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Cross-checked against the FCA + EBA registers

Licensed EMIsSee verified EMIs
SumUp Payments Limited logo

SumUp Payments Limited

United Kingdom
2.8(296 ratings)ActiveEMI
View on register

Regulator

Financial Conduct Authority

Licence number

900700

Authorised since

01 May 2018

EEA passports

0

Profile rates

Data-derived · A is broadest

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

Reach
DomesticTier D

No EEA passporting on record.

Scope
SpecialistTier C

Authorised for 3 payment-services activities.

Tenure
MatureTier B

Authorised 8 years ago.

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. SumUp Payments Limited holds a current UK e-money licence, reference 900700, granted 1 May 2018 by the FCA. It is authorised to issue electronic money, distribute and redeem it, and safeguard customer funds.

No EEA passporting is on record; the licence does not cover other host states.

Data note: licence granted date is recorded; operational status is active. The register lists licence reference 900700 as active as of the last cross-check.

Licence timeline

3 dated events

Dated events for SumUp Payments Limited, from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.

  1. Cross-checked against the Financial Conduct Authority register

    Automated daily verification of licence status and reference.

  2. First verified and added to this directory

  3. Licence granted by the Financial Conduct Authority

Position in the United Kingdom register

United Kingdom EMIs

474

Active

289

Full / small licences

403 / 71

Licence age rank

47/287

SumUp Payments Limited is one of 474 e-money institutions on the United Kingdom register, 289 of which are currently active. Its licence is the 47th oldest of the 287 dated United Kingdom EMI authorisations, one of 112 granted in 2018.

Is your money safe with SumUp Payments Limited?

SumUp Payments Limited holds an e-money authorisation from Financial Conduct Authority, which means client money must be safeguarded: held separately from the firm's own funds at a credit institution, or covered by an equivalent insurance policy. E-money is not a bank deposit - it is not covered by the FSCS, so there is no automatic compensation payout if the firm fails.

If an authorised EMI becomes insolvent, safeguarded funds sit outside the insolvency estate and are returned to customers by the administrator - repayment can take time, and administration costs may be deducted along the way.

How e-money safeguarding works → Verify on the register →

Authorised activities (PSD2 / EMD2)

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

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

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.

Other licensed institutions in United Kingdom

View all institutions in United Kingdom →

Ratings & reader notes

296 ratings · 0 written notes

2.8(296 ratings)
  • 5★44
  • 4★63
  • 3★48
  • 2★68
  • 1★73

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