SumUp Overview

Mobile EMV and NFC Payment Processing

SumUp is not a traditional merchant account, instead, it serves as a mobile processing app for iPhone and Android users based in either the US, UK, or EU.  The service is similar to its US predecessor Square. It includes a proprietary EMV-compatible card reader for £29.00/€39.00/ $69, a phone app, an account setup, and a flat processing fee of 1.69% or UK/EU merchants and 2.65% for US merchants for all card types and transactions with no additional fees. In October of 2018, the company introduced a 3G powered card reader allowing merchants to complete wireless transactions without wi-fi or Bluetooth. Merchants will not incur any data costs while using this reader.

SumUp Merger and Expansion

In April 2016, SumUp merged with Payleven, but the newly formed entity retained the SumUp brand. Currently, SumUp is available in Austria, Belgium, Brazil, Bulgaria, Chile, Cyprus, Czech Republic, Denmark, Estonia, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, and the United States of America. For the purposes of this review, SumUp will be considered a UK company, but we will include both U.S. and UK pricing information. In February of 2019, the company announced its acquisition of the e-commerce company Shoplo in an effort to expand the company’s e-commerce offerings for merchants.

SumUp Location and Ownership

SumUp can be seen as a direct competitor to iZettle, another similar service that entered the European market around the same time as SumUp. SumUp is headquartered at 32-34 Great Marlborough St, Soho, London W1F 7JD, UK and a US-based office at 1209 Orange Street Wilmington, DE. SumUp is a registered Payment Facilitator of Fifth Third Bank, an Ohio Corporation. Daniel Klein is listed as the CEO of SumUp.

SumUp Review Table of Contents

  • Costs & Contract: SumUp offers a month-to-month agreement with a fixed per-transaction fee and a one-time cost to purchase a card reader.
  • Complaints & Service: SumUp has received more than 100 public complaints.
  • BBB Rating: SumUp has an “A+” rating with the Better Business Bureau and has received 4 complaints and 1 review in the last 3 years.
  • Sales & Marketing: SumUp does not appear to hire independent sales representatives and has not received any major complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With SumUp
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Products & Services Offered

  • Debit and credit card processing
  • Secure Bluetooth-enabled EMV PIN pad
  • Online dashboard
  • Virtual terminal
  • Transaction history
  • Electronic receipts

Types of Businesses Served

  • Retail
  • Mobile

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SumUp Rates, Fees, and Costs

Key Points

Swipe Rate 1.69% UK (2.65% U.S.)
Keyed-in Rate 2.95% + £0.25 ($0.15)
Early Termination Fee $0.00
PCI Compliance Fee $0.00
Equipment Cost £19 + VAT

Simple, Predictable Rates

SumUp appears to offer a very transparent pricing model of 1.69% for all chip-and-PIN transactions (2.65% U.S.), 2.95% plus £0.25 ($0.15) for all virtual terminal and SMS transactions, and an upfront cost of $69 ($19 + 20% VAT and shipping) for its Bluetooth-compatible card reader protected under a 30-day money back guarantee. 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.

SumUp Fund Withholding Policy

Some merchants have expressed frustration that SumUp does not make it clear that its default reader cannot accept payments over the phone or accept certain currencies from outside a SumUp merchant’s country. A growing number of complainants also express frustration with sudden account cancellation and fund holds, which is similar to the feedback Square has received. In SumUp’s case, however, these complaints are far less common, and some appear to be authentic violations. Merchants are encouraged to review the company’s prohibited business types, which are outlined on its website. They should also follow the same rules with SumUp that they would follow to avoid Square fund holds.

Solid Pricing but Some Growing Pains

Generally speaking, the company’s contract terms are competitive with other mobile processors, and in some cases SumUp may even compete with the cheapest merchant accounts. However, the service is not a perfect fit for all business types, and merchants should be sure that their needs fall within SumUp’s capabilities.

Are you happy with your SumUp fees? Tell us about them before your go!

Response from SumUp

Are you a representative of SumUp? Add your voice to this section for free!

SumUp Complaints & Customer Reviews

Key Points

Total Online Complaints 100+
Live Customer Support Yes
Most Common Complaint Account Suspension

Rising Complaint Total

We are currently able to locate more than 100 SumUp complaints, some of which allege that the company is a ripoff or a scam. Common issues for merchants include poor customer support, confusing pricing and promotions, device malfunctions, and withholding or late delivery of funds. The complaints about late payment or withholding of funds have increased since our last update, which suggests that SumUp is beginning to encounter the difficulties faced by other mobile merchant account aggregators.

SumUp Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against SumUp. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

SumUp Customer Support Options

Much like Square and Stripe, SumUp primarily offers customer support via email, an online help center, and live chat, which appears to have caused problems for some merchants. Unlike its main competitors, though, SumUp maintains a direct customer support phone number during business hours. This support channel has received mixed reviews from merchants, but its mere existence places the company slightly ahead of mobile payment processors that offer no phone support at all. SumUp still falls short of the standard we expect from top merchant accounts for great customer service, but it is outperforming its peers thus far.

Do you have a complaint or testimonial about SumUp? Make your voice heard before you go!

Response from SumUp

Are you a representative of SumUp? Add your voice to this section for free!

SumUp BBB Rating Summary

Key Points - BBB

Product & Service Complaints 3
Billing & Collection Complaints 1
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Under 5 Complaints

The Better Business Bureau currently maintains a profile for SumUp’s US operations. This profile does not cover the company as a whole and is not representative of SumUp’s overall level of service rather focusing on its American market. At this time, the BBB assigns SumUp an “A+” rating though it has not granted BBB accreditation to the company. SumUp has received 4 complaints on its BBB profile in the last 36 months. 3 complaints concern problems with a product or service and 1 addresses a billing or collection problem. All 4 complaints have been answered by the company but have yet to receive a final response from the merchant.

What Merchants Say

In addition to those 4 complaints, SumUp has also received 1 informal review on its BBB profile. The lone review is negative and was left by a merchant who had their account canceled due to the perceived high-risk of their  business:

SumUp decided that my business (holistic healing) was not supportable despite my business not being in their restricted business list. There was no opportunity to appeal. Plenty of other merchants have no problem with this business model so it’s super surprising that they decided not to allow me to use their services. The email and the support person lacked useful details basically saying that i KNEW i was violating the terms i agreed to but then also that they reserve the right to not do business with me. As mentioned, my business is not listed on their restricted business. Disappointing customer support experience and still waiting for my return label to get a refund for their reader,

High risk merchants face a unique set of challenges in acquiring a merchant account. Fortunately, there are plenty of merchant accounts that are specific to high risk industries

An “A” Performance

We agree with the BBB’s rating at this time, but merchants should be aware of the recent rise of negative reviews against the company.

How has SumUp treated you? Tell us about it here!

Response from SumUp

Are you a representative of SumUp? Add your voice to this section for free!

Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms Yes

Internal Sales Team

SumUp appears to primarily market its services through its website and through traditional advertising. The company’s website advertises simple, fixed-rate pricing 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.

Different Pricing for Different Markets

Some complaints mention confusion about the service’s availability in certain countries as well as the way its pricing varies depending on the country of the user. These are minor concerns that don’t indicate any deception on the part of SumUp. Overall, the company does not seem to engage in deceptive advertising strategies in its official materials. If you feel you have been tricked by SumUp, however, you could benefit from a third-party statement audit.

Did you get what you expected from SumUp? Tell us why, or why not.

Response from SumUp

Are you a representative of SumUp? Add your voice to this section for free!

SumUp Marketing Example

SumUp Logo

Our Opinion of SumUp

A Solid Mobile Payment Option Outside the U.S.

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 a relatively low number of complaints at this time and appears to offer transparent, affordable contract terms. The major drawback of SumUp at this time appears to be its risk mitigation policies, but its phone support line helps to keep this issue under control. The SumUp app is still expanding into new territories, and its overall rating is therefore subject to change as its use spreads. If you are based in the U.S., we recommend seeking a top U.S.-based mobile payment processor rather than one based overseas at this time.

We rely on your feedback about SumUp to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

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61 Reviews Leave Your Review for SumUp Below

  1. Steve Kanaga says:

    Business Owner Beware of this company! They will close your account and cease your money for no reason. And will then tell you that they do not have to provide you with any information as to why this took and that your hard-earned money has been credited back to your card holders AFTER you have provided your goods and services. And will then proceed to tell you that their decision is final and that there is no appeal process. Your money has been illegally ceased! Think about changing to a more reputable credit card processing company before this happens to you.

    Important: Your SumUp Account
    Receipts x

    SumUp Security US
    Feb 28, 2020, 10:29 AM (1 day ago) Reply

    to me

    Dear Steve,

    After a full review of your account, we are sorry to inform you that we won’t be able to provide you with our services.

    Unfortunately, we are unable to process the pay out of any outstanding transactions. Therefore any remaining balance has therefore already been refunded to the cardholder.

    This closure is in keeping with Term 15 of our Terms and Conditions, which can be found here: https://sumup.com/terms. Due to the rules and regulations of our financial industry partners, we are unable to disclose any additional or detailed information as to why a specific account is closed. Because of this, our decision is final and there is no appeal process.

    Kind Regards,
    SumUp Security Team US

  2. We started using SumUp around 6 weeks ago and found it very easy to use.There were no issues with any payments then we had a client who paid a larger stage payment amount.Although the money left his account it was not transferred to ours.We had to ask the client to sign various paperwork and this as required was emailed to SumUp.Although we were promised a phone call this hasn’t happened and after 4 attempts at ringing SumUp as yet nobody has actually answered the phone !
    We have also sent various Emails asking when the funds will be transferred and simply get the same response that some you will contact us.The transaction was completed 5 days ago and the extra required documents were sent 2 days ago and because we are a small business this is really effecting our cash flow .

    1. Brian Clark says:

      Mike,

      This article may help you get your funds released.

      -Phillip

  3. Renz says:

    Made a few small transactions then a larger one that was and still is, marked successful on the mobile app. On this strength, we ordered goods for the customer.
    A day later we received an email with a long list of requirements in order to receive our money including a signed declaration from our customer and a signed invoice. This done and to date we have not even had a response.

  4. Impalor says:

    I was a customer of SumUp’s client, a bike rental shop in Spain. I was due a refund of a security deposit of 100 EUR on 9/11/2019. I got their sms with link that the refund was made. But the money never returned to my card. SumUp took 100 EUR from the shop, and then again 114 of the original transaction after my bank started a complaint. They stole 114 EUR from the bike rental shop and 100 EUR from me.

  5. John says:

    For some reason, I had to return the card-reader.
    I returned the card-reader as instructed by SumUp.
    The delivery was successful, and SumUp customer service team were corresponding well until the stage when the refund should be made.
    Give me back the money please, is my review at the moment.

  6. Jan says:

    I am a small retail merchant and after using SumUp for just 1 month my account was suddenly terminated, with no explanation! Buyer beware: it is in their bylaws that they can refuse service at their discretion, without notice and without recourse. I was concerned that my account may have been hacked and asked to know what they were concerned about, but they were completely unhelpful and gave me no information. I find this to be outrageous and insulting, and would recommend not doing business with this company.

  7. PD says:

    FRAUD! I bought a POS on October 30th and also made an account. Billing email never came, also no POS and they have never activated my account. Since then I have sent 3 emails and no one has responded. I have requested a refund and also tried to contact via messenger without any response. I do not recommend to anyone this company.

  8. Ahmad says:

    Unfortunately delays of the fund
    While there is not a zero percent issue
    From the costumer.
    Sumup hold a large payment for over
    9 days with any answer to the lots of emails.
    It caused a great concern about the company
    Reputation for such an action???

  9. Jordan Brown says:

    This is the worst experience I have ever had in my entire life with the customer service reps on the phone that claims to be supervisors they close your account via section 15 and will not tell you or give any information on why they are extremely rude they are extremely disrespectful and I refuse to represent sumup


    This post will help: Best Payment Processors for Great Customer Service

    -Phillip

  10. David Brason says:

    New Business Startup.

    Started taking cards with SumUp. The 1st payments were then subjected to queries, but paid over after submitting the requested documentation.

    Carried on taking payments, but did not notice that they had NOT been passed to the bank.

    Then get short email stating that they were relying on their terms and conditions, particularly term 15, which gives them the right to do just about anything.

    Whilst I accept that they have terms one would have thought that ‘reasonable’ notice would have been required, not a curt emails stating we will either hold these payments for 6 months or return them, YOUR choice!

    Ended with Thanks for usiing SumUp a better way to get paid! Talk about salt in the wound……

    My advice avoid at all costs!


    This post will help: Best Merchant Accounts for New Businesses

    -Phillip

  11. M Awais says:

    Recently ordered sumup terminal so i can start taking card payments for business services i am providing since 2015 under same company name.

    After ordering terminal and making account on their website, i received email from security team to ask few questions like what is nature of my business? What kind of products i sell? etc.

    “Which i answered helping and explained nature of my business providing gas and boiler services. I do not sell any products.”

    Security team did not ask any proof of business not even company registration number in their email.

    Later that evening i could not login in to sumup account and when i rang i was told over the phone i could not give proof of my business so they have closed the account but they never asked any proof.

    So my wild guess is they closed my account because i do not sell products which mean less transactions and less commission for sumup.

    Very poor customer service. They should have asked all the business details upfront before even you can order their card terminal.


    This post will help: Why Your Merchant Account Application Was Denied

    -Phillip

  12. Maja says:

    Worst service provided ever ! They have closed my account without giving any notice that they will do it . 2 days before they closed it was talking to one of their customer support representatives and was told that the SumUp account has no time limit .


    This post will help: Best UK Mobile Payment Processing Apps

    -Phillip

  13. Pat Apps says:

    I bought goods at the Ideal Home Exhibition in London. Vendors were using SumUp. One purchase was for £70.00 but the card reader did not ask me to enter my PIN number. The payment went straight through. Nothing bad happened but if my card had been stolen and the thief used it for purchases above the contact limit then I could have potentially lost a lot of money.
    Is this supposed to happen with SumUp?


    This post will help: Best UK Mobile Payment Apps

    -Phillip

  14. Zoe says:

    Terrible service, without any explanation, they canceled our account even though we had been in communication with them for many weeks prior to our upcoming market. Now left with 2 days before our market, we do not have an account even though they send us a card-reader etc. they just decided to cancel it without further explanation. Hugely disappointing! I don’t recommend using them.

    From The Editor
    This Post Might Help: Best UK Mobile Credit Card Processors

  15. Disgraceful company, accepted a £5000 final payment for a kitchen design & refit but sumup refused to put the money into my account after 8days of emails and phone calls they said they will refund my customer the £5000, obviously they keep the interest, now I have to wait for my customer to get there money back before they pay it to me, I am a one man band company and this could bankrupt me, I would advise staying away from Sumup they are an absolute disgrace and should be shut down, I and my customer are putting an official complaint into the Financial Ombudsman


    From The Editor
    This Post Might Help: Best UK Mobile Card Processing Apps

  16. Ashleigh Pow says:

    Rubbish wouldn’t like me take large payments e an tho it was 4 my business so they closed my account don’t use them


    From The Editor
    This Post Might Help: Best UK Mobile Credit Card Processing Apps

  17. clint says:

    They apparently offer a VIRTUAL TERMINAL but good luck ever trying to get it approved on your account!

    you must REQUEST IT, otherwise it does not show up on your account at all.

    I asked about it in early Jan of 2018, they replied with steps on how to request the virtual terminal to be activated. however the steps they provided were 100% wrong. For example they told me to go to a certain part of my account and submit some info, none of which was actually on my account. Literally the section they said to submit the info to request the virtual terminal did not exist lol.

    so then i wrote customer support and informed them that the info they provided was wrong. and i heard nothing from them for 5 days. then i submitted another ticket asking why it was taking so long to respond, and what could i do to get the virtual terminal to be activated…

    I finally got a reply saying i never requested the virtual terminal to be activated.

    so on my second attempt (after they were ‘REALLY’ requested) I sent them all kinds of personal information and…. DECLINED. We’ve had a business for close to 30 years, so there should be no problems. So I was understandable vexed, but customer support said to try back in a few months.

    And so a few days ago, after using this terrible company for close to 4 months, I tried again. Guess what? Declined! But I was also given a link to their massive TOS and told i didn’t meet something in it. WHAT? they NEVER SAID. I tried to read through it, but honestly that thing is MASSIVE and I’m done with this company.

    Also, on a side note, their apple app is straight up garbage. I don’t think when these reviews are made that the apps get tested or are part of the review process.

    Anyway, I am done with this amateur company

  18. Xiaoxia LIn says:

    NEVER use Sumup. They defraud small businesses and you have no power to fight them, because their Terms & Conditions are written to give them total power to exploit you. Check other reviews and you’ll see we are the norm and not the exception.

    Read their terms and conditions here https://sumup.ie/terms.” – In Term 15, it said: “We may at any time suspend or terminate and close your Account for any or No REASON at ANY TIME”. What they don’t tell you is that they will wait until there is at least €2,000 in your account first before they suspend you. AND “following the effective termination of your Account you shall immediately pay SumUp all amounts owed by you under these Terms and we shall equally pay you all amounts owed by us under these Terms. Notwithstanding the aforementioned provision, we are entitled to withhold the Reserve until the Account is finally settled, including any potential Chargebacks, but in any case not exceeding thirteen (13) months after effective termination. Translated : this means they will withhold YOUR money for between 6 -13 MONTHS and that’s exactly what they did to us.

    Here’s my story, and you can find hundreds like me. We are a new, small Irish-based business that sells paintings – we just launched after investing substantial to purchase the paintings up front ie. cash is critical to us. Sumup approved our application, sold us the card reader, processed the €1 test transactions and sent us the money within 24 hours as we selected daily settlement . Over the space of a week we made sales totally €2,200. As no payments appeared in our account, we contacted Sumup multiple times and were told *everything is fine – keep using the card reader – the payment will appear shortly”. Then, disaster – we have been rejected as our business model does not meet their Terms & Conditions and we need to stop using the card reader. Massive inconvenience as we obviously don’t have a backup solution. Now here is the unbelievable piece. Not only have they completely failed us as a supplier, but they refuse to give us OUR money for 6 months. I verified with them and they admitted that every single one of our card transactions were fully and successfully processed. This in my language is FRAUD. Where a large company bullies a startup is the worst form of malpractice. No doubt they will post a reply to this – but read around and you’ll see this is common practice for them. Do not use Sumup.

    My next stop is to bring this to the UK Financial Regulator – I will do my utmost to have their banking license reconsidered so that they can’t passport it across Europe committing this fraud.

    1. Jamie says:

      Can I ask you what has happened since this? They have done exactly the same to me. I have provided them with everything they have asked for, numerous times and they still say that they will send my money in 6 months time or return it to the customer.

      This I feel is fraud and I don’t understand how they can do this to small businesses trying to make a living.

  19. peter horton says:

    i placed an order ,
    they took my money wheres my machine .
    how do i speak to some one ????????

  20. Lots of marketing on Facebook so I have them a try. I work in communications and sometimes they decline this sector. I emailed them and was told it was ok they’d take my business.
    As the Facebook advert said start taking payments instantly, and to be honest that’s direct. As a regulated market they hide beside this all the time and they do stretch the truth. I have 23 recorded calls of information that was not correct.

    They ask for ID and I provided. Bank statement, invoice , core business. They wanted to know why I didn’t have a Facebook page. My business would generate no ROI via Facebook.

    Then the conversations got more heated and I emailed Gareth Walsh a director, sure he’ll never read it but I will get it served on him.

    For quick cash flow stay away from this company. I have today closed my account and 1 Out of 23 staff actually did what he said he would do so thank you Devlin.

    I’ve created a twitter page summedup1 please feel free to leave any comments. Face book page up next few weeks with the operators lying on the calls .

    They have a ok rating but we make our own judgements.
    Mine is clearly you are in acquisition mode and doing well but your back office can’t deal with it so they tell lies.

    Great they are regulated as I will be complaining to the Financial,ombudsman.

    1. clint says:

      I’d watch out, they can cancel your account at any time for whatever reason. Or no reason. I was using them for 4 months, and requested they enable their virtual terminal. I was a perfect customer throughout that time, then WHAM they sent me a generic message about completely cancelling my account

  21. If you want to their “virtual terminal” which means being able to take payments over the phone, then forget about! They refused me because they say i’m not a trusted business! This is one of the main reasons i chose sumup since this is what they advertise. Well sum this up……..BYE!

  22. James says:

    Do not use this company. We purchased this product from a well known beauty suppliers. We opened the box only to find it was empty, so we returned it. We then purchased the product directly from sumup. On the surface the product looks great. We opened the online account and the product looked very easy to use. Then a week later we received an email from sumup explaining that we were on there excluded business model companies. WE ARE NOT and considering we originally purchached this product from a beauty wholesalers and we run a beauty business we found this very strange. The customer service team were absolutely useless. They can not give you any infomation as to why your account is canceled. They explained to me that the security team can cancel accounts when they want to and dont have to give a reason. It was explained to me that this team do not have phones and they cant be contacted. REALLY! Oh and this is a perfectly acceptable way to treat your customers as its in the terms and conditions. I cant review the product its self as we never got to use it. Stay well clear of these guys.

  23. MICHAEL RODEN says:

    Absolute appalling customer service, and very very stupid. Closed my account without notice and for no reason. Customer service was rude and curt, worse than a robot. No reason to close my account, DISGUSTING!

  24. Disgusted, I bought a Payleven reader when i opened my Business almost 3 years ago and on the whole have been really quite happy with it. Then a couple of months ago the account was changed to Sumup, everything has changed the app the account etc etc etc except how much I pay for the service, if I continue to use my Payleven reader I continue to pay 2.75% on my transactions instead of the 1.95% that Sumup advertises as its processing rate. In order to get the 1.95% rate I now have to buy another machine that is not needed. So Sumup if you are going to take my account and not give my company the same rate as others whose Accounts you hold or offer me a huge Discount on your reader, Then i am not going to give you My Business BYE BYE

  25. Eric says:

    The pricing is really confusing. On the US page it says special offer, get the reader for FREE, order for $69 and get this amount in credits. On the Swiss-German page it says get it for free until June 30 but there when going to order nothing further is mentioned about the discount. No vocher name is provided. This way I have no confidence that the promise is actually kept :-(

  26. Helena says:

    I have been with Payleven for a while and perfectly happy with their product. Their customer service desk was easy to contact and very efficient and competent.
    They have now seemed to have become SumUp, I have to use their app instead with no contact number on the site! But the most annoying thing and most noticeable is that ordinary Visa payments taken on, say, Friday, for which I would have received an email Monday and payment by Wednesday are now two days later?? I’ve queried this and was told that it was still within
    the 4-7 day time slot and that there
    must have been something wrong
    with the customer account etc….
    None of this bodes well and I’m thinking about finding a new provider.
    I’ve tried calling my old Payleven customer care number today, which I can still use and which would have connected me within a couple of minutes until the switch over. I gave up after eight. Very sad.

  27. Charmaine says:

    I was very disappointed with Sumup but stuck it out for 6 months before changing to iZettle. I wish I had done it months ago because the losses due to faulty terminals (5 in 6 months) and a system that needed constant battery changes (3-4 times a week). I lost a ton of business.

  28. Learner2Advanced says:

    I bought the Pin+ machine in May this year (2016) and I am VERY satisfied so far. I don’t have large volume card sales (driving instructor) but thought it would be convenient for my customers. I only take payment in GBP and don’t need advance payments (customer/card not present). The payment process is simple and payments appear in my account usually within a week. The 1.95% fee is more than acceptable. The review and accounting options available from the web site are more than sufficient for me. E-mails from SumUp detailing weekly/monthly payments and invoices (charges) are regular and detailed.
    I recently had a problem where the card unit became blocked (I was changing batteries!). A phone call to support had a new unit on its way to me and a (free) return postage slip was e-mailed to me to return the blocked unit.
    Experience so far? Excellent.
    Go for it. Can’t fault it.
    Telephone support number is 020 3510 0160

  29. Brendan Docherty says:

    Beware the marketing for Sum-Up which suggests that their service allows you to take payments in many other countries. We ordered their system in the belief that we could accept payments in UK, and with just a simple phone call, also in France. Reality, we now discover, is that we can only accept payments in GBP, not Euros. What customer is going to accept that happening in France? Complaints to Sum-Up now being ignored about their misleading marketing. You have been warned!

  30. Mf says:

    Unreliable product, terrible customer support. Avoid at all costs!

  31. kev says:

    this company is a disgrace.they took payment on item i sold next email i got was to send my passport and the registration of my business and the nature of my business what i do..which i gave all information they need..one day later i got another email to send a copy of the receipt i gave the customer..i did..a day later again.i got another email to give the name and the phone number of the customer..i did…a day later i got email that my account with sumup is close and they have refund the customer..due to irregularities in the transaction.with no reason giving to me.when i even contacted the customer he told that sumup contacted him to ask if he has purchase or use the card in my shop..he said he told them yes no cause to worry..the customer did not ask for refund..sumup choose to refund the money because the guy name was on the receipt and not is wife.when both of them was at the shop during the purchase(HAVE CCTV PROOF)..i ask which name and telephone number you want on the receipt..the husband said put mine…like what every other man will do..no MAN want is wife to be bother by some shop.on a short note.SUMUP have refunded €1250 to a customer that i don’t no there were about…PLEASE AVOID THIS COMPANY OR ASK A LOT QUESTION BEFORE JOINING THEM…am now taking legal action against them..I EVEN SEND THEM PICTURE OF FRONT AND INSID THE SHOP..when i ask why they did not contact all other transaction that i have been carrying in the shop no answer from them anymore..TRUST ME THEY WILL ANSWER TO THE LAW,

  32. Colette says:

    Got a card reader and didn’t know it didn’t accept over the phone payments..sent them many emails
    And as they don’t have a contact number there no one to answer too…I would say to anyone steer clear of this company…If anything goes wrong theres no one to on the other side of the phone or email.
    I have sent my machine back to them and am awaiting a refund..but will have to go the legal route as they only want your money and that’s it..no back up what so ever..Their a disgrace to call them selves a co.


    Are you with SumUp? Learn how to resolve this complaint.

  33. Ravin Mehta says:

    Hi everybody please avoid Sumup like the plague this company has no concept of customer service ordered a machine still not received three weeks after after numerous emails they said the order was cancelled I sent a screenshot of the payment I have lost over €800 as I was unable to take card payments when asked for compensation they keep on avoiding the issue.

    It’s better to pay a higher rate of interest with a company that has a phone number

  34. Carmela Esposito Faraone says:

    I am in the UK. I took the chip+pin device with me this weekend for the first time and didn’t work! The message on the display said ‘device blocked, please contact support centre’. No telephone number provided, I sent them two e-mails yesterday (Sun) and one this morning, which haven’t even been acknowledged. I lost some sales for this and I am really not happy for the total lack of support. What a waste of money and time!

  35. Mark Kennerley says:

    My problem is that my card reader, once setup, did & does not work. It just says Sumup in the window when it is turned on & nothing else happens no matter what I do. Have emailed them & even responded to their email to me asking if something is wrong because I have not used it. Needless to say, I responded to this & they have not replied. After reading the other posts here, I am glad it has not worked because I could be chasing payment from them instead of help. I think I will just write it off to experience & use someone else. (Why don`t they provide a UK contact number?

  36. Dr vlok says:

    Can anyone help with Sumup uk telephone number?,
    I took a large payment from a client nine days ago and i cant seem to get the money out of sumup. They were good for a year, not sure what has gone wrong now.

  37. eric says:

    This service is absolutely poor. I have been waiting for a refund for the last 2 weeks for 2 card machines that were sent to me blocked.
    I have contacted customer service a number of times. They have LIED to me and said that the payment has been transfered but it hasn’t. My bank has also confirmed this several times.
    The customer service people are extremely rude. Your are no better than a thief. Please can you return my money.
    Avoid Sum app!!!!

  38. J-Bo says:

    Ordered and received my card reader with absolutely no problems or delays.
    Set up the account and made a test payment before going to an event where I needed to take a lot of credit card payments.
    Whilst taking payments I received a notification from SumUp that they needed more documents. Luckily I had this info so emailed it to them. Then got another request, this time for more company info as well as invoices and customer contact details for transactions already taken! I thought that the point of using the system was that it generated receipts by email or text if the customer wanted it so I didn’t have to print out invoices!
    My account stopped taking payments during the peak period of my sales during the weekend so I tried calling customer support but of course they’re closed at the weekend!
    When I got home I sent all the documents requested, then wait and wait. Still no payment into my account so I call them and they ask all the same info over the phone that I’ve provided by email.
    They ask for one more document concerning my business registration to be sent to them so I send it.
    Then I receive another email asking for proof of address which I have already sent them!
    Over a month since the event and my money is still stuck with them.
    I’m starting to think that all these delay tactics are just to keep a large balance of their clients money in their bank account which they’re earning interest from.
    Why did they not ask for all this info before they allowed my initial test transaction to go through? I wouldn’t have several thousand stuck in their account now.
    Not sure if I would use them again but perhaps they’re the best of a bad bunch?

  39. Linda says:

    I purchased sumup on the 10th of June and still I have not recieved my card terminal. I have emailed them numerous times and got 1 reply to provide them with proof of purchase as it did not show up on their records that I had paid. I sent them proof and have not heard anything since that was 11 days ago and I am getting really frustrated.

    I paid €94.00 in total and still nothing I also have since sent them about 10 emails and no reply. Their customer service is appalling and it’s really frustrating that there is no phone number to call.

    I don’t really know where to go from here and I want a refund!

  40. Brian says:

    SumUp looks like an exceptionally attractive option for a small business where they may opt to accept credit cards when out and about for products or services. Even the simple rates of a standard 1.95% across the board is fine, but when you read comments like these from 2012 up to date in 2015, without any improvement over the 3 year period, you can’t help but feeling that there is a non-existent customer service behind this company and when you are a small business looking to offer a payment method to your customers so that you can get paid, this really is vital. It’s such a shame. I have emailed their customer service’s email address a few times with a couple of pre-purchase queries with no answers – Hardly instills confidence in them. I’ve decided not to go ahead with a SumUp account, but I am genuinely disappointed by this as it looks like it could have been great. Their loss and not mine I suspect, as more and more options become available.

  41. Darren says:

    I used sumup for the first time with a customer yesterday 11 June 2015 – process of taking a payment hassle free, however, today I receive an email asking for a copy of the customer invoice and some further details about my business – none of which I had a problem providing. I emailed the document to sumup with an explanation about my business – I then followed the email up with a phone call – which was answered very politely and asked if my email had been received – it hadn’t which is a bit concerning – nevertheless the agent taking my call asked me to forward to her direct – which I did. I then had to take a photo of the invoice I supplied to my customer and send that off (via email again) as the scan wasn’t clear. No problem – however when I followed that email up with a phone call, I just kept getting a message stating that their offices were closed and to call back during office hours – (this was midday and their office hours are 8am to 5pm.
    So now I don’t know if they have received my email (the second one) and if it is acceptable and that the payment process to my bank account can be completed.

    It’s a real shame as the process of getting the sumup hardware, setting up the software and actually using the thing is really quite good,

  42. Jeannette says:

    On 28 May I ordered a SumUp card reader (in the Netherlands), with the knowledge that it would be delivered in a few working days. So far I have not received the card reader. On 1 June I received an (automatic) mail from the Dutch office that they are awaiting my payment, whereas I have paid the card reader on 28 May. I informed them accordingly (with a screenshot of the payment) through an email to [email protected], but got no response. On 5 June I received an email from the German office that payment was received. But no info on delivery. On 8 June I received another automatic email from the Dutch office that they were awaiting payment. I replied again explaining the situation, but got no response again…
    As I will need the card reader tomorrow (Thursday 11 June) I would very much appreciate communication from any Support Office that my card reader will indeed be delivered soon!
    Hope very much to hear from you.

  43. Richard Parker says:

    I have had a card reader for around 10 days now, I have been emailing customer support alomst daily for the last 7 DAYS trying to find out if I can take pre-authorisations (also know as deferred payments) on my reader. The main reason I got the reader is to take pre-authorisations as damage deposits for the camper hire business I run. I have sent 6 messages in total through both my account support form and email direct to sum up support – not a SINGLE ONE has been answered. You cannot call them, so I am now in limbo I’ve spent £70 on a reader which may be useles for my purposes – please somebody get in TOUCH! I am appalled with the level of customer service, the rates might be good but there is a reason for that.

  44. shervin says:

    They keep asking for the same documentation after i sent it and told them i sent it.

    Not sure if they are confused or lack intelligence, now looking for alternative option

  45. Nick says:

    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.

  46. Paul clancy says:

    This company have taken payments and not moved them into my account.
    they are not answering there phones, all very worrying

    1. SB says:

      Hi Paul,

      I am having the same trouble with them. No one answering the phone or email really worried. Might stop taking payments through them to be on the safe side. Let us know if you had a luck getting through

    2. Nicky fuller says:

      I have had the same thing

  47. Rob Palmer says:

    Waste of time for me too unless it takes VISA via the reader. As a London taxi driver I need AMEX as well.
    Shame all the instructions were not clear at the beginning.

    1. Hello Rob,

      As I mentioned in my comments below, we are continuing to work with Visa Europe to allow acceptance of Visa cards also through a card reader in the future. Also, we have recently announced that we will be accepting American Express as well in the near future ).

      Regards,
      Chris

  48. Gemma h says:

    My problem with sum up is the time it is still taking for me to receive the money I took nearly 3 weeks ago now. In the faqs sum up says it will make ‘daily deposits’ once you’ve met the threshold and your account is verified – both of these I had met.

    It then goes onto say it may take 7-10 working days for you to receive your money. In fact what i’ve established from emails to/from sum up support is that deposits are made 7-10 working days with an email sent confirming the same (infuriatingly this hasn’t happened in my case), with a further 2-3 working days possibly needed for the money to show in your account.

    Factoring in the long bank holiday 11 working days have nearly passed and I’ve still not received the money. Having chased support I’ve now been told the bank details they’d used were incorrect and it could take another 7-10 working days for me to receive my money. Given that I had sent them a copy of a letter from my bank (certified by a solicitor) that confirmed my account details I find it hard to see how a mistake has been made and why I have to wait potentially a further two weeks for my money. As a small business this is not feasible and causes a lot of problems.

    Even more infuriating is that when I initially queried where my money was I asked to check the bank details they had – I received no response to this particular question which is a shame because the problem I am now faced with could have been avoided.

    As a side note, when I initially discovered it could take up to 10 working days for me to receive my money I looked elsewhere for another card reader and found intuitpay – it had just been released and they were giving them away for free. I subsequently ordered one, received it, took a test payment which arrived in my account yesterday! Needless to say I’ll be using this one instead of sum up from now on.

    1. Hello Gemma,

      I’m sorry you experienced delays in your deposits. If you can email me your email address and/or merchant ID, I will investigate the problem personally. [email protected]

      Best,
      Chris

  49. Victoria Peters says:

    I feel like Ive been mis sold or mislead. The card reader I received wasn’t the card reader I signed up for. Isn’t that false advertisement, shouldnt it be illegal to do that. I am severely disappointed I was really excited at the prospect of this product but that has been a big let down. Most of my customers will probably Debit card owners so a chip reader is what I need not a swipe..thingy.
    Sigh Rant over.

    1. Hi Victoria,

      Not a problem. Send an email to [email protected] and they will get a chip reader out to you immediately.

      Thanks,
      Chris

  50. Signed up for this a week or so ago. Whilst the account set-up went well, it’s just been a disappointment since then.

    I did not receive a chip and pin reader as shown on their website, but a mag stripe reader. Most people in the UK are wary of their card being swiped nowadays (as it has associations with card skimming), so that’s a major negative.

    Secondly, from looking at their site you’d believe you can accept Visa & Mastercard. Here’s the process for accepting a Visa card as provided by their customer service staff:

    · When you want to accept a Visa card, simply select “Visa” from the choice of payment methods and enter your customer’s mobile phone number.

    · Your customer immediately receives a text message with a unique link to a secure website that opens on the customer’s mobile phone browser.

    · On this website, your customer enters the Visa card’s details and completes the transaction.

    So, if your customer doesn’t have a smart phone or can’t remember all their account access details then the transaction will fail.

    This is not currently a card solution for small businesses, it is a halfway house that will leave customers and businesses frustrated. At lease it doesn’t cost anything to sign up!

    1. Hi firebird_uk,

      Chris Campana here from SumUp.

      Different card associations (such as Visa and MasterCard) have different rules regarding how transactions can be accepted through mobile devices. Because of Visa Europe’s rules, Visa card acceptance is currently not possible via the SumUp card reader, but can be completed by manually entering the Visa card’s details on your customer’s phone.

      We are working together with Visa Europe to allow acceptance of Visa cards also through a card reader in the future.

      If you need further assistance, feel free to contact me at [email protected].

      Best,
      Chris

      1. Biran says:

        Can we enter the card number manually to all credit card types or just Visa? Thanks.

  51. Alasdair H says:

    Customer service does not answer emails and no phone number provided. Visa payments only work on a smart phone as the swipe doesn’t work on Visa cards. Takes Mastercard OK … Sorry waste of time at present.

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