The Finance Base / Payment link apps / SumUp Payment Links
sumup.com
SumUp Payment Links
Businesses can use SumUp Payment Links to take online payments without a website or card reader. Links may carry fixed or customer-entered amounts, go out as links or QR codes, and be monitored in the SumUp Business App. Free plans apply a 2.5% charge to each completed Payment Link transaction;…
Visit sumup.com ↗ What it costs
- 9.0 No. 5on Payment link apps
- Free plan · paid from £19/moprice, as published
- Oct 15, 2026read on
What SumUp Payment Links costs
- Pay-as-you-go Free
- Payment Links Free
- Payments Plus annual £189 / year
- Payments Plus £19 / month
Free plans have no monthly fee but charge 2.5% per completed Payment Link transaction. Payments Plus costs £19 a month or £189 a year; the link fee remains 2.5%.
As sumup.com publishes them, read Oct 15, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Free plan
- Yes
- Free trial
- Yes
- Runs on
- iPhone Android Web
- Facts on record
- 54
Strengths and limits
Strengths
- No monthly fee on the free Payment Links plans
- Customers can pay without downloading an app or opening an account
- Links support fixed, open, reusable and expiring configurations
- QR codes and social or messaging sharing
- App tracking, resend controls and payment notifications
Limits
- 2.5% fee on every completed Payment Link transaction
- Payments Plus monthly or annual charge keeps the same link fee
- Hosted checkout; self-hosting is not described
- Published facts omit country, currency and limit tables
What SumUp Payment Links does
Payment Links gives businesses a shareable route for requesting online payment, so no separate website or card reader is required. The hosted checkout accepts payment without an app download or customer account.
Merchants can issue a single-use or reusable link, set a fixed or open amount, and specify when it expires. Tips and customer notes can be enabled. Links can be sent through channels such as Instagram, WhatsApp, SMS and email, or shown as QR codes.
SumUp describes uses including home delivery, freelance work, click-and-collect, social selling, billing and phone orders.
Fees and plans
Completed Payment Link transactions carry a 2.5% UK fee. Pay-as-you-go has no monthly charge or monthly minimum, and the separate Payment Links plan also has no monthly cost while applying the same transaction rate.
Payments Plus costs £19 a month. It is free for seven days, keeps Payment Links at 2.5% per transaction, and adds lower in-person rates and priority support. The annual Payments Plus option costs £189 a year and keeps those Payment Link terms.
The published pricing gives no separate Payment Link fee for failed or unpaid links. A free trial is available.
Where it runs
The product is offered on iPhone, Android and the web, with API access. SumUp's creation instructions list a web browser, the SumUp app, POS Lite and SumUp Register.
Within the Business App, merchants can see paid and outstanding links, resend an unpaid request, and receive a push alert when payment arrives. SumUp-hosted checkout is the delivery model; the product pages do not describe self-hosting.
For developers, SumUp documents plug-ins, a payment widget, REST APIs, webhooks and server SDKs. Official plug-ins include WooCommerce, PrestaShop and Wix.
Protection, as SumUp publishes it
According to SumUp, 3D Secure 2 protects every Payment Link transaction by checking the customer and helping reduce fraud. The company also says its software and hardware meet, and in many cases exceed, PCI-DSS security standards, with encrypted transmission and storage controls.
The checkout page displays Mastercard, Visa and American Express, along with Diners Club, Discover and UnionPay.
Strengths
Online payment collection works without a website or card reader. Links can use fixed or open amounts, expiry dates, tips, notes, single-use settings or reuse.
No app or account is needed on the customer side. Merchants can distribute links through common messaging and social channels, present them as QR codes, and monitor status in the app.
The API supports payment creation and processing, customer and payment-instrument management, transactions, payouts and receipts. A sandbox account and API key are available for testing without real transactions.
Catches and conditions
The published UK transaction rate is 2.5% on each completed Payment Link payment, including on the paid Payments Plus plans. Those plans add a recurring charge even though the link rate does not fall.
Payment Links use SumUp-hosted checkout. Developers should check whether the documented plug-ins, APIs, webhooks and SDKs cover their setup. Webhook delivery uses HTTP POST and retries after non-2xx responses.
The product page names several card networks but does not set out a full country, currency, payout-timing or transaction-limit table. Those details are not published in the supplied facts.
Who should skip it
It may not fit a business seeking a self-hosted checkout, a lower published Payment Link rate, or stated country and currency coverage. Readers comparing link products can review payment link apps.
Businesses needing a different payment-link model may want to assess other products against these requirements.
Verdict
SumUp Payment Links suits businesses seeking a hosted method for requesting card payments, distributing requests through social or messaging channels, and checking completion in one app. Free plans have no monthly charge, although each completed link payment incurs the published 2.5% fee.
It is less suited to teams that require self-hosting or need published detail on supported countries, currencies, limits or payout timing before choosing. The paid Payments Plus tiers add support and in-person pricing features, not a lower Payment Link percentage.
Who it suits
Pick it if
- Businesses collecting online payments without a website
- Freelancers, deliveries, social sellers and phone orders
- Teams wanting link status in a mobile business app
Skip it if
- You need a self-hosted checkout
- You require published country, currency, limit or payout details
- You want a lower Payment Link rate on a paid plan
Facts we read
- Amount typesThe creation flow supports fixed-amount links and open-amount links where the customer enters the amount. · help.sumup.com, Oct 15, 2026
- Client SDKsThe developer portal also points to React Native and Swift Checkout SDKs. · developer.sumup.com, Oct 15, 2026
- Company backgroundSumUp says it started in 2012 and that more than 4 million businesses use its tools. · sumup.com, Oct 3, 2026
- Company foundedLinkedIn states that SumUp was founded in 2012. · linkedin.com, Oct 15, 2026
- Company headquarters and sizeLinkedIn lists London headquarters and a company size of 1,001–5,000 employees. · linkedin.com, Oct 15, 2026
- Company reachLinkedIn says SumUp serves more than 4 million merchants in 37 markets. · linkedin.com, Oct 15, 2026
- Customer account requirementCustomers can pay on a secure page without downloading an app or creating an account. · sumup.com, Oct 15, 2026
- Customer checkoutCustomers can pay through a secure online page without downloading an app or creating an account. · sumup.com, Oct 3, 2026
- ExpirationMerchants can set an expiration date for a payment link. · help.sumup.com, Oct 15, 2026
- Founded2012 · sumup.com, Sep 28, 2026
- Funding newsSumUp announced €285 million in funding led by Sixth Street Growth on 11 December 2023. · sumup.com, Oct 15, 2026
- Integration pluginsOfficial plugins are documented for WooCommerce, PrestaShop, Wix, Medusa and Vendure. · developer.sumup.com, Oct 15, 2026
- Integrations and APISumUp's online payments page describes plug-in integrations, APIs and a payment widget, and says recurring payments can be enabled with its API. · sumup.com, Oct 3, 2026
- Intended usersSumUp describes use cases including home delivery, freelancers, click-and-collect, social media selling, billing and phone orders. · sumup.com, Oct 3, 2026
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Questions
Is SumUp Payment Links free?
Pay-as-you-go and Payment Links do not have monthly fees, but each completed Payment Link transaction is charged 2.5% under the UK help-centre terms.
What does Payments Plus cost?
The monthly Payments Plus subscription is £19 and includes a seven-day free period. An annual option costs £189. Payment Links remain 2.5% per transaction.
Do customers need a SumUp account?
No. The secure checkout lets customers pay without downloading an app or registering an account.
Can a link be reused?
Yes. A merchant may make a one-time link or turn on reuse so one URL serves different customers on separate occasions.
Can customers choose the amount?
Yes. Merchants can set a fixed value or use an open-amount link in which the customer enters the payment value.
Where can merchants create and track links?
SumUp documents creation through a web browser, its app, POS Lite and SumUp Register. The Business App lists paid and outstanding links and can resend unpaid ones.
What security does SumUp publish?
SumUp states that 3D Secure 2 is used for every Payment Link transaction and that its software and hardware meet or exceed PCI-DSS requirements, with encrypted transmission and storage controls.
Does SumUp offer developer tools?
Yes. Documentation covers a REST API, plug-ins, a payment widget, webhooks, a sandbox and server SDKs. Recurring payments can be enabled through the API.
Is SumUp Payment Links yours?
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