Terminal Payments

You can accept card payments using SumUp’s platform accompanied by our proprietary Card Terminals available in these European countries, Brazil, Chile and the USA. You can offer a complete user journey through the payment flow with our SDK or you can approach a lightweight integration with our API, using the SumUp app to execute payments.

Prerequisites

• Before you integrate either the Native SDK or the Payment API Switch, you need to create a SumUp account in the SumUp Dashboard. Alternatively, you can create a test account.

• Once you have an account, you need to create an Affiliate Key for your app and provide means of authorization.

Caution

The Affiliate Key and Application ID coming from your app must match those obtained from the Developers page.

The Card Terminal(s) allow complete flexibility as they are not assigned to individual accounts. Once connected to a merchant account, the card terminal(s) lock to countries and currencies. This includes test accounts, which are intended for testing integrations and do not process any transactions.

You are now ready to start integrating the SumUp payment capabilities in your app, provided you have also received a SumUp card terminal: SumUp Air, SumUp Air Lite, SumUp Top/PIN+, SumUp 3G, SumUp Total, SumUp Super, SumUp On or SumUp Air Register.

Getting a test account

To start testing SumUp APIs and tools without involving real money, you need to have a test account. You can create a test account from your account in the Dashboard as shown below.

1. Log in to your SumUp account.

2. Open the drop-down menu between Support and your user panel.

3. Select Test Account. Your merchant account is now switched to test mode.

A screenshot of the account selection dropdown in the SumUp dashboard with the test account highlighted with red circle

Once you have your test account you can begin making API calls with real data. Our test accounts do not process transactions with real funds. Test account has a different ID, and shows a clear warning. When you try to process a request with the value of 11 (in any currency), the test account will always fail - this is by design, to enable testing failed transactions.

A screenshot of the dashboard with test account selected

When you’re done experimenting with the test account, switch back to a regular account for business purposes.

Affiliate Keys

All card-present integrations require an Affiliate Key. Read the Affiliate Keys Guide for details.

Industry

SumUp merchants operate in various industry segments and we have made sure our card terminals are fit to accommodate a wide range of use cases and business approaches. We have outlined our merchants’ most favoured ones, along with what they find most beneficial from our services:

• Retail classified businesses and services
• The hospitality industry and more specifically Restaurants, Cafés and Bars
• Transportation and delivery services
• Booking for Health, Beauty and Wellness

In order to fulfil other industries’ business needs, you are offered a range of integration options through the Payment SDK and the API sections, and also a full list of available services through the API reference section.

Communication with the terminal

The SDK and API Switch handle all communication with SumUp’s Card Terminal(s) via Bluetooth (BLE 4.0).

Security

No sensitive data will ever be passed through or stored on the merchant’s phone. All data is encrypted by the card terminal which is certified by the relevant payment industry groups (PCI, EMV I & II, Visa, MasterCard and Amex).