SumUp Promo Code 2026: Discount on Card Readers & Fees

SumUp is an Irish fintech founded in 2012 in Dublin that became the global leader in mobile card readers for very small businesses. Present in 35+ countries and used by more than 4 million merchants, the company was valued at $8 billion at its last funding round.

The business model is simple: no subscription, no commitment, no monthly fees — you buy your reader once and pay 1.75% per transaction. This "pay-as-you-go" model has won over millions of independents, tradespeople, market traders and mobile professionals.

SumUp is sold both directly online and through wide retail distribution networks across its markets.

SumUp offers a progressive range of readers suited to every level of need:

SumUp Air: a compact Bluetooth reader paired with your smartphone. The ideal entry-level option for beginners or low volumes.

SumUp Solo Lite / Solo: standalone readers with a built-in 4G SIM, working without a smartphone. The Solo has a bigger battery and better performance than the Solo Lite.

SumUp Terminal: an advanced device with a built-in receipt printer, large screen and till-management features — for shops and restaurants with steady customer flow.

For merchants taking more than €1,100 per month, SumUp offers SumUp One at €19/month. This subscription radically changes the economics:

• Transaction fees: 0.89% instead of 1.75% — a 49% reduction
• SumUp business account included (IBAN) with free incoming SEPA transfers
• 3 free ATM withdrawals per month
• Access to advanced features of the SumUp Pro till

The break-even point is easy to calculate: above €1,100 in monthly takings, the SumUp One subscription is cheaper than the no-subscription 1.75% plan. At €5,000/month, the saving reaches €43 per month (i.e. €516/year).

SumUp has built an integrated business account (available in the SumUp app) that naturally complements the card reader. This account offers:

• An IBAN — to receive the payouts from your card transactions
• Free incoming SEPA transfers
• 3 free ATM withdrawals/month (as part of the SumUp One subscription)
• A Mastercard Business card linked to the account

This account is especially handy for centralising cash flow: your card takings are paid directly into your SumUp account, and you can transfer them to your main bank or spend straight from the Business card.

For freelancers wanting more advanced management (invoicing, accounting, VAT), solutions like Qonto or Revolut Business offer extra features. SumUp suits merchants who want a simple account paired with their card reader.

The SumUp benefits available via a promo code or partner link:

• Reader offered: the SumUp Air offered with a SumUp One subscription (recurring offer)
• Hardware discount: €10 to €30 off a reader during a promotional campaign
• Free fees for the first months: a trial period with reduced or waived transaction fees
• Starter kit: reader + accessories (stand, case) at a preferential price

SumUp ramps up its promotional campaigns in January (new businesses), in spring (seasonal market season) and in September (return of service-sector professionals). Our partner link is kept up to date to guarantee the current active offer.

To compare with a French competitor, the offers from Smile and Pay (1.55%/transaction) are worth analysing side by side.

SumUp is particularly well suited to restaurants, bars, food trucks and bakeries thanks to its standalone 4G readers (Solo, Terminal). These businesses can take payments at the table and on the terrace without relying on a Wi-Fi connection.

The SumUp Terminal with built-in printer is the premium option for restaurants: it prints the customer receipt directly, handles tips (tip-screen feature) and integrates with partner till software (SumUp Pro, Lightspeed and others).

For food trucks and mobile points of sale, the SumUp Solo is the ideal balance: a standalone 4G reader, long battery life, light and portable. The built-in 4G SIM guarantees connectivity at markets, festivals and events, even without Wi-Fi.

For international payouts and multi-currency, Payoneer and Wise are complementary tools.

SumUp is one of the most popular card readers among independents by volume — its brand awareness, wide distribution and partnerships make it ubiquitous. The simplicity of the model (one-off purchase + 1.75%) and the reliability of the hardware are regularly praised in customer reviews.

Strengths: global leadership and brand strength, a full range from a simple Bluetooth reader to a restaurant terminal, a business account with IBAN included, presence in 35+ countries (useful for merchants who travel or export).

Limits: the 1.75% fee is slightly higher than Smile and Pay (1.55%) on the no-subscription plan. SumUp One at €19/month only pays off above €1,100 in monthly takings. The integrated till logic (product and stock management) is less powerful than dedicated solutions like Lightspeed.

Before ordering a SumUp reader, here are the points to check:

Type of business: SumUp is compatible with most commercial activities — but some regulated-risk activities (gambling, financial products, adult) are excluded under the terms and conditions.

Expected volume: work out whether the no-subscription 1.75% plan or SumUp One at €19/month (→ 0.89%) suits you better. The break-even point is €1,100/month in takings.

Need for a printer: if you need to print customer receipts, only the SumUp Terminal does this natively. The Air and Solo have no built-in printer.

Till software compatibility: if you already use specific till software, check the available integrations with SumUp before buying.

SumUp was founded in 2012 in Dublin, Ireland, by Marko Colombo, Daniel Klein and Stefan Jeschonnek. The startup grew quickly across Europe, taking advantage of favourable regulation and a small-business market largely unaddressed by the big banks.

In 2022, SumUp raised €590M at an $8 billion valuation, cementing its position as global leader in this segment. The same year, SumUp launched its integrated business account (SumUp Business Account) to complement the card-reader offer.

In 2026, SumUp is present in 35+ countries with 4M+ active merchants. The company keeps enriching its ecosystem (Pro till, accounting integrations, delivery solutions for restaurants) to compete with players like myPOS, Lightspeed and Square across European markets. For similar needs, compare also with myPOS, which offers a competing range.