Is SumUp Payments Limited a licensed e-money institution?

Yes. SumUp Payments Limited holds EMI authorisation from Financial Conduct Authority in United Kingdom, licence reference 900700. Its authorisation is currently active and is cross-checked against the FCA Financial Services Register.

Who regulates SumUp Payments Limited?

SumUp Payments Limited is authorised and supervised by Financial Conduct Authority in United Kingdom. Its e-money licence and current status are listed on the FCA Financial Services Register at register.fca.org.uk.

What is SumUp Payments Limited's licence or FRN number?

SumUp Payments Limited's licence reference number is 900700. Enter it on the FCA Financial Services Register at register.fca.org.uk to confirm the institution's identity and that its authorisation is in force.

SumUp Payments Limited

2.8(296 notes)ActiveEMI

View on register

Regulator

Financial Conduct Authority

Licence number

900700

Authorised since

01 May 2018

EEA passports

Profile rates

Data-derived · A is broadest

Three named tiers comparing this institution against the rest of the European register.

Reach: DomesticTier D
Scope: SpecialistTier C
Tenure: MatureTier B

Pricing snapshot

Editorial · Standard (merchant)

Headline fees on the published free / standard plan, taken from the institution’s own fee schedule.

Plan: Standard (merchant)
Monthly fee: Free
Card issuance: Free Mastercard
Free ATM / month: Free at Mastercard ATMs
ATM fee: 0%
FX markup: 2.49% on non-GBP
SEPA transfer: Free
SWIFT transfer: Not supported

Bundled with merchant acquiring; settlement next business day.

Verified 15 Apr 2026Source ↗

About this institution

Verified active against the FCA Financial Services Register. SumUp Payments Limited holds a current UK e-money licence (reference 900700) issued in May 2018. The authorisation covers three core activities: distribution and redemption of electronic money, issuance of electronic money, and safeguarding of customer funds. These are the regulated pillars on which the entity operates within the UK regulatory perimeter.

The register records no EEA passporting reach. SumUp Payments Limited is not recorded as having exercised rights to establish branches or provide services across the EEA under this licence.

The entity's authorisation continues as active as of the last cross-check. The Financial Conduct Authority holds the authorisation record under licence reference 900700.

Authorised activities (PSD2 / EMD2)

Payment-services activities SumUp Payments Limited is permitted to carry out under its licence, as recorded in the register.

Issuance of electronic moneyEMI_ISSUANCE
Distribution and redemption of electronic moneyEMI_DISTRIBUTION
Safeguarding of customer fundsSAFEGUARDING

Frequently asked questions

Is SumUp Payments Limited a licensed e-money institution?: Yes. SumUp Payments Limited holds EMI authorisation from Financial Conduct Authority in United Kingdom, licence reference 900700. Its authorisation is currently active and is cross-checked against the FCA Financial Services Register.
Who regulates SumUp Payments Limited?: SumUp Payments Limited is authorised and supervised by Financial Conduct Authority in United Kingdom. Its e-money licence and current status are listed on the FCA Financial Services Register at register.fca.org.uk.
What is SumUp Payments Limited's licence or FRN number?: SumUp Payments Limited's licence reference number is 900700. Enter it on the FCA Financial Services Register at register.fca.org.uk to confirm the institution's identity and that its authorisation is in force.

Sourced from the FCA Financial Services Register and the EBA EUCLID register; cross-checked daily.

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