Virtual Terminal & SMS Payments Now Available with SumUp!

We know how important it is for many of you to accept card not present payments. Therefore, we’re thrilled to introduce you to our two newest features: Virtual Terminal and SMS Payments. They join our contactless card reader —offering you more ways to get paid.

The Virtual Terminal gives you the possibility to accept credit card payments directly within your SumUp Account at Now, no matter where you—or your customer—are located, you can easily process their payment. Just make sure you have an internet connection and your customer’s credit card information.

To request access, subject to profile authorisation, please log in on your Personal Dashboard, go to the Support tab in the left menu and send a message to our agents.

How do I accept card payments with the Virtual Terminal?

  1. Log in to your SumUp Account at and choose “Virtual Terminal” in the menu on the left side.

  2. Type in the amount that you want to charge and your customer’s card details into the corresponding fields. Please note that entering a description is mandatory to process the payment.

  3. When you’re done, click “Continue”. Please confirm the transaction by clicking “Process payment”.

  4. All done! You can now view this transaction like any other transaction in your Sales History.

If you don’t have your customer’s credit card data, you can make use of the SMS Payments feature. In this case, a payment request is sent via SMS to your customer. You and your customer only need an internet-enabled smartphone.

How do I accept SMS Payments?

  1. Activate SMS Payments as the payment method in your menu in the SumUp App (see “Payment methods”).

  2. Enter the amount, just as you do when you’re accepting a card payment with your SumUp Card Reader.

  3. Select “SMS Payments” as your payment method and enter your customer’s mobile phone number.

  4. Your customer will receive a link via SMS. Please ask your customer to open the link, enter the credit card details, and confirm the payment. Important: please note that the payment link is only valid for 30 days and that you can’t start any further transactions as soon as you have started an SMS Payment. Only when your customer has completed the payment may you start a new transaction.

  5. Check the status of the transaction as soon as your customer has entered the card details and confirmed the payment.

  6. Done! The SMS Payment is now visible in your sales history, just like any other card transaction done with SumUp.

The fees for a card transaction using the Virtual Terminal or SMS Payments are 2.95% + €0.25. The payout takes only a few days more than standard card payments with a SumUp Card Reader.

Whether your customers want to pay in advance for a bed and breakfast, a taxi ride, or artwork, the Virtual Terminal and SMS Payments make it possible.

Please note: payments processed via Virtual Terminal or SMS Payments are subject to our terms and conditions, just like card payments with the SumUp Card Reader. You can find more information about restricted business categories here.