Earn cashback worldwide

Spend worldwide with no fees

Spending abroad with SumUp Pay is simple. There are no hidden fees or extra charges, so you can travel trouble-free knowing you’re in control of your euros.

Cashback goes global

Every euro you spend earns you cashback. Cash in on cashback when you pay for your poolside piña colada, breakfast baguette, or an extra bottle of SPF.

It only takes 5 minutes to open a SumUp Pay account

Download the SumUp Pay app on iOS or Android to start spending and earning cashback straight away.

Sign up for free →

Your questions, answered.

What is SumUp Pay?

SumUp Pay is an account that allows you to pay online and in-store with a virtual Mastercard, and earn cashback on every purchase. SumUp EU Payments UAB holds an e-money licence and is authorised and supervised by the Bank of Lithuania.

Who can open a SumUp Pay account?

To open a SumUp Pay account, you need to:

  • Be at least 18 years old

  • Be present in Germany to open your account

  • Have your permanent residence in Germany

  • Own a smartphone supporting our app (iOS 15 or above and Android 6 or above operating system)

  • Have a European mobile phone number

How do I open a SumUp Pay account?

It’s easy to open a SumUp Pay account. Download the SumUp Pay app on your mobile phone on either iOS or Android. Follow the on-screen sign up instructions and you’re ready to start spending, sending and earning.

Is my money safe with SumUp Pay?

Yes. With SumUp Pay, your money is protected. As an e-money institution, we are obliged to safeguard your money as per the Directive (EU) 2015/2366 (PSD2).

How do I pay with SumUp Pay?

To pay with SumUp Pay, you need to add money to your SumUp Pay wallet. When you make a payment, the money will be deducted directly from your balance.

What is cashback?

Cashback is a loyalty programme that lets you earn a percentage of your money back when you make purchases. You'll earn 1% cashback when you spend with SumUp Pay, excluding gambling transactions, crypto purchases, or topping up a wallet you have with another provider.

How does the cashback programme work?

When you spend with SumUp Pay, you receive 1% cashback on every purchase, in-store or online. 

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 redeem your cashback when you pay with the app or SumUp Pay card.

How will I receive my cashback?

The cashback is credited to you after the purchase and is deposited into a cashback pot. To spend the cashback, transfer it to your balance.

Is there a limit to how much cashback I can earn?

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

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