# SumUp **Type:** [[Acquiring]] · [[Business Account]] **Archetype:** [[eu-sme-fintech-market-map|Integrated SME Finance]] (POS-primary) **HQ:** London, UK · EU entity: Dublin, Ireland **EU licence:** SumUp Payments Ltd — Central Bank of Ireland EMI **Founded:** 2012 **Scale:** 4M+ merchants across 36 markets **Target:** Micro-merchants, sole traders, pop-ups, market stalls, food & beverage --- SumUp is Europe's dominant micro-merchant POS brand. Its original product — a small card reader that plugs into a phone headphone jack — democratised card acceptance for the smallest businesses. Today SumUp offers a full suite from card readers to business accounts, but its identity remains anchored in simple, affordable in-person card acceptance with no monthly fee. **Core products:** - SumUp Air / Solo / Solo Printer — card readers at different price points - SumUp POS Lite / Pro — full point-of-sale system for hospitality and retail - SumUp Online Store — simple e-commerce for product-based businesses - SumUp Invoices — invoice generation and payment - SumUp Business Account + SumUp Card — business debit card; settlement goes directly to account - SumUp Capital — revenue-based financing for established SumUp merchants **Key differentiator:** No monthly fee, pay per transaction (1.69% standard). The business account keeps settlement within the SumUp ecosystem and accelerates fund access. **Connected:** [[Acquiring]] · [[eu-sme-fintech-market-map]] · [[myPOS]] · [[Revolut Business]] · [[EMD2]] · [[Visa]] · [[Mastercard]] *FintechGraphs · [[about|Who we are]]*