SumUp Promo Code 2026: Up to €70 Off Card Readers

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 37 countries and used by more than 4 million merchants, the company was valued at $8 billion at its €590M funding round, then closed a record €1.5 billion refinancing led by Goldman Sachs — and is preparing an IPO targeting more than $10 billion.

The business model is simple: no subscription, no commitment, no monthly fees — you buy your reader once and pay 1.75% per in-person transaction (2.50% online). 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.

The range has evolved: the small Bluetooth Air reader (€39), long the entry-level product, was discontinued in early 2024 — the Solo Lite, launched the same year, replaced it. Current line-up (list prices, excl. VAT):

Beware of a very common mix-up: contrary to what many comparison sites claim, the Solo Lite has no 4G SIM. It pairs over Bluetooth with a smartphone or tablet and does not work on its own — it is the direct successor to the Air, not a cut-down Solo. Compact format (83 × 83 mm, 126 g), Gorilla Glass touchscreen, USB-C charging. A Solo Lite + charging station bundle is sold at €44.

The Solo is the first genuinely standalone model: built-in SIM with free unlimited mobile data, automatic switching to the strongest available network, charging station included. Its printer version prints 800 receipts on a single charge, and the printer doubles as the charging dock — both devices recharge fully in an hour.

The Terminal adds a large screen, a built-in printer and till features for shops and restaurants. Finally, Tap to Pay on smartphone lets you take payments with no hardware at all — the only truly free option in the range.

SumUp's monthly subscription is now called Payments Plus (formerly "SumUp One"): €19/month, no commitment, with a 7-day free trial and one month free when you buy a Solo.

• Transaction fees: 0.89% instead of 1.75% in person — but only on standard consumer cards; premium, business and non-EU cards stay at 1.75%, online payments at 2.50%
• SumUp business account with free incoming SEPA transfers
• Advanced till features

The break-even point is higher than often claimed: at the maximum spread (0.86 points), the subscription pays for itself around €2,200 in monthly takings, and SumUp officially recommends it "from €2,600/month". Below that, stick to the no-subscription 1.75% plan.

Two details from the official pricing grid that rarely get quoted: payments made with a SumUp card are charged 0%, and above €10,000 in monthly revenue SumUp moves you to a "Custom" plan with negotiated rates and a dedicated account manager.

SumUp has built a free integrated business account (€0/month, available in the SumUp app) that naturally complements the card reader:

• A dedicated IBAN to receive the payouts from your card transactions — issued in Ireland (IE) for French customers, still a SEPA IBAN accepted throughout the EU
• Free incoming SEPA transfers and a free physical + virtual Mastercard Business card
• Cash deposits at partner merchants since December 2025

The SumUp business account now holds more than €1 billion in deposits across Europe. Handy for centralising cash flow: your card takings land directly on the account, ready to transfer to your main bank or spend with the card — and payments made with that SumUp card carry no fees at all.

Three paid modules can be bolted on if needed: Till Plus at €39/month, Business Account Plus at €25/month and Invoices Plus at €10/month. None is mandatory: the free tier is enough to take payments and receive your funds.

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 actually available right now:

• Merchant referral programme (our link): readers at a knock-down price for the referred friend — Tap to Pay €0, Solo Lite €20, Solo €40, Terminal €99 — and €30 for the referrer per equipped friend. That figure is written into the parameters of SumUp's own referral URL (`reward=30`).
• SumUp Pay for individuals: €10 for you and €10 for your friend once they open a verified account and make 3 in-store card payments totalling at least €10 within 30 days — up to 10 friends, so €100 maximum. This is where the "up to €100" copied all over the web comes from: it belongs to the consumer programme, not to the discount on a reader.
• One month of Payments Plus free when buying a Solo, on top of the 7-day trial
• Seasonal campaigns: SumUp runs its own Black Friday on readers and on its merchants' E-shops — that is when list prices genuinely move

Beware of the "-55%" or "-64%" advertised by coupon aggregators: those codes do not exist on sumup.com. The pseudo-code "CRPRT2AEUR" doing the rounds is simply the `prc` parameter of the referral URL — there is nowhere to type it. As of 23 July 2026 there is no official promotion on the Solo Lite: its list price remains €34, with no struck-through price.

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

Careful: the phrase "SumUp promo code" covers two very different needs. If you are a merchant looking to create a discount code for your own customers, here is how it works — and it is what half the Google results for this query actually cover, starting with SumUp's own guide.

In your SumUp E-shop (online store), under Promo codes:

1. Select the items included in the campaign

2. Name the code yourself (for example `BLACKFRIDAY50`) or let SumUp generate it

3. Pick the benefit: a percentage discount (-10%, -20%, -50% or more) or free shipping

4. Set the activation period (Black Week, Christmas, sales…)

5. Cap how many codes go out — SumUp explicitly recommends working out the impact on your revenue first

At the till (in-person payments) the logic is different: there is no code to type, you apply the discount to the sale itself. SumUp lets you discount the whole order or a single item, either as a fixed amount or a percentage. For discounts you grant often (student rate, trade price, goodwill gesture), set up predefined discounts — one tap instead of re-entering the amount every time.

Not to be confused: the codes you create only work in your own shop. They have no effect on the price you pay for the reader itself, which comes solely from the referral link described above.

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.

The entry price does not tell the whole story: the Solo Lite at €34 and the Mini Smile at €39 both need a smartphone, whereas the first genuinely standalone SumUp is the Solo at €79. Zettle belongs to PayPal, which helps if you already take payments online through PayPal. For international payouts and multi-currency, Payoneer and Wise are complementary tools.

SumUp is one of the most widely used 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 financial strength (€1.5B refinancing, IPO in preparation), a full range from hardware-free Tap to Pay to a restaurant terminal, a business account with IBAN included, presence in 37 countries, a 30-day money-back guarantee on every reader.

Limits: the 1.75% fee is slightly higher than Smile and Pay (1.55%) on the no-subscription plan. Payments Plus at €19/month only pays off above €2,200-2,600 in monthly takings, and its reduced rate does not cover premium or foreign cards. The Solo Lite, often presented as a standalone reader, actually depends on a smartphone. And the integrated till logic remains less powerful than dedicated solutions like Lightspeed.

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

How standalone you need it to be: if you take payments with no smartphone at hand (market stall, terrace, on the road), the €34 Solo Lite will not do — it runs over Bluetooth tethered to a phone. The first standalone model with a 4G SIM is the Solo, at €79.

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 Payments Plus at €19/month (→ 0.89% on standard cards) suits you better. The break-even point sits around €2,200-2,600/month in takings.

Need for a printer: only the Solo with printer (€109) and the Terminal (€169) print receipts natively; the Solo Lite and standard Solo send receipts by SMS or email.

Prices exclude VAT: every hardware price SumUp advertises is excl. VAT. Add your local rate if you cannot reclaim it — at the French 20% rate, the €169 Terminal comes to €202.80.

Till software compatibility: if you already use specific till software, check the available integrations with SumUp before buying. If you get it wrong, the money-back guarantee runs 30 days from purchase.

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, then closed a record €1.5 billion refinancing led by Goldman Sachs — and is studying an IPO (London, Amsterdam or Frankfurt) targeting more than $10 billion. Its business account now holds over €1 billion in deposits, and cash deposits at partner points launched in late 2025 in France, the UK, Italy and Spain.

The product range followed the same path: the historic Air reader was discontinued in early 2024, the Solo Lite launched to replace it, and Tap to Pay on smartphone then removed the need for hardware altogether.

In 2026, SumUp is present in 37 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.