Payment Methods

Learn which SumUp online payment methods you can offer, how availability works, and which integration path to start with.

SumUp supports cards, wallets, bank redirects, bank debits, real-time payment methods, vouchers, and buy now, pay later payment methods. Use this page to understand which payment methods SumUp can offer, how they behave in a checkout, and where to start your integration.

If you’re deciding what to build first, start with Payment Widget for an embedded checkout experience.

Payment method families:

Cards
Wallets
Bank redirects
Bank debits
Real-time payments
Vouchers

Before You Start

The payment methods you can offer depend on more than the payment method itself. In practice, availability depends on your merchant setup and on the specific checkout you create.

Merchant country and onboarding status determine which methods can be enabled for your account.
Checkout currency, amount, and product can change the set of methods returned for a specific checkout.
Some methods redirect the customer away from your site or return payment artifacts such as QR codes or vouchers instead of completing immediately.

Treat the payment methods returned for a checkout as the source of truth for that checkout.

Cards

Cards are the baseline online payment option. For Europe, the United Kingdom, and Chile, SumUp supports the following card schemes. Brazil also supports Elo and some additional niche local card schemes.

Cards are the simplest place to start if you want broad coverage with a single integration. For most websites, use the Payment Widget or Swift Checkout.

Visa

Availability:

Visa(Opens in a new tab) is one of the most widely accepted global card networks for online debit and credit card payments.

Visa Electron

Availability:

Visa Electron(Opens in a new tab) is a Visa debit card product commonly used for consumer card payments in supported markets.

V Pay

Availability:

V Pay(Opens in a new tab) is Visa’s European debit card scheme designed for regional card acceptance.

Mastercard

Availability:

Mastercard(Opens in a new tab) is a global card network used for both credit and debit card payments.

Maestro

Availability:

Maestro(Opens in a new tab) is Mastercard’s debit card brand for everyday consumer payments.

American Express

Availability:

American Express(Opens in a new tab) is a global card network widely used for consumer and business card payments.

Discover

Availability:

Discover(Opens in a new tab) is an international card network that can be used for online card payments in supported markets.

JCB

Availability:

JCB(Opens in a new tab) is a global card network originating in Japan and accepted for online payments in supported regions.

Elo

Availability:

Elo(Opens in a new tab) is a Brazilian card scheme supported for online payments in Brazil. Additional niche local card schemes may also be supported.

Wallets

Wallets provide a faster checkout experience by reusing saved payment details or wallet balances.

Wallets are useful when you want faster checkout on mobile and supported browsers. Apple Pay and Google Pay can be offered through Payment Widget, through the Swift Checkout SDK, or through their dedicated direct integration guides.

Apple Pay

Availability:

Apple Pay(Opens in a new tab) is Apple’s wallet-based checkout experience for Safari and Apple devices.

Google Pay

Availability:

Google Pay(Opens in a new tab) is Google’s wallet checkout option for supported browsers, devices, and Android surfaces.

PayPal

Availability:

PayPal(Opens in a new tab) lets customers authorize payments using their PayPal account instead of entering card details directly.

SumUp Pay

Availability:

SumUp Pay(Opens in a new tab) is SumUp’s own payment experience for returning customers within the SumUp ecosystem.

BANCOMAT Pay

Availability:

BANCOMAT Pay(Opens in a new tab) is an Italian account-linked mobile payment method operated by BANCOMAT.

Bank Redirects

Bank redirect methods send the customer to their bank or local payment network to approve the payment.

These methods usually require you to handle a pending status and send the customer through an additional authorization step. Payment Widget handles this checkout experience for the customer.

Bancontact

Availability:

Bancontact(Opens in a new tab) is Belgium’s domestic online payment method for redirect-based checkout.

Blik

Availability:

Blik(Opens in a new tab) is a Polish payment method that lets customers confirm payments through their banking app.

EPS

Availability:

EPS(Opens in a new tab) is an Austrian online bank redirect method commonly used for domestic ecommerce payments.

iDeal

Availability:

iDeal(Opens in a new tab) is the Netherlands’ most widely used online banking payment method for ecommerce.

MyBank

Availability:

MyBank(Opens in a new tab) is a European online bank payment scheme that redirects customers to authorize the transaction with their bank.

Przelewy24

Availability:

Przelewy24(Opens in a new tab) is a Polish online bank redirect method and payment network for local ecommerce checkout.

TWINT

Availability:

TWINT(Opens in a new tab) is a Swiss mobile payment method that supports wallet-style and bank-linked payments.

Bank Debits

Bank debit methods collect funds directly from the customer’s bank account.

Bank debit methods can require additional customer details depending on the checkout flow.

Real-Time Payments

Real-time payment methods confirm funds immediately and are commonly used for local account-to-account payment flows.

Some real-time methods return payment artifacts such as QR codes instead of using a browser redirect.

PIX

Availability:

PIX(Opens in a new tab) is Brazil’s instant payment system for real-time account-to-account transfers.

QR Code powered by PIX

Availability:

QR Code powered by PIX(Opens in a new tab) lets customers complete a PIX payment by scanning a generated QR code.

Vouchers

Voucher-based methods generate a payment artifact that the customer uses to complete the purchase.

Voucher methods are asynchronous by nature and rely on a payment artifact that the customer uses to complete the payment.

Boleto

Availability:

Boleto(Opens in a new tab) is a Brazilian voucher-based payment method where the customer pays using a generated boleto document or barcode.