specific reward conditions, action needed for activation (if applicable) and validity and type of reward will be visualized in your profile in the App. 

8. Intellectual Property Rights

8.1 SumUp’s intellectual property rights (“IP Rights”) include any and all rights related directly or indirectly to the Services, the App, the website, Internet domain names, content, technology related to the Services, and logos, including, but not limited to, copyrights, moral rights, database rights, trademarks, service marks, name rights, utility models and design rights, patents, and all other exclusive and non-exclusive rights worldwide as may now exist or come into existence, are granted or transferred in.

8.2 We (or our licensors) are the exclusive owner of all IP Rights pertaining to the Services and nothing in these Terms shall be construed as transfer or concession of the IP Rights to you. You may not copy, imitate, or use the IP Rights without our prior written consent.  We grant you a personal, limited, non-exclusive, revocable, non-transferable license (without the right to sublicense) to electronically access and use the App and the Services.

8.3 Without our prior written consent, you shall not:

8.3.1 transfer any rights granted to you under these Terms to a third party;

8.3.2 provide any third party with the opportunity to use the Services (for rent, lease or otherwise);

8.3.3 access or monitor any content, material or information on any SumUp system manually or by automated means such as robots, spiders, scrapers, etc.;

8.3.4 copy, reproduce, alter, modify, create derivative works, publicly display, republish, upload, post, transmit, resell or distribute in any way content, material or information of SumUp;

8.3.5 violate the restrictions in any robot exclusion headers on the Service, work around, bypass or circumvent any of the technical limitations of the Service, use any tool to enable features or functionalities that are otherwise disabled in the Service, or decompile, disassemble or otherwise reverse engineer the Service, except to the extent that such restriction is expressly prohibited by law; or

8.3.6 use the Services for purposes different from the purpose allowed under these Terms.

8.4 You may be able to generate and submit to us content as part of using the Services (“User Content”). You shall retain all rights in your User Content, subject to the rights you grant to us by accepting these Terms. For any User Content that you submit you acknowledge that you are the content owner or that you have permission from the copyright owner to upload the content and you grant us a worldwide, non-exclusive, royalty-free, fully-paid, transferable, and sub-licensable right to use and reproduce that content in any promotional activity and public display related to the Services or SumUp. You may delete User Content submitted by you through terminating your Account. You shall not submit User Content to the Services that:

8.4.1 is false, misleading, unlawful, obscene, indecent, pornographic, defamatory, libellous, threatening, harassing, hateful, abusive, or inflammatory;

8.4.2 encourages conduct that would be considered a criminal offense or gives rise to civil liability;

8.4.3 breaches any duty towards or rights of any person or entity, including rights of publicity or privacy;

8.4.4 contains corrupted data or any other harmful, disruptive, or destructive files;

8.4.5 advertises products or services competitive with SumUp’s or its partners’ products and services; or

8.4.6 based on our own judgment prohibits any person or entity from using or enjoying the Services, or which may expose us to any harm or liability. Although we have no obligation to screen, edit, or monitor any User Content, we reserve the right to edit or delete any User Content at any time without notifying you. You acknowledge that by using the Services, you may be exposed to offensive, indecent, or objectionable User Content. We do not assume any responsibility or liability for any loss or damage to any of your User Content.

9. Suspending the Services

9.1 We may suspend use of all or part of our Services if we reasonably believe that someone may be trying to use them fraudulently or without your permission; 

9.2 If we can, we’ll tell you before the suspension (along with our reasons for the suspension). Otherwise we’ll tell you immediately after. However, we won’t tell you if doing so would break the law or compromise our reasonable security measures.

9.3 We’ll stop any suspension as soon as we can after the reason for the suspension has ended.

9.4 You can create and maintain only one Profile unless we explicitly approve the opening of additional accounts. Otherwise, we may suspend or remove additional Profiles and it is at our discretion to do so.

10. Ending these terms

10.1 These terms will continue until you or we end them.

10.2 You can end these terms, at any time and for any reason, through our App.

10.3 We can end these terms including but not limited to where:

10.3.1 we reasonably believe the Services we provide you are being used fraudulently or illegally;

10.3.2 we have to do so by law, including because it would be illegal for us to continue providing our Services to you;

10.3.3 you are not (or are no longer) eligible for our Services, as against the eligibility criteria we told you about when you were applying for our Services;

10.3.4 we reasonably think you are or may be behaving towards us in a threatening, abusive or other seriously improper way; or

10.3.5 you have seriously or repeatedly broken these terms in another way.

11. Communication

11.1 Depending on the type of Services you use, written communication and notices from us to you will be sent through our App, or through a “text” / SMS message, or by email to your specified email address.

11.2 You must check for incoming messages regularly and frequently. Messages may contain links to further communication on our website. Where legislation requires us to provide information to you on a durable medium, we will send you a notification pointing you to information on our App or website in a way that enables you to retain the information in print format. You are required to keep copies of all communications we send or make available to you.

11.3 We will communicate with you in English. Documents or communications in any other languages are for convenience only and shall not constitute an obligation on us to conduct any further communication in that language.

11.4 You can contact us by submitting a support request through the App. If you wish to contact us regarding a complaint, please see the clause titled “Complaints”.

11.5 You are responsible for obtaining the data network access necessary to use our Services. Your mobile network's data and messaging rates and fees may apply if you access or use our Services from your smartphone.

12. Changes to these terms

12.1 We can make a change to these terms for any of the following reasons (with any change being a reasonable and proportionate response to something that is affecting us or that we reasonably think will affect us):

12.1.1 Because of a change in legal or regulatory requirements;

12.1.2 If the change benefits you, for example when introducing new products or services, or improving existing ones;

12.1.3 In response to possible risks to the security of our Services

12.1.4 To respond to any other change that affects us, if it’s fair to pass on the effects of the change to you.

12.2 We may make reasonable and proportionate changes for any other reason we cannot foresee, for example to respond to changes in our industry that affect how we wish to deliver our Services to you.

12.3 We will tell you about a change to this agreement by notifying you from within our App and/or by sending an email to your primary email address registered with your Profile. You can tell us you object to the change, but this will end these terms. If you do not object to the change, we will take that as your acceptance of the change.

13. Severability

13.1 If any part of these Terms is found by a court of competent jurisdiction to be invalid, unlawful or unenforceable then such part shall be severed from the remainder of our Terms, which shall continue to be valid and enforceable to the fullest extent permitted by law.

14. Assignment

14.1 We shall be entitled to freely assign our rights and obligations under these Terms to any third party and your consent for such assignment shall be considered as granted by virtue of these Terms.

14.2 You may not transfer any of your rights or obligations under these Terms.