What is SumUp on My Bank Statement?

A SumUp entry on your bank statement is usually a card payment to a small business or trader who uses a SumUp card machine. SumUp is a card-reader payment company, so the charge is a purchase you made from a merchant using their device — much like Zettle.

Here's how to identify the payment and what to do if you don't recognise it.

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Key Takeaways

• SumUp is a card-payment company whose readers are used by small shops, market traders and mobile businesses.
• A SumUp line means you paid a merchant using their SumUp card machine — the charge is really from that trader.
• It works much like Zettle, so the payment may show SumUp or the trader's name.
• If you don't recognise a SumUp charge, check receipts, contact the merchant, then contact your bank.

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What is SumUp on my bank statement?

SumUp is a card-reader payment company. Small businesses use SumUp's card machines and app to accept card payments, so when you pay one of them, the transaction can be processed through SumUp.

That's why it appears on your statement. The charge is a genuine purchase from a merchant — SumUp is simply the technology that took the payment.

Why a SumUp charge appears on your statement

You'll see SumUp because you bought something from a business that uses its card readers. These tend to be smaller or mobile traders, including:

• Independent shops and cafes taking card at the counter.
• Market stalls and street vendors.
• Tradespeople and mobile services — for example a hairdresser, plumber or driving instructor.
• Pop-ups, fairs and events where vendors use portable readers.

The statement narrative may show "SumUp" alongside the trader's name, or sometimes just one of the two, depending on how the merchant set up their account.

Is SumUp safe?

Yes. SumUp is an established, regulated payment provider, and payments through it are processed securely to the same card-security standards as other providers.

Seeing SumUp on your statement isn't a red flag in itself. It works in the same way as Zettle, which is PayPal's equivalent card-reader system.

How to identify a SumUp charge you don't recognise

If a SumUp line looks unfamiliar, work through it step by step:

• Check receipts. Match the amount and date with any receipt or confirmation you have.
• Look at the full narrative in your app. Tapping the transaction often reveals the trader's name behind the SumUp label.
• Think about where you paid by card. Small or mobile businesses are the likeliest source.
• Contact the merchant if you can identify them but want to confirm details.

If you still can't place it, or you're sure it wasn't you, contact your bank promptly in case of an error or fraud. For other unfamiliar entries, see what is this charge on my bank statement, and if you're ever asked to share account details, read is it safe to share your sort code and account number.

Frequently asked questions

Is a SumUp charge a purchase or a subscription?

It's almost always a purchase from a business using a SumUp card machine, not a subscription. The charge is really from the trader you paid.

Why doesn't the SumUp charge show the shop's name?

It depends on how the merchant set up their SumUp account. Some show the trader's name, others just "SumUp" — your banking app often reveals fuller detail.

Is SumUp the same as Zettle?

They're competitors that do the same job — card readers for small businesses. A charge from either simply means you paid a trader using their device.

What should I do if I don't recognise a SumUp payment?

Check receipts and the full narrative in your app, and try to identify the trader. If it's still unfamiliar, contact your bank.

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General information only, not financial advice. If you don't recognise a transaction, contact your bank.