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 Mastercard. 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.

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.

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.

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, or wallet balance to pay Payment Links through the app.

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.

SumUp Payments Limited, a company with limited liability incorporated in England and Wales with its registered number 07836562 and with its registered office at 32 - 34 Great Marlborough St, London W1F 7JB, UK, is the provider of the SumUp Pay Cashback Programme. SumUp Payments Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011.

It’s easy. Just download SumUp Pay, complete the signup process, follow any other applicable instructions and that’s it.

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 have to provide all of the required details and accept our Personal Service Terms and Conditions and Privacy Policy. You’ll also have to complete the KYC (Know Your Customer) process by providing your personal information alongside a valid identification document if requested.

Once your identification is approved and your profile is verified, you’re eligible for the SumUp Pay Cashback Programme and ready to start collecting and redeeming cashback.

Please note that the SumUp Pay Cashback Programme is only available for UK residents over 18 years old.

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 pot 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.

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

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 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.

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’’). 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. The provider of refer a friend is SumUp Payments Limited, a company with limited liability incorporated in England and Wales with its registered number 07836562 and with its registered office at 16-20 Shorts Gardens, London WC2H 9US, UK for the United Kingdom.

• 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.

Each user is entitled to share the code with multiple persons, however, the referral code can be redeemed only 5 times. This means you can earn up to 100 GBP 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.

The referrer will receive this incentive only if the referred friend successfully verifies their profile and makes three card payments with a total minimum value of £10 – certain transactions such as gambling and bank transfers aren't eligible.

The referred friend will also be rewarded with £20 upon successful KYC verification and after making three card payments with a total minimum value of £10 – certain transactions such as gambling and bank transfers aren't eligible.

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.

• 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, we reserve the right to take appropriate actions as we deem necessary. For instance, it would be considered a significant misuse of this Promotion 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 account and undo any rewards provided.

The refer a friend program is governed by UK law.

You can read the terms and conditions for the SumUp Pay promotion here.

To add a promo code, open your SumUp Pay app, tap the button in the top right corner, and then tap 'Enter a code’.