2026-03-19
What on earth have you done?
Where are the categories on the iPad app? They've all dissappeared into a banner at the top that you can't read. Switch it back....!! This is a terrible update..?? What were you thinking?
Updating
-1
#3 in Top Free Apps > Business
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#10 in Top Free iPad Apps > Business
iPhone Screenshots
iPad Screenshots
Description
The all-in-one app for your business needs
With the free SumUp mobile app you can take payments, manage your item catalogue, track your sales and more. Our app connects with SumUp’s hardware to further power your ability to reach customers and get paid wherever your business takes you.
Open the app to control your top business needs straight from the palm of your hand. Whether you want to open and build an online store, send payment links, issue invoices or boost your customer base, you can explore all of your options with this portable, free app. All of our tools are intuitive and many can be mixed-and-matched to meet your personal needs.
You can also discover our different payment options–from pay-as-you-transact fees, to money-saving subscriptions, discover everything you need to choose in one place.
Item organisation & helpful reporting
Add, edit and delete items to your own personalised catalogue directly in your app. You can then easily select any of these items to speed up your transactions using one of the payment methods highlighted below. The app also includes sales reports so that you can track your performance and spot trends in the data to improve and manage your business.
Take payments
Tap to Pay on iPhone
With Tap to Pay on iPhone and the SumUp app, you can accept in-person, contactless payments on your iPhone — from physical debit and credit cards to Apple Pay and other digital wallets. No extra card readers or hardware needed. It’s easy, secure and private.
Point of sale solutions (POS)
The SumUp app is the perfect match for your card reader or Point of Sale Lite. Pair your free app with your mobile card reader to take card, chip & PIN, contactless and mobile payments. You can then use your app to track the sales you take with your devices, add tipping options, issue refunds and set sales tax rates.
Invoices
You can activate and issue professional, legally-complaint, on-brand invoices from your app in minutes. You can also track the status of any invoices you’ve issued so you’ll always stay on track with pending payments. Our invoicing app feature is very simple, when your customer receives an invoice, they’ll have the option to pay securely online.
Payment Links
Through the free SumUp app, you can easily get paid remotely with Payment Links. All you have to do is select ‘Payment Links’ from the app home screen, enter the amount you want to charge, create your link, and share it with your customers via social media, SMS or email. The link will take the customer to a secure website where they can complete the transaction. It’s a great way to take cashless payments from afar or without a device.
QR codes
With QR codes, you can offer your customers another alternative when it comes to payments. Generate QR codes instantly via the free app. If you’re looking to speed up in-person payments, you can order stickers or displays to place around your business - allowing your customers to pay quickly and securely, using only their smartphones.
Boost your business
Online Store
Open your online store directly from your free app and reach new customers. In just 4 simple steps, the SumUp App will guide you through the process of building your own feature-rich online store - no web design skills needed. Add items, publish your store, and grow your customer base across the globe. Once you’re up and running, the SumUp app will supply you with real-time analytics to help you grow your business further.
Manage your finances
SumUp Business Account
With a free SumUp Business Account, you can stay on top of your finances in one secure, easy-to-manage space. Sign-up is simple and involves no paperwork and you won’t be charged any monthly fees or hidden costs. You’ll also receive a free contactless Mastercard for your business expenses and track your spending in the app. You can pay with your card anywhere that takes Mastercard, or use it to withdraw cash from an ATM.
What's New in Version 3.89.0
Minor fixes and stability improvements
Seller
Name
SumUp Limited
Information
Developer
Categories
Version
3.89.0
Size
505.6 MB
Game Center
No
VPP Device Licensing
Yes
Rating
Rated: 4+
Compatibility
iOS 16.0 or later
Devices
iPhone 5s, iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus, iPhone SE, iPhone 7, iPhone 7 Plus, iPhone 8, iPhone 8 Plus, iPhone X, iPhone XR, iPhone XS, iPhone XS Max, iPhone 11, iPhone 11 Pro, iPhone 11 Pro Max, iPhone SE (2nd generation), iPhone 12, iPhone 12 Pro, iPhone 12 Pro Max, iPhone 12 mini, iPhone 13, iPhone 13 Pro, iPhone 13 Pro Max, iPhone 13 mini, iPhone SE (3rd generation), iPhone 14, iPhone 14 Plus, iPhone 14 Pro, iPhone 14 Pro Max, iPhone 15, iPhone 15 Plus, iPhone 15 Pro, iPhone 15 Pro Max, iPhone 16, iPhone 16 Plus, iPhone 16 Pro, iPhone 16 Pro Max, iPhone 16e, iPhone 17, iPhone 17 Pro, iPhone 17 Pro Max, iPhone Air, iPad (5th Generation) Wi-Fi, iPad (5th Generation) Wi-Fi + Cellular, iPad (6th generation) Wi-Fi, iPad (6th generation) Wi-Fi + Cellular, iPad Pro, iPad Pro (Cellular), iPad Pro (9.7-inch), iPad Pro (9.7-inch) (Cellular), iPad Pro 12.9-inch (2nd generation), iPad Pro 12.9-inch (2nd generation) Wi-Fi + Cellular, iPad Pro (10.5-inch), iPad Pro (10.5-inch) Wi-Fi + Cellular, iPad Pro (11-inch), iPad Pro (11-inch) Wi-Fi + Cellular, iPad Pro 12.9-inch (3rd generation), iPad Pro 12.9-inch (3rd generation) Wi-Fi + Cellular, iPad Air, iPad Air (Cellular), iPad Air 2, iPad Air 2 (Cellular), iPad Air (3rd generation), iPad Air (3rd generation) Wi-Fi + Cellular, iPad mini Retina, iPad mini Retina (Cellular), iPad mini 3, iPad mini 3 (Cellular), iPad mini 4, iPad mini 4 (Cellular), iPad mini (5th Generation), iPad mini (5th Generation) Wi-Fi + Cellular, iPad (7th generation) Wi-Fi + Cellular, iPad Pro 11-inch (2nd generation), iPad Pro 11-inch (2nd generation) Wi-Fi + Cellular, iPad Pro 12.9-inch (4th generation), iPad Pro 12.9-inch (4th generation) Wi-Fi + Cellular, iPad Air (4th Generation) (Wi-Fi), iPad Air (4th Generation) (Wi-Fi + Cellular), iPad (8th generation) Wi-Fi, iPad (8th generation) Wi-Fi + Cellular, iPad Pro 11-inch (3rd generation), iPad Pro 11-inch (3rd generation) Wi-Fi + Cellular, iPad Pro 12.9-inch (5th Generation), iPad Pro 12.9-inch (5th Generation) Wi-Fi + Cellular, iPad (9th Generation), iPad (9th Generation) Wi-Fi + Cellular, iPad mini (6th Generation), iPad mini (6th Generation) Wi-Fi + Cellular, iPad Air (5th generation), iPad Air (5th generation) Wi-Fi + Cellular, iPad Pro 11-inch (4th generation), iPad Pro 11-inch (4th generation) Wi-Fi + Cellular, iPad Pro 12.9-inch (6th generation), iPad Pro 12.9-inch (6th generation) Wi-Fi + Cellular, iPad (10th generation), iPad (10th generation) Wi-Fi + Cellular, iPad Air 11-inch (M2) Wi-Fi, iPad Air 13-inch (M2) Wi-Fi, iPad Air 13-inch (M2) Wi-Fi + Cellular, iPad Pro 11-inch (M4) Wi-Fi, iPad Pro 11-inch (M4) Wi-Fi + Cellular, iPad Pro 13-inch (M4) Wi-Fi, iPad Pro 13-inch (M4) Wi-Fi + Cellular, iPad mini (A17 Pro) Wi-Fi, iPad mini (A17 Pro) Wi-Fi + Cellular, iPad (A16) Wi-Fi, iPad (A16) Wi-Fi + Cellular, iPad Air 11-inch (M3) Wi-Fi, iPad Air 11-inch (M3) Wi-Fi + Cellular, iPad Air 13-inch (M3) Wi-Fi, iPad Air 13-inch (M3) Wi-Fi + Cellular, iPad Pro 11-inch (M5) Wi-Fi, iPad Pro 11-inch (M5) Wi-Fi + Cellular, iPad Pro 13-inch (M5) Wi-Fi, iPad Pro 13-inch (M5) Wi-Fi + Cellular, iPod touch (6th Generation), iPod touch (7th generation)
Languages
English, Bulgarian, Catalan, Croatian, Czech, Danish, Dutch, Estonian, Finnish, French, German, Greek, Hungarian, Italian, Latvian, Lithuanian, Norwegian Bokmål, Polish, Portuguese, Romanian, Slovak, Slovenian, Spanish, Swedish
App Store: Customer Ratings
Ratings & Reviews
4.7 of 5 (13,415 Ratings)
App Store: Customer Reviews
2026-03-18
Bussiness closed
Bussiness closed
2026-03-17
Support Appalling
The only way you can contact SumUp is by Chat. There is no support. I found them frustrating, all employees giving different information, not responding, hindering the process, losing my business money. Seriously find another supplier. I will not be using them again after this week and their machine and app are going in the bin - Stay away.
2026-03-17
Pathetic
Won’t let you log in. Tells you won’t credentials, not wrong credentials. A painful process to sign up. Don’t do it.
2026-03-17
cheat
They haven't paid my bills, there's no customer support, no phone number, it's a ridiculous, fraudulent company trying to manage their operations in the UK from somewhere else in the world. Don't trust them and make transactions; I did, and I've been trying to get my money back for months.
2026-03-17
Solo
Recently bought the solo device already let me down twice had to resort to using tap to pay on phone. Far too expensive for such poor service
2026-03-11
Weryfikacja
Nigdy nie polecę znajomemu
2026-03-10
Excellent payment system!
I don’t know it works and it is an amazing app with online stores, gift cards and even a reward system! It is so good and thank goodness there is a free version (that I have)
2026-03-09
Terrible
Randomly shut down my business because “as outlined in Clause 13 of our terms and conditions, we may close or suspend a profile at any given time and for any reason deemed necessary”. I was selling dnd books that I’d made. I hadn’t sold any. In fact I’d listed my site and that’s as far as I got. But don’t worry, they’ve thoroughly reviewed my case and decided no. No reason given. Waste of time.
2026-03-04
Payment Links
This is the worst card company that I have ever worked with. No customer service whatsoever. You have a problem and it’s everyone else to blame and they then hit you with pages of screed that means nothing.
Wouldn’t recommend to anyone !
2026-03-04
Customer Support non existent
If you want to be totally frustrated by non existent customer service win no phone number, this is the app for you. Waiting for hours day after day for a chat session is a complete joke
2026-03-03
Been waiting for a response from support for over a week to access my funds and derestric my account
I have made an account to use for an even I had been part of everything was fine making the account and taking the payments. Then when it came to cashing out my funds I was told my account is restricted and needs some more informations via email. This was no issue I got sent an email which told me to reply directly to with information about the company and possible social media or websites to give some general knowledge. I’ve done this sent the email and got a reply from the post master saying “Your message wasn't delivered because the recipient's email provider rejected it.” So I jumped on the live chat and have been back and forth since I even asked the representative if I could just send my email as a text in the chat . I have not been given a email to send to that works and I’ve not been told nothing apart from a specialist has been assigned . This has been an unnecessary headache for me I’ve not been able to pay for my costs and have had to pro long my co workers because of a simple communication issue I will update my review if and when this is sorted but as of now I’ve been left waiting for god knows when I’m not claiming this app to be a scam but I’m experiencing the worse end of it
2026-03-03
Best little pay system
I have been using your system as a mobile yoga teacher for a few years now
So simple to use accepting payments on the spot or sending links before or after a session that can be reused
Charges are low
Love it
2026-02-27
Why advertise SumUp Local BEFORE THE OPTION FOR CUSTOMERS TO PAY VIA LINKS??
So many customers give up and ask for other ways to pay when I send them a payment link. Why? Because SumUp ADVERTISES ANOTHER OF THEIR APPS ABOVE THE PAYMENT OPTIONS WHEN CUSTOMERS CLICK THE LINK!
So my customers see first a button telling them to install another app to make payments easier with SumUp so that this company can skim their info and make money off my customers! Then they get confused and give up and ask if they can pay another way! GET RID IF THE OPTION TO INSTALL LOCAL SUMUP ON PAYMENT LINKS!! Or at the least please put it AFTER the payment link. Or have a pop up after payment asking if they’d like to set it up for future payments. Just don’t put it first. 😡
2026-02-22
Mr
M Basharat
2026-02-16
Page Freezes
The app freezes when I am trying to transfer money into my bank account. It asks for a pin confirmation however, the phone freezes on that page. It does not give me the option to type anything. I have tried several methods to try and resolve this issue including restarting my mobile, uninstalling the SumUp app and reinstalling. Updating my mobile. However, none of these have rectified the problem I am experiencing. It needs to be resolved because at the moment it’s holding my money on the app, and there is no way of me transferring it to my bank account.
2026-02-14
Ray
Rayray
2026-02-14
Super easy super fast
I just can’t fault it business account with no hassle super easy to use and I really am a caveman when it comes down to these things.
Account was up and running within about 30 minutes of downloading the app business card for the business account received it within four days and contactless pay machine within one day I have a small window cleaning business and I’ve been waiting for customers to as they say just ping the payment over
Yet I find myself waiting months to be paid but not anymore.
So I tell them no need you can pay now as nobody has cash on them anymore but people always have a card or a phone with them
This has changed. My ability to get my wages in and pay bills on time.
Thank you so much, SumUp.
Spencer Norris
2026-02-13
BE AWARE
Hands down one of the worst companies I’ve ever dealt with.
I signed up to this dumb app completed every single verification they asked for, and ran a completely legitimate account. I sold two handmade products to real customers. Payments went through. Money showed in my balance. All good.
Then, out of nowhere, they permanently shut down my account the very next day. No warning. No explanation. No evidence of wrongdoing. Nothing.
To make it worse, they refunded the customers without my consent. I had already sold the products, yet SumUp kept me unpaid. Whether they want to admit it or not, this resulted in me losing my money entirely. It feels like legalised theft dressed up as “regulation”.
Customer support is useless. They hide behind vague copy-paste responses about “risk” and “regulators” and refuse to explain what rule was supposedly broken. There is no appeal, no accountability, and zero protection for sellers.
If you are a small business, handmade seller, or anyone who actually needs their money, do not trust this company. You can follow every rule, do everything right, and still wake up to your account shut down and your earnings gone.
Cold, careless, and completely untrustworthy. Avoid.
2026-02-10
Be careful - Wrong vat calculation on app
I have been trying to raise this issue for several weekend to Sumup support but no luck!
Be careful about a very important issue and bug within the app.
When you setup an item in the system you enter the price of the item inclusive of VAT.
Now if you try to issue an invoice via desktop version, it perfectly fetches the item and calculates the VAT and show it on the invoice correctly. For example if an item is 12 Euros including VAT, with 20% VAT rate, the invoice shows price as 10 and the VAT at 2 totalling 12 Euros.
But if you issue the invoice using the app, selling the same item, the invoice is issued as 12 Euros plus 2.4 EURos VAT at total of 14.40 EUROs. Basically it doubles the VAT.
I have sent several screenshots and explained several times to the support team but it seems they are from Venus and I am from Mars! They simply don’t understand it.
Fix it please SumUp. Fix it.
2026-02-10
Can’t get our money out
Terrible customer service
2026-02-09
Taking “n”Making Payments The Easy Way
Very Easy Way to keep up with taxes and money affairs in a cash LESS society I was very reluctant @ 1st butt now I’m in, people do your homework and keep up with the times (Keep Up With SumUp) yoU no it makes complete sense ! For all your plastic money solution chose SumUp to Keep Up
2026-02-09
scam company do not use
only been using a couple of weeks account has been frozen have no access to money but still lets you take payments through the machine, so there happy to take the money but not give you access to it if you like running your company for these scammers to keep all the money you earn this is a good one.
customer service is a joke they dont know anything and say the higher up team is dealing with it but theres no way to contact them you have to wait for a email from them i asked them how long this will take and they said it can sometimes take months
avoid!!
2026-02-07
Very bad experience
Used another card provider, made my business look so unprofessional with the issue
2026-02-07
Not so good if you need help
Terrible customer service. Difficult to speak to a real person, and when I did I was fobbed off with ‘your request will be escalated and you will receive an email’. So, stuck in the same loop with no resolution to my problem!! Have gone back to my Zettle!
2026-02-01
Constant Glitches and No Resolution
I’ve been a SumUp customer for seven years. Their fees have always been competitive, which I appreciate, but the customer service over the past year has declined significantly.
For the last two weeks, I’ve been unable to view my payouts. In other words, I’m taking payments through SumUp, but I can’t see what I’ll actually be receiving in my business account each week. This is essential information for running my business, and not having access to it is completely unacceptable.
When I contacted support, I was told it was a “glitch” and advised to delete and reinstall the app. I followed the instructions, but nothing changed. After contacting support again, I was told the issue had been “escalated” to another team—who apparently don’t work weekends.
This isn’t the first time I’ve dealt with issues like this. Over the past year, I’ve had multiple “glitches,” and every time something gets escalated, I’m left waiting indefinitely with no clear resolution or follow-up.
I rely on SumUp to manage my business income, and not being able to see my earnings is a nightmare. I’m honestly exhausted with these ongoing problems.
SumUp, please sort this out. I’ve contacted your team countless times throughout 2025, and now we’re in 2026 with the same unresolved issues.
There are other providers out there. Their fees may be slightly higher, but at this point I’m seriously considering paying more for a service that’s reliable and trustworthy
2026-01-30
Fix the update it’s broken the app
Recent update has caused a crash and glitch cycle with transfers
2026-01-26
Won’t refund money back for a yearly subscription
This company is very unprofessional. I accidentally applied for a subscription yearly rather than monthly. I asked kindly numerous of times if I could get a refund but each time with different agents telling a whole bunch of different things. I’ve been calling multiple times and they still keep saying that I will receive a refund or receive an email. When I asked to speak to the manager they place me on hold and have me waiting there for an hour and no answer. When I asked why can’t i receive a refund it wasn’t even explained they just said “refunds aren’t guaranteed”. This company is extremely unprofessional when it comes to refunds please for anyone who uses this company don’t!!
2026-01-24
Automatic receipts
Returning customers who have historically paid on SumUp used to receive an automatic email or text receipt having entered either their phone number or email address in the first instance, this is no longer the case.
Every sale now gives the manual option to “Send receipt” or “Done”
No more instant receipts !
The instant receipt feature needs to be reinstated as it’s very convenient and a huge time saver !
Using SumUp air.
2026-01-22
Ideal for my small business
Not sure why so many negative reviews. Works fine for me and I believe it's worth getting the Sumup reader as looks more "professional" than presenting your smartphone to a customer - also customer knows the Sumup brand but who knows what app is running on a phone presented to you for swiping your card over !
I also find the associated debit card that goes with the account useful.
No real problems and only had to phone customer services in the very early days of setting up. Been with them since 2020 and a few colleagues have joined following my recommendations.
2026-01-22
Serious doubts about this company
The customer service is virtually non-existent. ‘Jordan’ is on e-mail but there are very long, (more than an hour) waits for responses that are unhelpful. Problems with the QR code and all they can say is ‘do you have updates’? I’ve on;y been ‘verified’ for a few days. However there is no way of updating that I can see nor is there a way of knowing if the app is up-to-date. Most reputable companies would update automatically or inform of updates available. Also I cannot see how I can get my money back from a QR code payment or a pay-by-phone trial I carried out. This is losing me money. I will look elsewhere for a more reputable service.
(2026: Still not been paid by SumUp six or seven months on. Luckily a small amount of test funding only as the QR codes didn’t work well. I had to take cash only. Dodgy customer services, dodgy QR code (tried to fix it many times, just a very poor quality company).
2026-01-16
Sort it out!!!!
The app is full of glitches! Keeps freezing, can’t do stuff, doesn’t respond, the list is endless!!!
2026-01-15
To difficult
It worth let me set up and it was difficulty
2026-01-15
bad
Keep get log out on the app and now it keeps saying not the right email or password when I no for a fact it is the right one and the bot it sends u to fix it keeps just given request to reset when the app won’t let you
2026-01-14
H.R.H. Prince John Wilson
Absolutely outstanding business, Service. I would recommend this service to anybody. Who’s just about to start out with their new business adventure
2026-01-13
No customer support
No support absolutely rubbish
2026-01-12
Avoid
The app is full of bugs support is a joke in the last 24hrs 9hrs of my life have been wasted and the 2 issues have not been resolved
2026-01-10
Salon owner
So easy to use less expensive than other card reader companies I’ve used , and the format used to see sales and expenses is so clear .. wouldn’t change from sum up now and look to use more of there services.
2025-12-31
Transaction failed
It was working fine but after couple of weeks every time I try use it comes up with transaction failed tried contacting customer support for help there is no help keep on saying the account is not set when the account is fully set up if it wasn’t I wouldn’t have received the payments for weeks before this issue it’s all robotic reply’s no real person to sort the issue!! Very disappointed
2025-12-30
Idk
I downloaded it but i deleted it and they have sent a letter to my house could they not please cause my my don’t even know so if you download it they will send letters to your house and i downloaded it like a month ago aswell so stop sending my letters
2025-12-26
Good but needed a dark mode
Good app, easy to use, would be 5 starts if it had a dark mode
2025-12-23
Xeltra
Brilliant service 👍
2025-12-21
Excellent Service!
This app has been a game changer for my small business, it makes taking payments so easy and everything is streamlined to make you get the most out of your sales. I can see all my sales history quickly and easy and the new features added have made it even better! Highly recommended
2025-12-20
Insecure app and poor support
I keep getting error messages when I try to log in to the app saying their app browser doesn’t support https verification, which for a financial app seems a bit scary. Also given that probably 90% of their users use their card readers at weekend and holiday events, their Monday to Friday 9-5 support is dreadful. They will clock off in the middle of your crisis. Be warned.
2025-12-18
Useless
Logged out for no reason then when I try to make contact there is no number to call where you can speak to an actual person and no replied via their email, they redirect you to the app support but that’s useless when you can’t log in. I’ve used sum up for six months with no complaints and found it straight forward until this moment.
My money is in my account but I can’t access it anywhere. Silly I’ll be closing my account when my money is out
2025-12-17
So far so good. Onboarding was fairly straightforward.
I’m yet to start taking payments but I’ve every confidence this app is the one to have.
2025-12-16
Receipt
Great app but you need to bring back auto receipts to regular customers
2025-12-16
Don’t recommend
I have the app. But keep getting emails and messages to take payments. Spoke to customer service and they said they would sort it. Still has not been sorted. Very poor customer service and system just harass people, pestering them to use the system. If it keeps up I will delete account
Also I can tell they don’t even look at feed back as they won’t even respond
2025-12-15
Don’t expect any actual support when you need it
Card processing is fine, bank
Account is ok. Support is all but pointless
2025-12-13
Unusable
Unable to access my money via the app. Have tried restarting and uninstalling and installing without anything working. Don’t know what’s happened with the app recently as this was working fine a few months ago. Have not gotten any help from SumUp, very disappointed and frustrated
2025-11-13
SumUp blocked £11,000 of my business funds — and left me to deal with the consequences
I am absolutely shocked and devastated by how SumUp treated my small business.
Without any warning, explanation, or proper communication, SumUp suddenly froze £11,000 of my money — money I desperately need to keep my two-person business running. These are not “just numbers”. This is my cash flow, my bills, my materials… my entire livelihood.
What’s even worse? I now have to pay VAT on these transactions, but the funds that the VAT comes from are exactly the funds they blocked.
So not only did they stop me from operating normally, they also created a tax nightmare where I’m expected to pay HMRC using money I cannot access because SumUp is holding it hostage.
Their verification process has been confusing, repetitive and completely unclear. I provided everything they asked for: proof of business, transaction details, explanations — and still no resolution.
For a small UK business, £11,000 locked away without warning is catastrophic. This is not just an inconvenience. It’s a direct threat to my ability to work, serve customers, and pay what I legally owe.
If you are a small business relying on SumUp, be careful. One sudden “review” from them and you could find yourself unable to trade and unable to access your own money.
Right now, I feel completely let down and powerless — and all I want is access to the money I rightfully earned.
2025-10-05
Unable to add business bank account for payout!
If you want to payout to a business bank account - do not download SumUp! We have previously used SumUp with a few of our car clubs and have had a great experience. However, we have now decided to use it for our new business and are unable to add our business bank account as payout. As there is no option to call to speak to someone, I’ve been on back and forth with the support chat for the last 2 weeks and am unable to remove my money without sending the money as a payment! Incredibly frustrated and disappointed with the service provided!
2025-10-04
Mrs
I’m extremely disappointed with my experience using the SumUp app. My account was suddenly closed without a clear explanation with £950 in my account , and I have been unable to reach any real support since then. I’ve sent several emails and tried contacting them through every possible channel, but all I get are automated responses or no reply at all.
It’s very frustrating, especially when real money is involved and no one from the company takes responsibility or explains what happened. I expected a professional financial service, but the lack of transparency and communication has left me feeling completely helpless.
I wouldn’t recommend this app to anyone until SumUp improves its customer support and accountability.
2025-09-11
Abysmal Customer Service
App and payments work absolutely fine, very good in fact. Just don’t make the mistake of trying to change the bank account linked to the machine. You have to deal with a virtual assistant, who will send you round in circles.
They will ask for new bank details, but then not accept them as the ‘chat’ is not verified, yet at no point will they tell you how to get the chat verified in the first place. Then they will ask you if you’re having difficulty with your issue to email them and provide you with an email address to send your email to. The only response you will get from this is an automated reply stating they no longer use email…..
2025-07-03
Amazing! Will continue using
The app was a great experience for me. Sometimes it does lag a bit but I think that’s just my phone. In the end, the percentage rate they take from your payments is such a GREAT amount and the pay by iPhone/card feature is amazing! I’m going to continue using the app for my small business called Gabby’s Faze 💕
Adding on, if you need help, ignore the reviews saying they don’t have human assistants. I talked to someone and they were very helpful!
2025-06-11
Worst customer service ever
You better hope that you don’t have a problem with your card machine because their fully automated customer service will be of zero help. You may as well ask your dog for help with the machine. It says it has a phone line but don’t be fooled, you’re never ever getting through to a person. If you use the support assistant chat, you’re also not getting through to anyone. Basically there is no help. If you have any problems with your machine you may as well just throw it in the bin and buy a different brand. Biggest waste of money I’ve ever spent. And a loss of earnings on top.
2025-03-31
Payment Blocked by “Discount Too Large” Error (No Discount Set)
I’ve been experiencing a recurring issue with the SumUp app lately. It consistently shows the error message: “Discount too large. Adjust the discount so that the cart total is greater than £0.00 or add more items to the cart.” This occurs when I enter the payment amount, but I’ve never modified any discount settings (and I’m not sure where to do so). I found that logging out and then logging back in after a few minutes temporarily resolves the issue, but it’s frustrating because this problem happens several times a week. I hope this bug can be fixed soon as it disrupts the payment process.
2025-02-24
Lost my money £325
I used SumUp for four years without issues, but recently, a customer requested a chargeback, and the company simply refunded the money without considering my evidence. I submitted all the necessary documentation, including photos and proof of the service provided, but SumUp gave me no alternatives or support. In the end, I lost £325, and the only response I received was that I could close my account if I wanted to.
If you are a self-employed professional or merchant, think twice before using SumUp, as they do not protect your money. If a customer requests a refund, you have almost no chance to contest it. Unfortunately, I can no longer trust this company and do not recommend it.
2024-12-14
avoid at all costs
cancelled my business account without informing me. The app is terrible and is based on AI. It is so difficult to speak to a human being so you get no actual answer to an issue that you might have that can’t be resolved on an FAQ. I was told I would need to have a business account that had the exact same name if I was going to get my money out which I did not have, I got no reply from any email sent to customer service on boarding anything like that at all, when I phoned customer service, I was told they would raise a ticket with the relevant people, but I never received an email again. I’m currently waiting for the ombudsman to attempt to get my money back. They made it so easy to sign up but it’s so difficult to get your money. In conclusion avoid avoid avoid there are much better options.
2024-12-02
AVOID AT ALL COST
My experience with this company has been extremely disappointing. It seems like they have no real business support—just a few representatives, possibly offshore, providing unhelpful and misleading information. They made false promises without the authority to deliver, wasting valuable time and resources. Despite all this, they have yet to return the client’s money. Unfortunately, I wouldn’t be surprised if they go out of business soon, as their practices are far from professional. Using this payment platform has negatively impacted my business in the worst way imaginable. Don’t even bother replying to this review, this is for the people like myself to read and understand Before signing up to their doom!
2024-08-24
Weird Bank
Worst “Financial institutions” on the face of the Earth. I was scammed a while ago for some B30s therefore I had raised a charge back claim, it took them almost a month to respond and once they finally responded (after i sent over 10 emails), they suspended my account. At first they said it was because I needed provide the “nature of my business”, which I did without hesitation. Once i sent them what they’ve asked for they didn’t respond for a whole 2 days so i contacted the support team, they told me they’d make it matter of urgency and i’ll get a réponse at the end of the day. Surprise surprise, they didn’t respond, so i contacted the support team again, only then to find out my account was suspended because of the claim I made. So I get scammed, I raise a charge back claim, then they suspend my account 🤣. This bank makes absolutely no sense it’s like if i hadn’t of applied pressure i wouldn’t have found out why my account was suspended in the first place. They’re a joke, don’t waste your time with these lot.
2024-01-29
No consistency in time of payouts
All in all I’m extremely happy with this service for my new business. BUT!! There’s no consistency with the pay out time.
It’s a next day pay out that hits the bank at maybe 430pm, 5pm as late as 8pm
Just an advisory that’s frustrating as this is aimed at small businesses. I’m relatively new I finish at 2.30 pm every day , and rely on my payouts to be the next day so I can buy stock etc. It’s a bit frustrating when it doesn’t arrive until 8pm and other days 530/6pm.
Everything else is great, can’t fault it 👋
2024-01-03
Very unreliable
I had the sum up air card reader as a back up when the I Zettle started having ongoing problems.
I then switched to using Sum Up. Initially it worked without any problems and I was very pleased with it and made it my main resource for taking payments.
Then it became so unreliable, losing Bluetooth connection constantly and not being able to connect at all.
I went through all the options, manually updating the app, resetting etc but it just didn’t get any better.
I really want to use Sum Up and I want it to succeed but it just isn’t reliable so I will be going back to I Zettle and keeping Sum Up as emergency back up.
2023-12-12
Could be better
I have been using SumUp since 2015 & it has developed over the years into a good system. I use the app on my iPad in my plant nursery & I did use it via my Wix website but SumUp processing for card payments were higher than Striped so haven’t integrated for that reason.
My biggest frustration is that I use Wix POS in my physical shop as I sell over 800 individual gift items. What I really really want is for SumUp to create a barcode scanner which will integrate with Wix POS so my inventory scans in and out as I sell items. Square offers this but I’m reluctant to switch as SumUp does what it needs to do but other companies seem to be more up to date with features which help the smaller businesses like mine. Please please do something! I will happily buy the hardware but you don’t offer it!!!
2023-10-25
New way to accept payments
It’s a pity it doesn’t work been in touch with sum up terrible costumer service
Update The app allows you to accept payments without the use of the card reader ! I asked the customer to pay using my iPhone 14, card was rejected, asked to do it again card was rejected again, costumer began to get embarrassed saying that they had funds in the bank and they were not trying to get out of paying, I then got my card reader and tried again, the payment went straight through. Why do developers put something out into the costumer domain without testing it to make sure it works !!!!
2023-08-29
do not use this app!
Absolutely horrible service everytime. Decided to block all transactions randomly on number iys occasions and when you try and email them and ask them for help they never get back to you. They’re still witholding money from me which i don’t know when i can get back. Tried to call customer service on numerous occasions and when you get through they don’t even put you to the right departments and they also like to put you on hold for ages, they don’t care about individuals issues atall. DO NOT WASTE YOUR TIME AND MONEY ON THIS APP. only rated them one star because you have to rate it to submit the review but they deserve no stars. Absolutely always issues with this app it’s horrendous
2023-08-04
Was great, until I needed customer service
I’ve used sun up for years (about 6-7) and always been happy, no problems. So I decided to use it for my other business too, so I set up an account with the email for my other business & couldn’t get past the setting up bank details, it just sent me round in circles. I emailed customer service and every time they told me to try something, it made no difference. Eventually they said to create a new account with a new email address (I had to create another email address just for this which was a pain) & it still did the same. It just won’t accept my bank details. I emailed again to complain and this time they’ve just ignored my email completely.
Looks like I’ll have to go elsewhere, which is a shame after years of good service, let down by customer service or lack of :(
2023-06-05
Simple sums it up
I am so impressed with the simplicity of use I have been happy to provide readers to an number of organisations I belong to, Unlike many card readers that require contracts and monthly payments Zi find sum up so convinient to use which is not on a daily basis but at fundraisers and society events etc Always handy but not racking up costs when not used. Easy app on the phone to manage and my balance is available promptly Highly recommended
2023-05-21
Frustrated with Ongoing Verification Issue - No Access to Funds for Over 3 Months
I hate to say this, but I have been incredibly disappointed with the SumUp app and its customer service. For over three months now, I have been dealing with an ongoing verification problem that has left me unable to access my funds. Despite numerous attempts to contact their customer service team, I have received no updates or assistance.
I've reached out multiple times, only to be told that my case would be escalated for further verification procedures and that they would work on resolving the issue. However, there has been absolutely no progress. I continue to face difficulties accessing my hard-earned money, and it feels like my concerns have been completely ignored.
In one of my previous emails, I provided detailed information about the source of funds in my account. These funds were collected through a bake sale organized by the Egyptian society to support the Turkish and Syrian earthquake relief efforts. As the President of this unofficial organization, I had to borrow money from a friend to purchase essential supplies for those affected.
Despite providing all the necessary information, my verification problem remains unresolved. This lack of progress is not only frustrating but also deeply disappointing. As a loyal customer, I expected better treatment and a prompt resolution to my issue.
I kindly request that SumUp prioritize my case and provide a timely solution. If they require any additional documentation or evidence, I am more than willing to provide it promptly. However, it's disheartening to see such a lack of attention and assistance from their customer service team.
I sincerely hope for a swift and positive resolution to this matter. The ongoing frustration and inconvenience I've experienced have left a lasting negative impression. I truly hope SumUp can address these issues and improve their customer service for the sake of their loyal users.
2023-05-21
Card reader blocked
I am not happy about the way Sumup is trying to sell their card readers by blocking the existing machines. I was working and right in the middle of my work when I was taking payment the card reader was blocked. Next day I phone the customer service and they said they can’t answer my questions regarding the block and why it’s been blocked, so they advised me to purchase another machine for £48. I been izettle for 5 years which is Zettle by PayPal now and I have never had any issues. Also the Zettle card reader is frequently updated and perfectly working. I will advise all of my friends and colleagues to get Zettle and bin Sumup.
To be liked by everyone Sumup should change and improve the way they handle their card readers. We can’t afford to buy new machines every time they get blocked. One star is too much. Sumup deserves minus Zero stars.
2023-05-18
Joke company
Customer service is appalling. Our card machine broke after three weeks. We had used it a handful of times. Contacted live chat and they told me we won’t send you a replacement machine you need to pay for another one which is £154. I then called support who were also useless didn’t wish to hear about the device not working wanted video evidence wouldn’t send replacement. So I told them I’ll send that video and I’m going to move my business away from you and want a refund as service is terrible. Avoid at all costs the equipment breaks to easily and support are hopeless. Like talking to a brick wall. Still waiting to see what these muppets do in terms of resolving my issue and refund.
2023-04-27
Great but could be so much better!
I love using this app. The interface seems very familiar and is very easily laid out. I just WISH there was more in depth Information on the transactions like NatWest such as location in accordance to the globe and the time in which the transactions were taken. I also think it would be a huge improvement if when you clicked on the transaction, it would show you the accounts balance prior to the transaction
2023-04-22
Quality service
I have used SumUp, for approximately four years. The service they provide is exceptional. The app is really easy to use and the card readers are not that expensive . for any changes to the app or payments, hitting your account around bank holidays etc, they always send you an email regarding this. They also give you incentives when you use the card regularly. It is a quick and easy payment method and I would not look back.. 5*****
2022-11-29
Total disaster Area!
Since I started using SumUp for payments the quality of service is plummeting like a Kamikaze pilot.
1st they removed the ability to upload price list from CSV files now expecting u to manually edit every dam thing through the app. I selected this so engineers could select items and get paid at the job.
The card readers hardly last 6 months.
Their version of customer support is a really annoying Chat Bot.
I was never sure whether a Homo Sapien was on the other end.
I was trying to open a payment link sent to customer to double check. You can’t open to read your description on the payment link. Instead you have to wait 30 days and it dumps the data.
Also tried to get help with card reader as the app was reporting faults but again the staff are paid to drive you mad that you hang up and ignore the crap alleged customer support.
You are never allowed to speak to a human on the telephone.
In Short go try Square or Stripe because SumUp is a thing of the past where others have caught up and zoomed on by.
2022-11-26
Not keeping up with the competition
I’ve had SumUp for some years now, but use it less and less as time passes. I have a few issues with the way it’s falling behind the competition.
1. The tipping options show up on the phone, not the SumUp device. This means I have to ask the customer if they wish to tip. It should be an option on the terminal whereby the customer has to select either to tip or not themselves before making the payment.
2. The terminal disconnects for no apparent reason several times a day making the whole process extremely slow because you have to reconnect constantly
3. It can take anything up to 2 weeks for a payment to reach my account. The competition pays next morning without fail.
These are the 3 reasons this card reader spends most of its life gathering dust. Fix these and I’ll use it again. The battery life alone would make it my favourite reader.
2022-10-05
Awful app need a major update
I've had my sum up air nearly a year now. The past 4 months have been awful. I've added new products that refuse to go into the right sections. I've got enrichment product mixed in with food sections. Everytime I use sum up I loose £20 or more as Customer can't pay. The reader disconnects when. You leave the reader and take your phone.
I use this once a week sumup have put me off doing anymore than one market a week. As they just wouldn't cope with taking payments. They also have a God awful blind on products. You can't easily see the products to add to the sales as they add a stupid filter over the top of them. This makes sales slower as your can't see products. I'm looking to leave and go else where. I rather wait 2 day to clear my payments than loose any more money using sum up.
2022-09-01
Lost transactions
I have 2 days worth of transactions that have gone missing. I’ve been waiting for a week now for someone to look into this but the app logged me out and wouldn’t let me back in for a good hour then when I did it started my sales from scratch losing over £120 that I can’t bring up on any reports that went through as approved transactions. Won’t be happy if this doesn’t get resolved. I also can’t find how to verify my account with my passport ID either on the app or online
2022-08-27
Support problem
I have been a SumUp user for several years. This week we have had a problem. Someone infiltrated the SumUp security and changed the password on the account. It appears to be impossible to regain control. The infiltrator has not changed the bank account for receipts (and I guess cannot) but I cannot issue invoices or correlate payments received to outstanding invoices. I spent ages on phone yesterday trying to resolve - this ended with the agent saying she could not and would have to ‘escalate’ the issue. I was promised a call back which has not materialised. After a long time as a satisfied user of SumUp, I am now entertaining doubts as to whether I should continue to work with it. This review is, ultimately, an attempt to get SumUp to resolve the problem…
2022-08-10
App not letting you access account
Since Mondays 8th august 2022 when you up dated the app it now doesn’t allow you to access your account .You can still take a payment but you can’t access your money .. it’s now Wednesday 10th and it’s still not working .. I’ve called a few times and sent emails (no response to email) but I got through on the phone to be told it would be flagged . People are working on it or just everything’s working as it should ..I can’t believe it’s taken two days and it’s still not working or been addressed the only acknowledgment publicly by SumUp I can see is a a reply to a Twitter comment .. just let people know and tell them when it will be up and running as if leaves people worrying about there finances
2022-07-22
Poor customer service and connection issues
Having SumUp machines in my business has mostly been positive, but it’s becoming more and more common that we’re having awful problems trying to connect our phones to a card reader. It will work fine for a few transactions and then just disconnect for no reason. I’ve had to close the app down and restart every time this happens. It really slows me down on a busy shift and customers get frustrated.
Also, I’ve been through about 8 card readers in the past few years as they just stop working (sometimes mid transaction) for no reason… no bumps or sharp impacts as the bot suggests when I try to ask for help.
Poor design and poor customer service. I’m still waiting on an answer to a question I asked 2 weeks ago via email.
2022-05-14
Can’t logged in
Such a ridicules service I am using this service for three years and was good but from yesterday I can’t logged in to my account and as a taxi driver I lost my business on Friday night and Saturday as well and can’t get hold of them to fix the issue as I spoke to the support team on numerous occasions and they said that we will process your problem with the relevant department and they will contact you as soon as possible,and no one contact me up tell now which is a shame ,how come people bother to work with them as there are so many other providers in the market, please stay away from them and choose another provider so you don’t lose your business.
2022-02-26
Several issues, stopped supplying readers to my customers
-When creating an invoice online the “Due Date” keep going back to “paid” even when selecting “Due Today” manually
-When creating invoice online you can only write the goods item name correctly the 1st time in the “Name” box because when trying to correct a spelling mistake after typing, the curser keeps jumping to the end of the name box. You have to delete the entire box & retype even for a minor spelling mistake
-In the app I typed a “Description” under the Name box & the description won’t show in the invoice after downloading it.
-Still cannot edit a saved invoice in the app after creating it. Can only edit online after creating it in the app.
-Still cannot “Save to Files” after viewing the downloaded invoice in the web browser
Increasing my stars (to 3 from 1) because Sum Up seems to have made an effort when I re tried after a long time. Had stopped using & supplying to customers on my last review. But if the above items are sorted I may consider to start using & supplying 3G readers to customers again. Worst thing for a supplier (including us) is when a customer approaches you with these issues & you don’t know how you can resolve it for them because you’re relying on Sum Up yourself. For one of my customers I ended up making a template on Google Sheets to use in the meanwhile while Sum Up sorts the issues out.
2021-08-20
Business booster
Purchasing SumUp was the best thing we did for our football club. Having only ever accepted cash, we lost a lot of business when customers had to leave to go to the cash machine and would then not return! SumUp has boosted our income by as much as £5,000 per onto. Business has never been better allowing us to improve the premises after what has been an awful 18 months. I can’t recommend SumUp enough!
2021-06-24
App functions have taken a backwards step
On Ios14.5 on iPhone 12. When editing the price of an item or a series of variants, the Copy and Paste function is not working in the price field.
Also when you move the cursor to a place in the price to delete a character and then type a new one, it gets appended to the end of the price. All very annoying and should be picked up in testing of the app.
2021-06-16
No customer service
Money went missing from my account so I tried to call customer services and couldn’t find a working number. I messaged them and received an automatic message to say I’d get a reply in 24 hours. I waited 3 days no reply to any of my messages. I tried the what’s app it took 26 hours before I got a really bad response. They don’t seem to care about their customers I was with them for two and a half years and get treated like trash. I’m now taking my business to a company with customer services. It took a week total to figure out what had happened. Sum up = no customer services and no respect to customers. Avoid avoid avoid
2021-06-02
Worst card device I have experienced
Our terminal has become so extremely slow 10-20 minutes every waiting time for the device to work, disconnects every time it goes to stand by, we have to reconnect every time it’s time wasting, and time is money, it’s so inconvenient, we are a busy restaurant we need to work fast and this device we spent £150 from sumup is just the worst device we had to work with , we are having extreme difficulty taking payments with sum up, customer wont wait 20 minutes at the bar for paying, it frustrated so much customers, we requested a replacement and got ignored, definitely will stay away from them .
2020-10-02
Brilliant
Iv been using the app & 2 card readers since November Never had any issues transactions are a breeze & work every time has made the queues go much fast with been able to pay by card & the my product section is brilliant the only down side that I have is stock control if a item goes out of stock there is no way to set stock limits so the button can’t be pressed on the app & discounts would be great instead of needing to type in the amount & for it not to show on the invoice they have received a discount as some offered we have is for 0 pound there is no way to discount it or set it up in my products with out needing to add a price so it’s currently set to 1p it would be great to add a discount option so product can be discounted by a % or £ off the items selected show the discount shows up on the invoice & not needing to have separate products of the same thing set up in my products
2018-11-09
Latest Update
Woke up this morning to find the app has updated. Looks nicer, but ... the keypad buttons seem closer together, meaning accidentally pushing wrong button twice now, and I have only used it for 2 transactions. When trying to correct the mistype, the clear button has been changed to a backspace. Meaning more button pushes to clear the mistype. I preferred the ‘C’ button as it was faster.
Still, SumUp is still one of the best things to happen for our store. Fantastic payment offerings and service. Thank you SumUp team.
2018-11-07
A game changer
I’ve been using SumUp for about two years now and don’t know what I would do without it. Always reliable and never late paying straight into your account. Monthly statements makes accounting so easy. My clients regularly comment on how easy it is to use and sending receipts via email or sms is a doddle. The real game changer however is the virtual terminal facility for over the phone payments. As a very small business, I couldn’t justify the over the top bank merchant service fees and fixed contracts that also come with other merchant facilities. Thank you SumUp for a brilliant service.
2018-11-07
A Long Awaited Improvement.
For us, SumUp was let down only by an annoying app layout that made it far too easy to hit ‘charge’ when attempting to enter 00 to the sum due. The latest update has separated the charge button from the number keypad - a great improvement.
I would thoroughly recommend SumUp to anyone looking for a comprehensive, effective, efficient, low cost and very straightforward means of taking card payments almost anywhere.
2018-02-02
Best little card reader ever !
I’ve had my reader over 12 months now and it just Works as it should. It’s brilliant and improved business by 90% as before we only took cash payments.
You can tap, swipe or insert the card for payment or even type in the card number if it doesn’t read it.
I just love it and couldn’t do without it now. They always answer any query I’ve had which hasn’t been many but there very professional and I will continue to use it for as long as it’s available.
2017-12-21
Paymants
This is a great device had this well over 3 months and not charged it once yet. If I don’t use within 20 minutes it goes into sleep but comes straight on as soon as I use the app on my phone. Not sure why people saying that it’s doesn’t come back on maybe they need updating there device. Also like to point that other companies charge you a monthly subscription or a higher percentage, you can’t beat 1.67% for charges and no monthly fee. Top dollar to sum up
2017-10-26
No “X”reading
This is nearly fantastic but has a couple of problems. 1. It goes to sleep. I did try and sort this out with cust svs but they were very confused and the different departments were not very good at liaising with each other. They sent out a new unit to my old address so I persevere with what I have 2. No x read. I take many small transactions and have to balance by writing down and adding up. It is 10 mins a day I could use more effectively. If I could export to excel it would be better. Surely any business must balance at the end of a trading period.