Security & privacy

High-value transactions

At SumUp, your security is our priority. We want to make sure your business is protected and help you reduce the risk of receiving a chargeback. This article will guide you through the documents needed in order to take larger payments safely.

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SumUp cares

We at SumUp are committed to providing excellent service and we care about your feedback. All our customers have the right to fair, effective, and courteous service at all times.

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What is Strong Customer Authentication? (SCA)

3D Secure 2 (3DS2) and Strong Customer Authentication (SCA) are measures put in place to make online payments more secure. SCA verifies a customer's identity before confirming purchases with the intent to reduce electronic payment fraud.

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Transaction and verification limits

This article explains the difference between your transaction limit, and your verification limit.

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Payment disputes: Chargeback procedures

Chargebacks can be stressful. So, here at SumUp, we’re committed to simplifying the process as much as possible. This article will guide you through how payment disputes work, including SumUp’s own chargeback procedure, from the first request for information to the final decision.

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Payment disputes: What is a chargeback?

A chargeback is a request for money after a cardholder questions the validity of a transaction. Chargebacks may also be preceded by requests for information such as retrieval requests or fraud reports.

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Payment disputes: Contesting chargebacks

There are a variety of scenarios that could lead to a chargeback and each of them requires slightly different supporting evidence to contest. Here, we’ve compiled a list of common types of payment dispute and how to object them.

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Restricted businesses

As a regulated entity, we operate under strict requirements imposed by the financial regulator, the card schemes (Visa, Mastercard and American Express) and our acquiring banks, who act as a gateway to the card services.

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Take secure payments

We want you to take the safest card payments possible to protect your business from fraud and to minimise the risk of reversals and erroneous chargebacks because the client didn’t recognise the payment on their bank statement. Although chargebacks cannot always be avoided, there are steps you can take to prevent them.

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Blocked device and warranty

If you're curious about the warranty SumUp offers on its card readers or wondering what to do should your device become disabled, read the following article.

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GDPR, SumUp and my data

At SumUp, we take data protection very seriously. Here's everything you need to know about how we handle your information and keep your data secure.

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Brexit - here's the plan

As a SumUp merchant, you may have wondered what the approaching Brexit deadline means for you. Rest assured, we have got you covered!

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Security

Your security is of the utmost importance to us at SumUp. Here, we've collected information on everything you need to know about how we keep you secure.

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Invoice inquiry

We are obliged by our payments providers to check the legitimacy of the transactions. We might be required to collect additional information, such as an invoice (in PDF format), from you to verify the payment.

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Merchant security

The security of both your data and that of your customers is our top priority at SumUp. This is what we do to keep it safe.

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