SumUp Review

Overall Rating Breakdown
Sales & Marketing Tactics
Costs & Contract Terms
Complaints & Service

SumUp Overall Rating

"A" Credit Card Processor Rating

Last Updated: January 31, 2014
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SumUp Overview

SumUp Logo

SumUp Logo

SumUp ( is European mobile credit card processing application for iPhone and Android users that launched in mid-2012. The service is similar to its U.S. predecessors like Square and GoPayment, and includes a card reader for £19.95, a phone app, account setup, and a flat processing fee of 1.95% for all card types and transactions with no additional fees. Currently, SumUp is available in Ireland, the United Kingdom, Germany, Russia, Italy, Spain, Portugal, France, Brazil, the Netherlands, and Austria, but appears be planning a wider expansion across Europe. The company hopes to compete with mPowa and iZettle, two other similar services that entered the European market earlier in the year.

SumUp Sales & Marketing Tactics | A+

SumUp appears to primarily market its services through its website and traditional advertising. The company’s website advertises very simple pricing of 1.95% on all transactions, and this rate does not appear to be contested by merchants. We were able to locate one SumUp review in which the merchant felt they had been misled as to what kind of card reader they would receive, but this appears to have been a shipping error rather than false advertisement. The company does not seem to engage in deceptive advertising strategies in its official materials.

SumUp Costs & Contract Terms | A

SumUp appears to offer a very transparent pricing model of 1.95% on all transactions in addition to £19.95 up front for the card reader. The company’s terms and conditions state that merchants may cancel service at any time, and they also outline the company’s cash reserve policy. Under this policy, the company may withhold portions of payments in order to establish a reserve account as a fraud prevention measure. This policy is similar to those used by other mobile/smartphone processors and does not appear to be a major source of merchant complaints. Generally speaking, the company’s contract terms do not appear to frustrate its merchants.

SumUp Complaints & Service | A

We are currently able to locate a total of six SumUp complaints, none of which allege that the company is a ripoff or a scam. Common issues for merchants include the app’s complicated process for swiping Visa cards (a protocol imposed by Visa Europe) and withholding/late delivery of funds. A SumUp representative has responded to most of these complaints by stating that company is working to improve its lengthy Visa payment process, which requires customers to receive a text message and then click a hyperlink in the message to enter their payment information. Additionally, the complaints about late payment or withholding of funds appear to be either related to confusion about the company’s cash reserve policy or simply the product of isolated billing mishaps. Much like Square, SumUp primarily offers customer support via email and social networks, which could cause problems for some merchants. In general, though, SumUp does not appear to be plagued by the issues with customer service that trouble some of its competitors. If you have any experience with SumUp’s customer support and risk policies, please leave it in the comment section below.

SumUp BBB Report | N/A

SumUp is based in the UK and is therefore not subject to review by the BBB. We will not factor a BBB rating into this review.

Bottom Line

According to all available information, SumUp rates as a worthy alternative to its mobile payment app competitors in Europe and the US. The company is showing very few complaints at this time and appears to offer fairly transparent, affordable contract terms. The major drawbacks of SumUp at this time appear to be its card reader and its Visa payment process. The SumUp app is still fairly new, and its overall rating is therefore subject to change as its use spreads.

Leave your review of SumUp in the comment section below:

SumUp Review

Rated 4.66666666667 Out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2014-01-31 11:21:42

UPDATED: Jan 31, 2014 – We are currently able to locate a total of six SumUp complaints, none of which allege that the company is a ripoff or a scam… According to all available information, SumUp rates as a worthy alternative to its mobile payment app competitors in Europe and the US… Learn more in this SumUp review.

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About the author

Phillip Parker

Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded to help merchants enact positive change in the credit card processing industry.

Phillip can help you find an ethical and honest processor that will offer you great rates. Click here to request a free provider consultation.

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  1. Nick

    The verification process is ridiculously long winded and they do not understand UK business law.
    They are based in Germany and are very German centric.
    They have £500 of our that they let us take and are now threatening to never allow us access to this money.
    I think they may be a scam where they make their money from merchants who get sick of jumping through their hoops and give up.
    They never return calls and just keep asking for further documentation. Some of which does not exist in the UK.

    SCAM or just not very good I’m not sure but they have £500 of ours and we need the money.

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