How Does It Work? A Step by Step Guide

Welcome to SumUp! Our products empower merchants to accept credit and debit card payments anywhere with our intuitive, cost-effective devices. With SumUp, merchants can take cards with a Visa, American Express, Diners, Discover, or MasterCard logo. Our SumUp Card Reader can also accept contactless payments, which includes Google Pay or Apple Pay.

There are four simple steps to get up and running with SumUp.

  1. Sign Up & Buy a Reader
  2. Fill Out Your Profile
  3. Activate Your Account
  4. Set Up Your Card Reader

Learn more about the heart behind our company here.

Do I qualify to work with SumUp?

In order for you to work with SumUp we will need some personal and business information to set up your account. You can review the information we need from you here, and you can learn about our bank account requirements here. Additionally, you can review the details of what types of businesses and products cannot be supported on our list of Restricted Businesses.

You will also need to have a bluetooth-enabled mobile device or tablet to use the SumUp Reader. You can find a list of compatible devices here.

1. Set up your card reader

  1. Go to sumup.com > Click Get Your Card Reader.
  2. Enter your email address and create a password > Click Continue. This will be the official email address for your account, so please make sure this is an account you will have regular access to.
  3. If you need to purchase a reader > Input your shipping and payment information to purchase the reader. When complete, click Continue. You will receive the reader in 4 - 5 business days, and will now be redirected to fill out your profile. 
  4. If you’ve already purchased your reader through Amazon > Click the "I already have a reader" link in the top right corner of the page to be redirected to fill out your profile.

2. Fill Out Your Profile

Once you’ve ordered a device, fill out your profile by inputting your personal and business information, including your payout and bank details. Make sure to double check that you’re inputting the correct information, as any future changes will have to be made by contacting our Customer Support team.

Once you’ve filled out your profile, activate your account so you’ll be ready to go once you receive your card reader! 

Please keep in mind, federal law requires that all financial institutions (including SumUp) verify the identity of each person who opens an account. This means that from time to time, you may be asked to share additional documentation to verify your account. You can learn more about the process and documentation required here.

3. Activate your account

Once your profile is complete, you will be prompted to enter a valid phone number to receive a 4-digit activation code. You can prompt the activation code either by logging in to the SumUp App on your smartphone or tablet, or by logging into your SumUp Dashboard.

To activate your account through the SumUp App, log in to the app using the email address and password you signed up with. If you haven’t downloaded our app yet and need help, here’s a little guide on how to download the SumUp App.

After successfully logging into your account, a window will open asking you to activate your account. Please enter your mobile number into the corresponding field and tap “Request Code”. Within a few seconds, you will receive an SMS with a 4-digit activation code. Enter the code into the respective field and click “Confirm code”.

All set! It will take 90 minutes - 2 hours for the activation to complete. While you wait for the activation, you can set up your employee accounts or add products and prices to your account. Once the activation is complete, you’re ready to set up your card reader.

To activate your account through your Dashboard, log in here with the email address and password you registered with. After you’ve logged in, you will see a notification at the top of your browser window asking you to activate your account.

Please click on “Activate” and enter your mobile number into the corresponding field. Within a few seconds, you will receive an SMS with a 4-digit activation code. Enter the code into the respective field and click “Confirm code”. 

All set! It will take 90 minutes - 2 hours for the activation to complete. While you wait for the activation, you can set up your employee accounts or add products and prices to your account. Once the activation is complete, you’re ready to set up your card reader.

If you experience any issues receiving your code via SMS, reach out to our Support team Monday-Friday between 9am - 7pm EST at 1-888-250-2164 for help activating your account.

4. Set Up Your Card Reader

Before setting up your card reader, make sure you have already activated your account with an SMS verification! 

Open and sign into the app, and you will see the Checkout screen. Type in $1.00 on the keypad, and press "Charge". Your device will then start to scan for the card reader and once found, the reader will turn on automatically and the blue lights will begin to blink.

Confirm the pairing request on your smartphone or tablet by comparing the last 3 digits that are shown on your screen with the last 3 digits of your card reader’s serial number. (This can be located on the back of your card reader). Tap “Connect”. Simply confirm the Bluetooth connection by pressing the green check mark on your card reader, and you have successfully connected!

Please note that the $1.00 test transaction will be processed, so you can either refund the transaction or allow it to go through to test the payout timeline.

If you experience any issues, call our SumUp Support team Monday-Friday between 9am - 7pm EST at 1-888-250-2164, or get in touch anytime by email (support@sumup.com).

Congratulations! You’re ready to use your card reader.

You’re all set to take credit card payments with SumUp! Make sure to set up additional SumUp features to make the most of your new account, including: 

Once you’ve received a customer payment, SumUp will process your transaction within 1-2 business days and transfer the amount directly to your bank account after subtracting the SumUp fee. Click here to see what minimal costs are associated with being a SumUp merchant and click here to learn more about payouts.

Running into issues?

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

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