What Is a "SumUp" Charge on My Bank Statement?

SumUp is a mobile card payment system used by small businesses, market traders, and sole traders — particularly in Europe and the UK. A SumUp charge means you paid at a small merchant.

Plain-English explanation

SumUp makes small card readers for independent businesses — farmers market vendors, hairdressers, personal trainers, and similar traders. Your statement may show 'SumUp' with or without the merchant name depending on how they configured their account. Very common in the UK, Germany, and across Europe.

Most common reasons this appears

• Card payment at a market stall, pop-up, or street vendor using SumUp
• Small business like a hairdresser, gym instructor, or tradesperson
• Food truck or mobile coffee vendor using SumUp

How to verify this charge

• Think about recent in-person payments at small or independent businesses.
• Check the amount against any cash-register or digital receipt you received.
• Contact SumUp support at sumup.com if you cannot identify the merchant.

When to be concerned

• You haven't visited any small businesses recently.
• Amount doesn't match any purchase you recall.
• Charge appeared without any in-person interaction.

Part of: Payment processors & POS →