SumUp Sales

SumUp is one of the best-known names in small-business payments, offering card readers, a cloud POS, invoicing, a business account and the SumUp Connect loyalty platform. For affiliates in the fintech and small-business niche, SumUp runs two distinct programs — an online Affiliate Program and an in-person Local Partner Program — both built around referring merchants and getting paid when they convert.

About SumUp

SumUp is a financial services provider and authorized electronic money institution, originally founded in London and now operating across Europe, the Americas and Oceania. In the US, SumUp Inc. is registered as a Payment Facilitator of Fifth Third Bank, with banking services provided by Piermont Bank.

Its product range is squarely aimed at small and independent businesses: compact card readers (Solo and Plus), the SumUp POS and POS Lite, a self-service Kiosk, free invoicing, QR codes, gift cards and a business account with a Mastercard debit card. Pricing is deliberately simple — a flat 2.6% + 10¢ in-person transaction fee, 3.5% + 15¢ for online manual entry, and 2.9% + 15¢ on paid invoices, with no monthly minimums or hidden fees. For merchants wanting marketing and loyalty tools, SumUp sells POS with Connect Plus at $199/month and POS with Connect Pro at $289/month, which is where higher-value referrals come from.

How the SumUp affiliate program works

The Affiliate Program is designed for anyone with a strong online or social media presence. SumUp provides affiliate links, banners and marketing materials that you can share freely on your channels, and you earn commission each time a referred visitor completes an eligible conversion — leads, sign-ups and product purchases are all mentioned. SumUp emphasizes that there is no cap on earnings and no requirement to advertise in a specific way; you can add your own opinions and promote however you like.

SumUp does not publish an exact commission rate on its own program page — it only says you "make money each time a product is purchased." According to third-party directory data, the program is single-tier (you earn only on sales you personally generate) with a fixed commission structure, a 30-day cookie duration, monthly payouts via PayPal, and a minimum payout of €250. Accepted traffic sources reportedly include PPC, link/banner advertising and social media ads, and the program is open worldwide. Because SumUp itself doesn't confirm the rate or payout terms, treat these specifics as unverified until you see them inside the affiliate dashboard.

To join, apply through the SumUp Affiliate and Local Partner Program page and choose the "Become a SumUp Affiliate" path. SumUp says it accepts all types of relevant websites but reserves the right to refuse or revoke membership, and it excludes certain prohibited business types (listed in its Help Center). If you have direct relationships with local business owners instead of an online audience, the Local Partner Program compensates you for referrals, meetings and signed contracts with new merchants — a better fit for field sales–style promotion.

Who should promote SumUp

SumUp is a natural fit for creators and publishers whose audiences include small-business owners, freelancers, market traders, restaurants, salons and other in-person sellers. Strong candidates include:

• Small-business and entrepreneurship bloggers reviewing POS systems and payment tools.
• Finance and fintech content creators comparing card readers and processing fees.
• Local influencers and community connectors who can refer nearby shops (ideal for the Local Partner track).
• PPC and social media marketers targeting merchant keywords, since paid traffic is reportedly accepted.

The global availability is a real advantage — SumUp operates in dozens of countries, so international audiences aren't wasted traffic the way they are with US-only programs.

Pros and cons

Pros

• Trusted, widely recognized brand with a broad product line and low, transparent merchant pricing that's easy to sell.
• Worldwide eligibility and acceptance of most relevant websites.
• Two programs (online affiliate + local partner) so both digital and in-person referrers can monetize.
• No earnings cap and flexible promotion rules — you're free to use your own voice and creative.
• Marketing materials provided: links, banners and assets.

Cons

• No published commission rate on SumUp's own page — you won't know exact payouts until you apply.
• Commissions appear to be one-time rather than recurring, despite SumUp's subscription products.
• High €250 minimum payout (per third-party data) can slow cashouts for smaller affiliates.
• 30-day cookie is standard but not generous for a considered B2B purchase.
• SumUp can refuse or revoke membership at its discretion.

Overall, SumUp is a credible, globally available program with a product that practically sells itself to small businesses. The main friction is transparency: the actual commission rate and payout terms aren't disclosed publicly, so confirm the numbers inside the affiliate platform before you commit significant promotion budget.