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?

A charge from this merchant may relate to a purchase, subscription, trial or another transaction. Only you and your bank can confirm whether a payment was authorised. It may help to 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 this entry, contact your bank or card issuer and ask them to confirm the transaction and merchant details. Only you and your bank can confirm whether a payment was authorised.
  4. Contact your bank: If the merchant does not resolve the issue, contact your bank or card issuer using the number on the back of your card. They can explain what options may be available and what information they need.

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?

A charge from this merchant may relate to a purchase, subscription, trial or another transaction. Only you and your bank can confirm whether a payment was authorised. It may help to 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?

If you do not recognise this entry, contact your bank or card issuer and ask them to confirm the transaction and merchant details. Only you and your bank can confirm whether a payment was authorised.

How do I get a refund for a SUMUP charge?

If you cannot resolve this with the merchant, contact your bank or card issuer. They can explain what options may be available for this type of payment and whether any time limits apply.

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