- Highs: Very easy to use. No monthly fee, just a transaction rate. Can send links from app. Accepts many card brands.
- Lows: Activation of mobile payments requires approval by SumUp. Does not track unpaid payment links.
- Choose if: You need a simple way to accept remote payments, possibly with a cheap card reader for face-to-face sales.
|Mobile payments||2.5% per transaction|
|Refunds||Free within 1-3 days, 2.5% after|
|Mobile payments||2.5% per transaction|
|Refunds||Free within 1-3 days, 2.5% after|
Payouts are automatically cleared in your bank account within 1-3 working days for free. Full and partial refunds are free to process as long as there is enough balance in the SumUp account (i.e. the total of money currently being processed to your bank account). If there isn’t, the refund will cost you the original transaction fee – that is, the 2.5% mobile payment fee.
Should a customer dispute a transaction, an chargeback fee of £10 will be charged.
To use the service, you first need to complete a short, online sign-up form available on the website to create a SumUp account. Basic information about your identity and business will need to be submitted, and your bank account connected so you can receive payouts.
It may take a few days for SumUp to verify your bank account, but you can start accepting mobile payments before that, in which case transactions will pend in the SumUp account until they can settle in your bank account. SumUp’s primary service is in-person payments, so you will be encouraged to buy a card reader.
Mobile payments are not automatically activated in your SumUp account. Other payment features are available from the start including invoicing, card reader payments (if you purchased a SumUp card reader) and online gift cards. To activate mobile payments, you need to contact the Support Team with the request, after which you’ll receive a Mobile Payments application form.
The form will request “strong proof of your business’ online presence” such as links to your website or social media channels. To verify your business, you also need to submit one of the following:
- Business registration number
- Annual business tax returns
- Registration document issued by the official authorities
- Employer Identification Number
You then have to await SumUp’s approval following the submission, but it should not take more than a few days.
Not all businesses qualify for SumUp’s remote payment options. Restricted businesses include sellers of alcohol, tobacco, e-cigarettes, pharmaceutical products, illegal goods, certain financial services and others.
Payment links are sent directly from the mobile SumUp App available in the App Store on iPhone and iPad or Google Play on Android smartphones and tablets.
If you’re selling the same goods, we recommend adding products to the product library. This way, you can just tap to add items to the bill, and receipts can easily be itemised that way. Otherwise, you can add custom amounts with a written description. When the bill is ready, tap “Charge”, then “Mobile Payments”.
SumUp App product menu.
Add custom amount in app.
Payment methods in app.
In the Mobile Payments menu, you can choose between sending a payment link via SMS or app on your phone.
Choosing the ‘Send via SMS’ option prompts you to enter a mobile number, which can be a UK number or foreign mobile number (if you text a non-UK number, you should include the country code starting with “+”). This will send a text message saying:
You have received a payment request from [your business name] [amount] GBP. Please use the following link to complete the payment [link]
We tested sending an SMS this way to a non-UK number, but in our case, the text message never arrived. Instead of texting a foreign number, it may be better to email a payment link through the ‘Share payment link’ option.
It’s also possible to send the payment link as a text message through the ‘Share payment link’ option that opens up your apps through which the link can be sent. In this case, you pick the app for text messages, and then you can write the message that includes the link. This could be more reliable for a foreign number.
Mobile payment methods.
When clicking ‘Share by link’.
After tapping ‘Send via SMS’.
Choosing ‘Share by link’ enables you to pick any suitable messaging app installed on your phone, then customise the message after you’ve chosen an appropriate app. This could be an app for emailing, WhatsApp, Messenger or similar. You can also share the link via AirDrop (iOS devices only) or copy the link to paste it anywhere else on your phone.
No matter how customers receive the link, they will be able to click it which will open up a secure SumUp checkout page in their mobile web browser. The checkout page uses the high security standard 3D Secure managed by Visa and Mastercard. Customers can pay with a Mastercard, Visa, American Express, Diners Club, JCB or Discover card – an impressive range compared to other payment link providers.
If they have the SumUp.io app installed on their phone, the payment page will open in the app where they can pay faster if their card details are saved there.
QR code payments
If you pick the ‘Show QR code’ option in the app, a QR code generated for that transaction will display on your phone. The customer can then open their camera app, point the camera at the QR code, and then the payment page will open up in their mobile web browser. This is the same pay-by-link checkout as the one generated from a payment link.
SumUp QR code.
Card details required.
Again, if the customer has the SumUp.io app installed on their phone, the QR code will open a payment page within that app for a faster way to pay. If the customer hasn’t got the app installed, they will see a prompt at the top of the payment page to encourage downloading the app – but this is by no means necessary since you can just enter the card details below to finalise the payment.
Only completed transactions are recorded
Transactions are only registered in the app or SumUp Dashboard (backend account accessed in a web browser) when the payment has been completed from the customer’s end. This could actually be a problem for merchants wanting to chase up outstanding payments.
For example, if you remember sending a payment link, but the customer hasn’t paid yet, you can’t see this transaction recorded in the app or sales reports. There is no section for links that are unpaid, only a section for transactions that were completed.
This means you should make an extra effort to ensure that the customer pays immediately after receiving the link, or you can make a personal note of the people you sent a link to, then compare with the received payments later.
In the backend account, you can filter successful and failed transactions, and refunds and chargebacks. It is also possible to filter payments accepted by different employees, provided you’ve created a different user account with logins for each staff member (which is possible with SumUp).
You should make an extra effort to ensure that the customer pays immediately after receiving the link, or you can make a personal note of the people you sent a link to, then compare with the received payments later.
Transactions, revenue, payout and sales reports can be exported to a PDF, XLS or CSV file, but there is no direct integration between the SumUp account and accounting software.
What are SumUp Mobile Payments best for?
SumUp’s mobile payments are great for home delivery services, merchants taking orders remotely – whether over the phone or online – and to offer clients a way to secure a booking remotely. For online orders, it doesn’t matter where your customer is in the world, as you can send the links to any country.
It can also be a replacement for when a customer you’re serving in person cannot pay through your card reader. If, for example, someone hasn’t got their debit or credit card and does not want to share their contact details, they can scan a QR code on your phone and finalise the payment themselves on their phone. Otherwise, you can ask the customer for an email address, mobile number or app profile to send the link for paying later.
You could argue that SumUp payment links are better for businesses with trustworthy customers, perhaps mostly regulars, because there’s an element of trust required as it is up to the customer to finalise the payment in their own time. This is typical for pay-by-links, but unpaid links go unrecorded with SumUp, so you have to keep an eye out for customers not paying their bills.
SumUp’s customer support is every day of the week, but the phone support is slightly more limited.
Mondays to Fridays between 8am and 7pm and Saturdays between 8am and 5pm, you can call or message SumUp support. The Sunday support – open between 8am and 5pm – is only available by messaging chat.
The chat support is accessible on the website whether you’re logged in or not. We tested it and SumUp responded within minutes, giving us the answers we needed. Alternatively, you can email support any time, but a reply can only be expected within SumUp’s business hours.
For years, SumUp has primarily focused on low-cost card readers without a contract, a simple transaction rate and basic merchant tools for managing a face-to-face business. However, recent months have seen a broad expansion of remote payment options offered by SumUp.
To give customers a way to pay on their phone for orders placed remotely – or in-person – is a flexible way for merchants to start accepting payments without a card reader. All you need is a phone, internet reception and contact details of the payer, or the customer can scan a QR code without giving contact info.
The costs of using SumUp Mobile Payments are low, sharing the same simple transaction rate as iZettle Payment Links. But the general simplicity in usability results in a few shortcomings like the inability to track unpaid links and the lack of options to expand on reporting tools.
That being said, SumUp’s mobile payments are excellent value given their usefulness, ease of use and lack of ongoing costs.