SumUp Payment Links
SumUp Payment Links lets businesses collect online payments by sharing a link, without needing a website or card reader.
What SumUp Payment Links is
SumUp Payment Links lets businesses collect online payments by sharing a link, without needing a website or card reader. Merchants can make links for fixed or open amounts, reuse them, set expiration dates, and let customers add tips or notes. They can share links through Instagram, WhatsApp, SMS, email, or show them as QR codes. Customers pay on a secure online page without an app or account. The SumUp Business App shows whether links are paid or outstanding and lets merchants resend unpaid links; payments appear in the merchant’s account with a push notification. SumUp lists Mastercard, Visa, American Express, Diners Club, Discover, and UnionPay. Its support instructions cover creating links in a browser, app, POS Lite, or SumUp Register. The company says links use 3D Secure 2 and its software and hardware meet, and often exceed, PCI-DSS standards. Plug-in integrations, APIs, and a payment widget are also described for online payments; recurring payments can be enabled through the API.
Good
- No website or card reader needed to collect payment.
- Links can be shared through messaging and social channels.
- Customers need no app or account to pay.
- Fixed and open amounts, expiration dates, tips, and notes are supported.
- QR codes can display payment links.
Watch out
- Free plan charges 2.50% per transaction.
Who it suits
It suits businesses taking remote payments for delivery, freelance work, click-and-collect, social media sales, billing, or phone orders. It may also suit merchants who want to track outstanding links in the SumUp Business App.
Verdict
SumUp Payment Links covers link-based payment collection, tracking, and QR sharing. Its free option has a 2.50% transaction fee, while paid plans start at £19/mo.
Plans and prices
From SumUp Payment Links's own pricing page, checked 15 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Pay-as-you-go | Free | Payment Links · no monthly minimum · online payments · No monthly fee; 2.50% per Payment Link transaction |
| Payment Links | Free | No monthly fee · 2.50% transaction fee · No monthly costs; 2.50% per transaction |
| Payments Plus | £19 a month | Payment Links remain 2.50% per transaction · lower in-person rates · priority support · £19/month; free for 7 days |
| Payments Plus annual | £189 a year | Payment Links remain 2.50% per transaction · lower in-person rates · priority support · £189/year |
The facts
Each one read from SumUp Payment Links's own pages, with the date it was checked.
What it does
- Amount types
- The creation flow supports fixed-amount links and open-amount links where the customer enters the amount.checked 15 Oct 2026
- Client SDKs
- The developer portal also points to React Native and Swift Checkout SDKs.checked 15 Oct 2026
- Customer account requirement
- Customers can pay on a secure page without downloading an app or creating an account.checked 15 Oct 2026
- Customer checkout
- Customers can pay through a secure online page without downloading an app or creating an account.checked 3 Oct 2026
- Expiration
- Merchants can set an expiration date for a payment link.checked 15 Oct 2026
- Funding news
- SumUp announced €285 million in funding led by Sixth Street Growth on 11 December 2023.checked 15 Oct 2026
- Integration plugins
- Official plugins are documented for WooCommerce, PrestaShop, Wix, Medusa and Vendure.checked 15 Oct 2026
- 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.checked 3 Oct 2026
- Intended users
- SumUp describes use cases including home delivery, freelancers, click-and-collect, social media selling, billing and phone orders.checked 3 Oct 2026
- Legal entity
- The UK support footer identifies SumUp Payments Limited as authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011.checked 15 Oct 2026
- Limit: inventory integration
- A G2 reviewer says SumUp inventory cannot be integrated into their online store.checked 15 Oct 2026
- Limit: outages and reporting
- Capterra reviewers mention occasional outages and say sales reports can require manual spreadsheet work.checked 15 Oct 2026
- 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.checked 15 Oct 2026
- Limit: support responsiveness
- G2 reviewers mention slow phone support, while App Store reviews describe support as ineffective during operational problems.checked 15 Oct 2026
- Link options
- Merchants can create fixed or open amount links, reuse links, set expiration dates, and let customers add tips or notes.checked 3 Oct 2026
- Link tracking
- The SumUp Business App shows which links are paid or outstanding and lets merchants resend unpaid links.checked 3 Oct 2026
- Notifications
- The merchant receives a push notification when a linked payment arrives.checked 15 Oct 2026
- One-time links
- Merchants can create links intended for a single payment.checked 15 Oct 2026
- Payment fee
- The UK help centre states that Payment Links cost 2.5% for every completed transaction.checked 15 Oct 2026
The company
- Company background
- SumUp says it started in 2012 and that more than 4 million businesses use its tools.checked 3 Oct 2026
- Company founded
- LinkedIn states that SumUp was founded in 2012.checked 15 Oct 2026
- Company headquarters and size
- LinkedIn lists London headquarters and a company size of 1,001–5,000 employees.checked 15 Oct 2026
- Company reach
- LinkedIn says SumUp serves more than 4 million merchants in 37 markets.checked 15 Oct 2026
- Founded
- 2012checked 28 Sep 2026
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