SumUp Pay Refer a Friend Programme Terms and Conditions

Last updated: 18th March 2025

Introduction

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’’ or “reward”). 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 and the terms of these Terms and Conditions (the “Terms”). The provider of refer a friend is SumUp Payments Limited, a limited liability company incorporated in England and Wales with its registered number 07836562 and with its registered office at 16-20 Shorts Gardens, London WC2H 9US, UK.

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.

By participating in the refer a friend programme, you confirm that you have obtained your friends’ permission to receive communications from you and us.

You are entitled to share the code with multiple persons, however, the referral code can be redeemed only 10 times. This means you can earn up to GBP 100 total for the referred friends. 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 30 days of successfully verifying their account. 

Each of you and your referred friend will receive the reward only if the following conditions are in place: i) the referred friend successfully passes the KYC verification and thus verifies their profile; and ii) the referred friend makes three valid card payments with a total minimum value of GBP 10 each. Certain transactions such as gambling and bank transfers aren't eligible. The card payments must be genuine purchases (for example, card transactions to payment providers, gambling, gift card or currency exchange service providers, and money transfers are not valid).

The referral bonus will be granted directly into the account balance and credited to both the referrer and the referred friends’ SumUp Pay accounts. Standard cashback redemption Terms apply.

Misuse and Abuse Restrictions

You and your referred friends must participate in the refer a friend programme in good faith and comply with the Promotion's intended purpose. Any misuse, abuse, or fraudulent activity, including but not limited to creating multiple accounts, self-referrals, or coordinating transactions solely to qualify for rewards, is strictly prohibited. SumUp reserves the right to withhold, revoke, or reclaim rewards and take appropriate action, including account suspension or termination if any violation is detected. SumUp’s decision on suspected misuse or abuse shall be final and binding.

Neither you nor the referred friend will be paid the reward (or may have a reward that has been previously paid reversed) if your referred friend reverses one of the eligibility requirements after taking it, including but not limited to the case a referred friend immediately closes their SumUp Pay account, cancel, or refund their card purchase.

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, and in the case of violation of these Terms, we reserve the right to take appropriate actions as we deem necessary. For instance, it would be considered a significant misuse of this Promotion and a breach of these Terms 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 and your referred friend’s account, not to pay rewards, and/or undo any rewards provided to you and your referred friend.

The refer a friend programme is governed by the law of England and Wales, with exclusive jurisdiction of the courts therein.