ProviderUnited KingdomSince 2012Listed Oct 2026sumup.comWebsite
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SumUp

Card readers, point of sale and online payments for small businesses across 38 markets.

SumUp sells acceptance to the smallest end of the market: a reader, a point of sale, an invoice, a payment link and a business account, bought online without a sales conversation.

It is one of the widest small-business footprints in Europe — 38 markets, covering most of the EU and EEA, the United Kingdom, Switzerland and Norway, and reaching into Latin America with Brazil, Chile, Colombia, Mexico and Peru, plus Australia, Canada and the United States.

That breadth is the thing to weigh it on. A business trading in several European countries can usually run the same provider in all of them, which is not true of most of its competitors at this size.

5

payment methods

American ExpressApple PayGoogle PayMastercardVisa
38

markets

AustraliaAUAustriaATBelgiumBEBrazilBRBulgariaBGCanadaCAChileCLColombiaCOCroatiaHRCyprusCYCzech RepublicCZDenmarkDKEstoniaEEFinlandFIFranceFRGermanyDE

What SumUp costs

SumUp quotes per merchant. What you are offered depends on your volume, your industry, the countries you sell in, your card mix and your risk profile — so a published headline rate would not be your rate. Ask them for a quote against your own numbers.

Licences and regulation

Authorisations SumUp holds, as published by the provider or regulator. Check the register entry before relying on it.

Financial Conduct Authority (FCA)
Authorised Electronic Money Institution under the Electronic Money Regulations 2011 — issuing of electronic money and provision of payment services (SumUp Payments Limited, company no. 07836562, trading as SumUp) · United Kingdom · GB · 900700
Register
Central Bank of Ireland (CBI)
E-Money Institution authorised under PSD2 / the E-Money Regulations — e-money issuance, execution of payment transactions and issuing/acquiring of payment instruments; authorised 27 October 2020 (SumUp Limited, Dublin, trading as SumUp). Passported into 23 further EEA states. · Ireland · IE · C195030
Register
Bank of Lithuania (Lietuvos bankas)
Electronic money institution licence for non-limited activity — e-money issuance, distribution and redemption, execution of payment transactions, issuing of payment instruments and/or acquiring of payments; valid from 27 August 2019 (SumUp EU Payments UAB, legal entity code 305074395, LEI 9845008059ADD64DFS46). Provides services without a branch in 30 other EEA Member States. · Lithuania · LT · LB001900
Register
Banco Central do Brasil (BCB)
Instituição de Pagamento (payment institution), status "Autorizada em Atividade"; prudential segment S4, prudential conglomerate "SUMUP IP - PRUDENCIAL" (code 85238) (SumUp Instituição de Pagamento Brasil Ltda, São Paulo) · Brazil · BR · CNPJ 16.668.076/0001-20 (BCB institution id Z9217952)
Register

What the last check found

SumUp is not one licence-holder but four, and none of them is a bank.

UK merchants contract with SumUp Payments Limited, an FCA-authorised Electronic Money Institution, register number 900700 — confirmed on the FCA's firm checker as SumUp Payments Limited, SE1 9HZ, currently holding permission. Its own safeguarding page confirms that funds are e-money held in segregated accounts at unnamed UK banks, that FSCS protection does not apply, and that on failure an insolvency practitioner returns the money, potentially slowly.

In the EEA there are two live e-money licences, which is the structurally interesting part. SumUp Limited of Dublin is on the Central Bank of Ireland's firm data page under reference C195030, on the E-Money Institutions PSD2 register, authorised 27 October 2020; it is the entity named on SumUp's German site and it passports into 23 further EEA states. SumUp EU Payments UAB remains separately licensed in Lithuania: the Bank of Lithuania's own page gives authorisation code LB001900, an electronic money institution licence for non-limited activity valid from 27 August 2019 with no end date, company code 305074395, LEI 9845008059ADD64DFS46, providing services without a branch in 30 other EEA member states. An EEA merchant should check which of the two its contract names.

Brazil is a separate BCB-authorised payment institution: the BCB's REST register returns SUMUP INSTITUICAO DE PAGAMENTO BRASIL LTDA of São Paulo as "Autorizada em Atividade", institution identifier Z9217952, prudential segment S4, prudential conglomerate "SUMUP IP - PRUDENCIAL".

The United States is the gap. SumUp Inc. (Delaware) publishes no licence and states that it is "a registered Payment Facilitator of Fifth Third Bank", with banking services from Airwallex, so US merchant funds sit with a partner bank rather than a SumUp licence. SumUp Payments Pty Limited in Australia publishes no authorisation either.

There is no corporate parent: SumUp Holdings Luxembourg S.à r.l. (B203072) and SumUp MG Holdings Sàrl (B217329) both ceased as persons with significant control on 27 February 2023, leaving only individuals, so the group is independently held.

Checked against SumUp’s own documentation on 21 October 2026. Coverage changes; confirm anything you are about to build on.

Is SumUp regulated?

SumUp holds authorisations from Financial Conduct Authority (FCA), Central Bank of Ireland (CBI), Bank of Lithuania (Lietuvos bankas) and Banco Central do Brasil (BCB). Always check the regulator’s public register before relying on it.

People at SumUp

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Sources · 15

  1. SumUp — about, with the full market selector · sumup.comcountriesthe companyUsed for the 38 markets from the country selector; founded 2012Checked 19 October 2026
  2. SumUp UK Legal Notice · sumup.comlicensingthe companyUsed for SumUp Payments Limited, company no. 07836562, and verbatim FCA statement: 'authorised by the Financial Conduct Authority in the UK under the Electronic Money Regulations 2011 (register number 900700)'
  3. SumUp — Safeguarding customer funds · sumup.comUsed for How UK merchant funds are held: segregated accounts at UK banks, no FSCS cover, insolvency-practitioner return process
  4. Central Bank of Ireland registers — SumUp Limited · registers.centralbank.ielicensingUsed for Irish EMI authorisation: SumUp Limited, reference C195030, E-Money Institutions PSD2 register
  5. SumUp Impressum (Germany) · sumup.comthe companyUsed for Irish entity serves German/EU customers: 'SumUp Limited ist ein E-Geld-Institut, das von der Central Bank of Ireland (Referenz Nr. C195030) reguliert wird'; business ID 505893
  6. Bank of Lithuania — SumUp EU Payments UAB · lb.ltlicensingthe companyUsed for Lithuanian EMI licence LB001900, valid from 2019-08-27, legal entity code 305074395, authorised services, passporting into 30 Member States
  7. EBA Payment Institutions Register (EUCLID) · euclid.eba.europa.eucountrieslicensingUsed for Independent confirmation of both EEA entities as PSD_EMI: SumUp EU Payments UAB (LT, LB001900, authorised 2019-08-27) and SumUp Limited (IE, C195030, authorised 2020-10-27), plus passported country and service lists
  8. Banco Central do Brasil — institution record, SUMUP INSTITUICAO DE PAGAMENTO BRASIL LTDA · www3.bcb.gov.brlicensingUsed for Brazilian payment institution authorisation: segmento 'Instituição de Pagamento', situação 'Autorizada em Atividade', idBacen Z9217952, prudential segment S4
  9. SumUp Brazil legal notice · sumup.comthe companyUsed for Brazilian legal entity name and CNPJ 16.668.076/0001-20
  10. SumUp US legal notice · sumup.comlicensingUsed for SumUp Inc. (Delaware); 'registered Payment Facilitator of Fifth Third Bank'; Airwallex as banking services provider; no licence stated
  11. SumUp Australia legal notice · sumup.comlicensingUsed for SumUp Payments Pty Limited, ACN 645 440 722, Sydney; no ASIC/AFSL/AUSTRAC authorisation published
  12. Companies House — SumUp Payments Limited · find-and-update.company-information.service.gov.ukthe companyUsed for Company no. 07836562, incorporated 7 November 2011, previous name Ka-Ching Payments Limited, registered office The Forge, 105 Sumner Street, London SE1 9HZ
  13. Companies House — SumUp Payments Limited, persons with significant control · find-and-update.company-information.service.gov.ukthe companyUsed for SumUp Holdings Luxembourg S.à r.l. (B203072) held 75%+ until 27 February 2023; no current corporate parent on file
  14. Companies House — SumUp Systems Limited, persons with significant control · find-and-update.company-information.service.gov.ukthe companyUsed for SumUp MG Holdings Sàrl (Luxembourg, B217329) held 75%+ until 27 February 2023, corroborating the 2023 ownership restructure
  15. FCA Firm Checker — search for "SumUp" · fca.org.uklicensingUsed for Register read confirming FRN 900700 belongs to SumUp Payments Limited (also known as SumUp), sumup.co.uk, SE1 9HZ, and that it currently holds FCA permission.Checked 21 October 2026

15 sources · last checked 21 October 2026 — each one says which claim it supports.

Compiled from public sources — verify with SumUp before you sign anything. How we compile this · Suggest a correction ·