Accepting card payments–how does it work?

SumUp empowers merchants to accept credit and debit card payments anywhere with our intuitive, cost-effective devices. Learn more about the heart behind our company here.


How do I get started?

Simply click on the blue “Get started now” button on our homepage. From there it’s an easy 2-step registration process.

  1. Create an account.
  2. Order your card reader.

Curious about our requirements to open an account? Click here for the information SumUp will need from you and here to learn about our bank account requirements. Still wondering if SumUp will support your business? Check out our list of Restricted Businesses.

What are the next steps?

As soon as your card reader arrives, you can start using it straight away.

1. Set up your card reader

Setting up your card reader is easy.

airicon.gif SumUp Air

Now that your reader has arrived:

  1. Download the SumUp App on your phone or tablet and log in.
  2. Take your first transaction.
  3. Confirm the Bluetooth connection by pressing the green tick on your reader.

Done. You’re ready to take payments.

Check out our SumUp Air: Setup Guide for more info. And click here to see the technical requirements needed to use SumUp.

3gicon.gifSumUp 3G

To begin transacting with your newly delivered 3G Card Reader, first, make sure you’ve completed your SumUp account registration at
Then turn on the device, select the preferred language and log into the reader with your SumUp email and password.

For detailed instructions, check out our SumUp 3G: Setup Guide. And click here for answers to the most frequently asked questions.

2. Processing transactions

To process transactions after the initial setup with the SumUp Air Card Reader, enter the payment amount in the app and tap “Charge”.

For the 3G Card Reader, enter the payment amount on the reader and press the green tick.

Then, regardless of your card reader, the final steps are the same:

  1. Insert, tap (or swipe for 3G) the accepted card.
  2. Have the customer confirm the transaction.
  3. After a successful transaction, you’ll have the option to send your customer a receipt via SMS or email.

Click here to learn more about accepting card payments and here to read about receipts.

3. Receive your payout within a few days!

SumUp will process your transaction within 1-3 business days (2-3 business days for Ireland and Malta) and then transfer the amount directly to your bank account after taking out the SumUp fee.

Click here to see the low costs associated with being a SumUp merchant and click here to learn more about payouts.

What's next?

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