Need help with SumUp Pay?

SumUp Pay is an app that customers can use to pay their favourite participating SumUp merchants (using QR codes and payment links) and to send or receive money totally free of charge.

If you’re a SumUp merchant, download the SumUp app with a black SumUp logo to connect your SumUp card reader to your smart device. Download the app for iOS or Android.

Yes, there are no fees involved with using SumUp Pay. Whether that’s paying a SumUp merchant or sending and receiving money from your contacts.

SumUp is authorised as a Payment Institution by the Financial Conduct Authority (FCA). Therefore, we’re obligated to verify that you’re the individual registered with the SumUp profile for Anti Money Laundering (AML) and safety reasons.

You’ll be asked to complete the KYC process (“Know Your Customer”) if you want to transfer, request or send money to your contacts. You can’t proceed if you haven’t completed the KYC process. You’ll need to enter your personal details (name, date of birth and residential address).

In most cases, we’ll be able to verify your profile without the need for an identity document. In some cases, however, we might need to ask for an identity document in order to verify your profile (e.g. your passport, national ID card or driver’s licence).

• The ID provided must be valid and not expired. It must also display a clear photo of you.

• The name registered on your SumUp Pay profile must match the name on your ID.

• The images uploaded must be clear, of good quality and show the whole document.

As SumUp Pay is offering a financial service, we need to provide a safe environment for your personal finances. That’s why we offer multi-factor authentication (MFA), in order to enhance security. Should you attempt to log in to your profile from a new device, you’ll be asked to verify this attempt using your device security and a confirmation email.

You can set up your multi-factor authentication (MFA) in the SumUp Pay profile settings. You'll have to use your device's security and confirm that you want to set up multi-factor authentication using an email.

There are a couple of ways you can top up your SumUp Pay Wallet balance. If you’ve already linked a card to your profile, you can use it to top up your balance inside the app.

If you want to top up your balance using your bank account, you can do so with a bank transfer. Your SumUp Pay transfer details include a sort code and account number that allow you to transfer money directly to your balance. You can withdraw funds back to your bank account at any time.

Yes. There's a daily, weekly and monthly limit on how much money you can add to your Wallet in a given time. 

• You can top up a maximum of £100 a day (24-hour window)

• You can top up a maximum of £500 a week (7 days rolling)

• You can top up a maximum of £2000 a month (30 days rolling)

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.

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. You can also make payments to your contacts, whether that’s friends or merchants, using the peer-to-peer payment function.

To pay at any merchant, you can create your own virtual SumUp Pay Mastercard which can be used with Apple Pay or Google Pay to make contactless payments.

It’s easy. 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.

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 daily, weekly and monthly limit on how much money you can send in a given time. 

• You can send a maximum of £100 a day (24-hour window)

• You can send a maximum of £500 a week (7 days rolling)

• You can send a maximum of £1000 a month (30 days rolling)

Yes. There's a daily, weekly and monthly limit on how much money you can request and receive in a given time. 

• You can receive a maximum of £100 a day (24-hour window)

• You can receive a maximum of £500 a week (7 days rolling)

• You can receive a maximum of £1000 a month (30 days rolling)