Accept Card Payments

Accepting card payments with SumUp is incredibly easy. The aim of this guide is to give you all the information you need to start transacting with our card reader without a problem.

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Not sure which SumUp Card Reader you’re using? Click here.

Accept Card Payments with SumUp EMV Card Reader

This is a step-by-step guide on how to take card payments with the SumUp EMV Card Reader. It’s easy. We promise:

  1. Open the SumUp App on your smartphone or tablet and log in with your email address and password that you registered with.

  2. Enter the wanted amount. You can also type in a description in the corresponding field underneath. After you’re all done, press “Charge”.

  3. The card reader will automatically turn on and connect to your device.

  4. Your customer now has the option to pay with an NFC (near field communication) enabled card or a chip card.

    1. If your customer wants to pay with a contactless payment option via an NFC enabled card, they only need to tap their card on the card reader. Since the NFC antenna is located at the top of the card reader they should tap their card flat onto the upper half of the card reader. After tapping the card onto the reader a beep will be heard as well as 4 LEDs will light up to signal a successful data transfer. The customer will now need to authorise the payment either via PIN or signature.


      Your customer only needs to authorize NFC transactions over $30.00.

    2. If your customer wants to pay with a chip card they only need to insert their card into the slot on top of the reader (chip-side first with the front of the card facing up). The customer now needs to authorize the payment either via PIN or signature.
    3. To authorize the payment, your customer either enters their 4-digit PIN on the card reader and then selects the green checkmark or authorizes the payment via signature on the screen of your smartphone/tablet and confirms the payment by tapping the “Enter” button. The card reader will tell you whether PIN or signature is requested.


      Whether the authorisation happens via PIN or signature is dependent on the settings that are stored on the chip of the customer’s card. Neither your or your customer can influence, whether PIN or signature is requested.

      SumUp automatically sends a request to the card issuer to make sure that your customer has enough balance in their account as well as a to check, if the payment is within your customer’s specified limits

    4. Your card reader and your app will show a notification to confirm that the transaction was successful.
    5. If you want, you can now send a receipt to your customer by entering their email address or mobile number into the corresponding field you also have the option to print a receipt.
    6. Congratulations! You just made a successful payment with the SumUp EMV Card Reader. It’s easy, right?


Accept Apple Pay and Android Pay

You can also accept contactless payments via Apple Pay and Android Pay with the SumUp EMV Card Reader. Just tap the device flat onto the upper half of the card reader like you would a NFC card.


Customers, that are using Apple Pay or Android Pay because the service is already available in their countries, can pay using either, even if Apple Pay or Android Pay might not be available in your country yet.

Transaction limits

The minimum amount of a card payment is $1.00

The maximum amount of a card payment is determined by the following factors:

  • The card issuer of your customers, i.e. the bank, can limit the amount that your customer can pay with their card.
  • SumUp has limitations if the magnetic stripe of a card is used to make the payment in order to protect you and customers. These restrictions are specified for your business type so they match the typical amount charged in your category and shouldn’t interfere with your daily business. If you have questions regarding this limitation, please contact our Support Team.
  • For security reasons, we are required to verify your account. Therefore, your account will be initially limited up to a certain amount and you will receive a separate email with all information. SumUp is registered as a Money Service Business with FinCEN and is required to identify its customers in line with the Anti-Money Laundering rules set out in the Bank Secrecy Act and the Patriot Act. We are required to verify your identity as the main contact listed on your SumUp account.

Use abroad

SumUp can only be used in the country you selected at sign up. However, in certain circumstances, we may allow you to trade in another country where SumUp is available. If you have a SumUp account and want to use it outside your home country, please contact our Customer Support Team. Please confirm what country you will be trading in, why you will be visiting that location and also the exact dates that you will be transacting in that country.

Countries where SumUp is available
  • Austria
  • Belgium
  • Brazil
  • Chile
  • Cyprus
  • Czech Republic
  • France
  • Finland
  • Germany
  • Greece
  • Hungary
  • Ireland
  • Italy
  • Latvia
  • Lithuania
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Switzerland
  • United Kingdom
  • United States of America

Accept foreign cards

Our general rule of thumb is that providing the card being used has either a Mastercard, Maestro, V PAY, Visa or American Express logo present, we can process the payment.


As always, when processing payments from international cards, it is important to note that cardholders may be charged an additional currency conversion fee. As normal, all transactions are subject to approval from the card issuer.

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