SUMUP — SumUp Bank Charge Explained

SUMUP on your bank statement is a transaction descriptor for SumUp, a finance company. Mobile card payment provider used by small businesses, market traders, and independent retailers. If you see SumUp on your statement, the charge is from a small merchant who uses SumUp to take card payments.

What Is the SUMUP Charge?

SUMUP is a transaction descriptor for SumUp, a finance company.

Mobile card payment provider used by small businesses, market traders, and independent retailers. If you see SumUp on your statement, the charge is from a small merchant who uses SumUp to take card payments.

This code appears on your bank statement because banks display a short payment reference — set by the merchant's payment processor — rather than the company's full trading name. The code SUMUP is the official identifier that SumUp registered with Visa or Mastercard.

Is the SUMUP Charge Legitimate?

SumUp is a well-known, legitimate company. Most charges from this merchant are authorised and relate to purchases or subscriptions you signed up for. If you don't recognise the charge, check your email for a receipt or log into your SumUp account to review recent activity.

How Do I Cancel or Dispute a SUMUP Charge?

  1. Identify the charge: Confirm the charge is from SumUp by checking your email for a receipt or logging into your account on their website.
  2. Cancel your subscription: If you no longer want the service, log in to SumUp and cancel your subscription through account settings before the next billing date.
  3. Contact the merchant: If you do not recognise the charge, contact SumUp customer support and ask for an explanation and refund.
  4. Dispute with your bank: If the merchant does not resolve the issue, call the number on the back of your card and ask to raise a chargeback on the SUMUP transaction. Provide the transaction date and amount.
  5. Section 75 rights: If you paid by credit card and the amount was over £100, you may have additional protection under Section 75 of the Consumer Credit Act 1974.

What Other Names Does SumUp Use on Bank Statements?

SumUp may also appear on your statement as:

Frequently Asked Questions About SUMUP

What is SUMUP on my bank statement?

SUMUP is a bank statement transaction code for SumUp, a finance company. Mobile card payment provider used by small businesses, market traders, and independent retailers. If you see SumUp on your statement, the charge is from a small merchant who uses SumUp to take card payments. This descriptor appears because banks display a shortened payment code instead of the full company name.

Is SUMUP a scam?

SumUp is a well-known, legitimate company. Most charges from this merchant are authorised and relate to purchases or subscriptions you signed up for. If you don't recognise the charge, check your email for a receipt or log into your SumUp account to review recent activity.

Why is SUMUP on my bank statement?

SUMUP appears on your statement because SumUp processed a payment through their card payment provider. The code is set by their payment processor and is the official descriptor registered with Visa or Mastercard. Common reasons include a subscription renewal, a one-off purchase, or a trial period that has converted to a paid plan.

How do I cancel SUMUP?

To stop SUMUP charges from appearing on your statement, you need to cancel your SumUp subscription or account. Log in to the SumUp website, go to your account settings, and cancel your subscription. If you cannot find the cancellation option or do not recognise the charge, contact your bank to dispute it and block future payments.

How do I get a refund for a SUMUP charge?

If you believe you have been charged incorrectly by SumUp, first contact their customer support to request a refund. If they are unresponsive or unhelpful, contact your bank and ask to raise a chargeback. You typically have up to 120 days from the transaction date to raise a chargeback claim. For credit card purchases over £100, you may also be protected under Section 75 of the Consumer Credit Act.

For more information about SumUp and all its known transaction codes, visit the SumUp merchant page.