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SumUp Payment Links

sumup.com

From £15.75/mo Free plan WebiOSAndroidAPI
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Spec score 8.6 #10 of 32 in Payment Link Software

What it is

SumUp Payment Links lets businesses collect online payments by sharing a link, without needing a website or card reader. Merchants can create links for fixed or open amounts, reuse them, set expiration dates and allow tips or notes. Links can be sent through Instagram, WhatsApp, SMS and email, or shown as QR codes. Customers pay on a secure page without downloading an app or creating an account. The SumUp Business App shows which links are paid or outstanding and lets merchants resend unpaid ones; after a payment, the merchant’s account is updated with a push notification. Listed payment methods are Mastercard, Visa, American Express, Diners Club, Discover and UnionPay. Link creation is supported in a browser, app, POS Lite and SumUp Register. SumUp says links use 3D Secure 2. The free plan has no monthly fee and charges 2.50% per transaction; paid plans start at £19/mo.

Spec sheet

What it does
Payment Links creates secure online checkout links that merchants share so customers can pay without a website, online store, card reader or SumUp app.Read 15 Oct 2026 · sumup.com
Intended users
SumUp describes use cases including home delivery, freelancers, click-and-collect, social media selling, billing and phone orders.Read 3 Oct 2026 · sumup.com
Security
SumUp says every payment link is protected by 3D Secure 2.Read 3 Oct 2026 · sumup.com
Founded
2012Read 28 Sep 2026 · sumup.com
Amount types
The creation flow supports fixed-amount links and open-amount links where the customer enters the amount.Read 15 Oct 2026 · help.sumup.com
Client SDKs
The developer portal also points to React Native and Swift Checkout SDKs.Read 15 Oct 2026 · developer.sumup.com
Company background
SumUp says it started in 2012 and that more than 4 million businesses use its tools.Read 3 Oct 2026 · sumup.com
Company founded
LinkedIn states that SumUp was founded in 2012.Read 15 Oct 2026 · linkedin.com
Company headquarters and size
LinkedIn lists London headquarters and a company size of 1,001–5,000 employees.Read 15 Oct 2026 · linkedin.com
Company reach
LinkedIn says SumUp serves more than 4 million merchants in 37 markets.Read 15 Oct 2026 · linkedin.com
Customer account requirement
Customers can pay on a secure page without downloading an app or creating an account.Read 15 Oct 2026 · sumup.com
Customer checkout
Customers can pay through a secure online page without downloading an app or creating an account.Read 3 Oct 2026 · sumup.com
Expiration
Merchants can set an expiration date for a payment link.Read 15 Oct 2026 · help.sumup.com
Funding news
SumUp announced €285 million in funding led by Sixth Street Growth on 11 December 2023.Read 15 Oct 2026 · sumup.com
Integration plugins
Official plugins are documented for WooCommerce, PrestaShop, Wix, Medusa and Vendure.Read 15 Oct 2026 · developer.sumup.com
Integrations and API
SumUp's online payments page describes plug-in integrations, APIs and a payment widget, and says recurring payments can be enabled with its API.Read 3 Oct 2026 · sumup.com
Legal entity
The UK support footer identifies SumUp Payments Limited as authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011.Read 15 Oct 2026 · help.sumup.com
Limit: inventory integration
A G2 reviewer says SumUp inventory cannot be integrated into their online store.Read 15 Oct 2026 · g2.com
Limit: outages and reporting
Capterra reviewers mention occasional outages and say sales reports can require manual spreadsheet work.Read 15 Oct 2026 · capterra.com
Limit: payout delays
G2 reviewers report that payouts sometimes changed from next-day delivery to three or four days and that cutoff times can delay access to funds.Read 15 Oct 2026 · g2.com
Limit: support responsiveness
G2 reviewers mention slow phone support, while App Store reviews describe support as ineffective during operational problems.Read 15 Oct 2026 · g2.com
Link options
Merchants can create fixed or open amount links, reuse links, set expiration dates, and let customers add tips or notes.Read 3 Oct 2026 · help.sumup.com
Link tracking
The SumUp Business App shows which links are paid or outstanding and lets merchants resend unpaid links.Read 3 Oct 2026 · sumup.com
Notifications
The merchant receives a push notification when a linked payment arrives.Read 15 Oct 2026 · sumup.com
One-time links
Merchants can create links intended for a single payment.Read 15 Oct 2026 · help.sumup.com
Payment fee
The UK help centre states that Payment Links cost 2.5% for every completed transaction.Read 15 Oct 2026 · help.sumup.com
Payment methods
The Payment Links page displays Mastercard, Visa, American Express, Diners Club, Discover and UnionPay as payment methods.Read 3 Oct 2026 · sumup.com
Payment tracking
The Business app lists paid and outstanding links and can resend unpaid links with one tap.Read 15 Oct 2026 · sumup.com
Payout notifications
After a customer pays, SumUp says the payment appears in the merchant's account with a push notification.Read 3 Oct 2026 · sumup.com
Praise: ease of use
Reviewers on G2 and Capterra repeatedly describe setup, payment handling and everyday use as easy or quick.Read 15 Oct 2026 · g2.com
Praise: mobility and payment choice
Independent reviewers praise mobile selling, Apple Pay or tap payments, multiple card methods and electronic receipts.Read 15 Oct 2026 · capterra.com
QR codes
The service can display a QR code for customers to scan and pay in person.Read 15 Oct 2026 · help.sumup.com
Rating on Apple App Store
3.8 out of 5 from 11 ratings for SumUp POS.Read 15 Oct 2026 · apps.apple.com
Rating on Capterra
4.8 out of 5 from 17 reviews for SumUp Point of Sale.Read 15 Oct 2026 · capterra.com
Rating on G2
4.6 out of 5 from 24 reviews.Read 15 Oct 2026 · g2.com
Rating on GetApp
4.5 out of 5 from about 1,200 reviews.Read 15 Oct 2026 · getapp.com
Rating on Google Play
4.3 out of 5 from 4.52K reviews for SumUp Personal Finance.Read 15 Oct 2026 · play.google.com
Rating on Trustpilot
4.2 out of 5 from 59,787 reviews.Read 15 Oct 2026 · trustpilot.com
REST API
The public REST API supports creating and processing payments plus managing customers, payment instruments, transactions, payouts and receipts.Read 15 Oct 2026 · developer.sumup.com
Reusable links
A reusable-link setting allows the same link to be shared with different customers on separate occasions.Read 15 Oct 2026 · help.sumup.com
Sandbox
Developers can create a sandbox merchant account and API key to test without processing real transactions.Read 15 Oct 2026 · developer.sumup.com
SDK coverage
Official server SDKs are offered for JavaScript, Go, Python, Java, PHP, Rust and .NET, alongside a CLI.Read 15 Oct 2026 · developer.sumup.com
SDK licence
The public Node.js and iOS SDK repositories identify Apache-2.0 licensing.Read 15 Oct 2026 · github.com
Security compliance
SumUp says its software and hardware meet, and in many cases exceed, PCI-DSS security standards.Read 3 Oct 2026 · help.sumup.com
Security for links
SumUp states that every Payment Link transaction uses 3D Secure 2 to verify the customer and reduce fraud.Read 15 Oct 2026 · sumup.com
Security standards
SumUp says its software and hardware meet or exceed PCI-DSS requirements and use encrypted transmission and storage controls.Read 15 Oct 2026 · help.sumup.com
Self-hosting
Payment Links is delivered as SumUp-hosted checkout infrastructure; the product pages do not describe a self-hosted deployment.Read 15 Oct 2026 · sumup.com
Share channels
Links can be shared through channels such as Instagram, WhatsApp, SMS and email.Read 3 Oct 2026 · sumup.com
Sharing channels
Merchants can distribute links through Instagram, WhatsApp, SMS, email and other communication channels.Read 15 Oct 2026 · sumup.com
Supported creation surfaces
SumUp's support instructions list the web browser, app, POS Lite and SumUp Register for creating payment links.Read 3 Oct 2026 · help.sumup.com
Tips and notes
Checkout options let merchants allow tips and customer notes.Read 15 Oct 2026 · help.sumup.com
Webhooks
Checkout status changes are delivered by HTTP POST webhooks, with retries after non-2xx responses.Read 15 Oct 2026 · developer.sumup.com

Plans and prices

Pay-as-you-go Free No monthly fee; 2.50% per Payment Link transaction Payment Links · no monthly minimum · online payments Read 15 Oct 2026 · sumup.com
Payment Links Free No monthly costs; 2.50% per transaction No monthly fee · 2.50% transaction fee Read 3 Oct 2026 · sumup.com
Payments Plus £19 a month £19/month; free for 7 days Payment Links remain 2.50% per transaction · lower in-person rates · priority support Read 15 Oct 2026 · sumup.com
Payments Plus annual £189 a year £189/year Payment Links remain 2.50% per transaction · lower in-person rates · priority support Read 15 Oct 2026 · sumup.com

Every SumUp Payment Links plan and price →

Strong points and limits

Strong points

  • Customers need no app or account to pay.
  • Links can be shared through messaging and social channels.
  • QR code sharing is available.
  • Merchants can resend unpaid links.
  • Free plan has no monthly fee.

Limits

  • Free plan charges 2.50% per transaction.
  • Paid plans start at £19/mo.
  • Customers must pay through an online page.

Who it suits

It suits businesses that want to take online payments through shared links, including freelancers, home delivery, click-and-collect, social selling, billing and phone orders. It may also suit merchants who want to track outstanding links through the SumUp Business App.

Verdict

Payment Links provides several ways to create and share payment requests, with link status visible in the SumUp Business App. Review the 2.50% transaction fee on the free plan and the paid-plan starting price before deciding.

Where Specifiction places it

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