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Accepted Cards

You can accept any credit or debit card that displays a Visa, American Express, Diners, Discover, or MasterCard logo. The 2.65% charge per transaction applies to all transactions placed through your SumUp account, whether it's a Visa, American Express, Diners, Discover, or MasterCard.

To accept chip cards, please insert the chip (front of card with chip facing you) into the slot at the top of the reader. To accept a card via magnetic stripe, please swipe the card (back facing you) through the bigger slot at the top of the reader. 

You can also accept NFC payments via Google and Apple Pay with our SumUp Air Card Reader. To accept a contactless transaction, please tap the card for 1-2 seconds flat in front of the display of the reader. All your customer has to do is to authorize the payment via signature!

The SumUp app processes all card types with the same standard rates. You can learn more about that here.

International Cards

You can also accept cards issued outside the U.S. Just make sure that the card carries a Visa, V Pay, Discover, Mastercard, Maestro or American Express logo.


If you perform a payment with an international card, the cardholder must pay their bank a fee for their currency conversion policy. This fee is charged if the currency of the country where the card was issued does not match the currency of the country in which you have registered your business with SumUp. For example, if your customer has a UK bank account and your business is located in the US, the transaction will be charged in USD, but charged from the customer's account in GBP.


Get in touch with our Support team anytime by email (, or you can call SumUp Support Monday-Friday between 9am - 7pm EST at 1-888-250-2164.

ps. Do your customers want to pay with a credit card but are not physically present to make the payment? Learn more about Virtual Terminal here.


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