SumUp

SumUp sells three card readers that differ in how much they can do without a phone. The Solo Lite pairs with a smartphone and handles up to 1,000 payments per charge, while the Solo works on its own and prints receipts with an optional counter or mobile printer. The Terminal is a handheld point-of-sale device that prints receipts itself and handles up to 250 payments per charge, and SumUp gives a one-year warranty on every reader.

Tap to Pay needs no reader at all, because the free SumUp Business app turns an iPhone or an NFC-enabled Android phone into a SoftPOS terminal for contactless payments. Apple brought Tap to Pay on iPhone to Germany on 25 June 2024, and SumUp was among the first payment providers in Germany to support it. For larger amounts, usually from 50 euros, the customer enters the PIN on the merchant's phone, and SumUp sets no upper limit (in German) on a single payment.

The SumUp Kasse is a point-of-sale system with a 13.3-inch touchscreen for the merchant and an 8-inch display for the customer, launched in Germany in April 2026. Its preinstalled software is free (in German), and a paid upgrade syncs orders across several devices in a restaurant or shop. SumUp sells the system as compliant with German fiscal rules (in German) for cash registers at no extra cost. For restaurants and retail chains, Point of Sale Pro runs on iPads and adds table management, kitchen orders and the management of several stores.

For online sales, SumUp provides payment links, invoices, an online store and a hosted checkout for websites. Developers reach the same services through the SumUp API and SDKs: a Cloud API controls standalone card readers from a server, an Android SDK adds Tap to Pay to other apps, and a sandbox merchant account lets a team test an integration before it goes live.

The SumUp business account (in German) opens online in under ten minutes and comes with a free physical or virtual Mastercard. Card sales from SumUp readers and Tap to Pay reach the account the next day at 7 a.m., weekends and holidays included, while payouts to an account at another bank take one to three business days. In Germany, opening the account, transfers and direct debits cost nothing, and a Plus version adds sub-accounts, more cards and bulk transfers for larger businesses.

In December 2025, SumUp reported more than 1 billion euros in merchant deposits (in German) and 1.5 million active business account users worldwide. The same announcement counted more than 250,000 small and mid-sized businesses that had received funding through SumUp Cash Advance, the financing product of the business account.

SumUp Limited is an electronic money institution authorized by the Central Bank of Ireland, and the central bank lists it in its register under reference number C195030. SumUp Limited, with its seat in Dublin, provides the SumUp services in Germany (in German), so German merchants keep their business account with an Irish institution that holds an e-money license.

Under the E-Money Directive, an e-money institution has to keep customer funds apart from its own money. SumUp holds merchant funds in separate accounts (in German) and does not lend or invest them, but the funds are not covered by a bank deposit guarantee scheme. In the UK, SumUp Payments Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011, with register number 900700.

Germany is one of six markets where SumUp started its loyalty program and the free SumUp Local App, which SumUp announced in Berlin in April 2026 (in German). Merchants set up digital stamp cards or points in the SumUp dashboard, and customers collect rewards automatically when they pay by card, without scanning a code. The customer finds participating local shops and tracks the rewards in the Local App.

In July 2026, SumUp added a free personal account for consumers (in German) in Germany, the UK, Ireland, France, Italy and Spain. The account comes with a SumUp Mastercard and pays cashback of up to 5 percent at participating SumUp merchants. Merchants pay no transaction fee (in German) when a customer pays them with a personal SumUp card.

An entry with SumUp on a card or bank statement means that the card paid a business that takes payments through SumUp. Such entries often show Dublin, because SumUp Limited (in German), the SumUp company for merchants in Germany, has its seat there.

In Germany, SumUp charges 1.39 percent per card payment (in German) on its pay-as-you-go plan, with no monthly fee. The Payments Plus plan costs 19 euros a month or 199 euros a year and lowers the fee to 0.79 percent for consumer cards issued in the EEA, while business, premium and non-EEA cards stay at 1.39 percent and online payments cost 2.50 percent.

SumUp Limited holds an e-money license from the Central Bank of Ireland and has no banking license, so SumUp is an e-money institution. Merchant funds sit in separate accounts and stay outside a deposit guarantee scheme, which is the main legal difference from a business account at a bank.

SumUp card readers in Germany accept the girocard as well as cards from Visa and from Mastercard, American Express, Discover, Diners Club and UnionPay. Customers can also pay with Apple Pay on an iPhone or with Google Pay on an Android phone at every SumUp card terminal (in German).