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EU VETTED

SumUp

Paiements · Royaume-Uni
Fondé en 2012 · sumup.com

London-based mPOS fintech (originally Berlin), 4M+ SMBs, heavy US-VC funding (Goldman Sachs led €1.5B 2024); US$10-15B London listing in preparation.

SumUp propose un hébergement européen au Royaume-Uni, mais une maison mère ou un sous-traitant américain laisse une exposition matérielle au CLOUD Act. Référencé dans la catégorie Paiements.

Notes d’évaluation

SumUp is London-headquartered British fintech (HQ moved from Berlin to London long ago, founded 2012 by Daniel Klein, Alessandro Leoni, Marc Alexander Christ, Stefan Jeschonnek), serving 4M+ SMBs across the US, UK, Germany, France, and dozens of other markets, but the cap table is heavily US-funded (Goldman Sachs led €1.5B May 2024, plus Bain Capital Credit, Crestline, Oaktree, American Express), the company operates a US entity (SumUp Inc., Delaware), uses US banking partners (Fifth Third Bank as Payment Facilitator, Piermont Bank for banking services), and a London listing at US$10-15B is being prepared: ownership_signal: eu_hq_us_funded, cloud_act_exposure: material; a public self-serve DPA is available, but it grants general authorisation to engage sub-processors without naming any and no sub-processors list is published, which caps the score at 3.

Constats

CLOUD Act
Actionnariat
Sous-traitants
— non divulgué

Signaux vérifiés

Juridiction
  • Hébergement UE / adéquation: Oui
  • Opérateur UE / adéquation: Oui
  • Aucune exposition au CLOUD Act: Non
Transparence
  • DPA public: Oui
  • Sous-traitants divulgués: Non
  • Clients open source: Non
  • Certification tierce: Non
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À propos de SumUp

SumUp is a London-headquartered British fintech (founded in Berlin in 2012 by Daniel Klein, Alessandro Leoni, Marc Alexander Christ, and Stefan Jeschonnek; CEO Daniel Klein) focused on mobile point-of-sale (mPOS), card terminals, and integrated payments for small businesses. The product targets the segment Square dominates in the US (micro-merchants, mobile traders, market vendors, hospitality, retail) with a hardware-led entry (the iconic SumUp Air card reader at €19 one-time) and a flat transaction fee (~1.39% in DACH; varies by market). The company serves 4M+ SMBs across the United States, the United Kingdom, Germany, France, and dozens of other markets across Europe and South America.

For an EU-sovereignty audit SumUp sits squarely in the "European brand, US-funded structurally" tier. The cap table is dominated by US institutional investors: Goldman Sachs (which led a US$624M / €1.5B funding round in May 2024 at an US$8.5B valuation), Bain Capital Credit, Crestline, Oaktree Capital Management, and American Express all hold significant positions, alongside Temasek (Singapore), BBVA Ventures (Spain), and Groupon (US). The company operates SumUp Inc. (a Delaware entity at 1209 Orange Street, Wilmington, the classic Delaware-registered-agent address) for US operations and uses US banking partners (Fifth Third Bank as registered Payment Facilitator and Piermont Bank for FDIC-member banking services in the US). As of April 2026 SumUp is reported to be preparing a possible London listing at a valuation of US$10-15B, with Deutsche Bank, Goldman Sachs, Jefferies and JPMorgan lining up the float and leadership said to prefer London to New York. Neither venue is an EU listing, so the ownership signal is unaffected either way.

Pricing in Germany: a pay-as-you-go tier at €0/month and 1.39% in person or 2.5% online, and a Payments Plus subscription (renamed from SumUp One) at €19/month for 0.79% domestic and 1.39% on premium, international and Amex cards, with custom terms above €10,000/month. Hardware is priced separately and is no longer listed on the pricing page. Best fit: micro-merchants and hospitality / retail SMBs wanting an inexpensive hardware-led card-acceptance solution. Procurement-grade EU buyers requiring an EU-controlled ownership chain should look at Adyen (Euronext Amsterdam) or Worldline (Euronext Paris), the two publicly-listed European processors in this category, instead.

Carte des sous-traitants · non divulgué

L'éditeur ne publie pas de liste de sous-traitants. La conformité Schrems II et l'exposition au CLOUD Act ne peuvent pas être vérifiées indépendamment sans elle.

Référentiels & certifications · aucune répertoriée

Nous avons vérifié le site de l'éditeur et les registres des organismes de certification. Aucune certification active trouvée à la date du dernier audit (2026-08-26).

Matrice de fonctionnalités

Tableau 1Fonctionnalités de SumUp

Paiement par carte Oui
Prélèvement SEPA Non
Paiement fractionné (BNPL) Non
Open banking (A2A) Non
Récurrent / abonnements Non
Liens de paiement Oui
En personne / TPE Oui
Marketplace / split Non

Intégration & accès

REST API Oui
SSO (SAML / OIDC) Non

Conformité & gouvernance

Audit log Non
Self-host / on-prem option Non

Tarifs & paliers

à partir de 0 €/mois
Payant
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Documents publics

L'éditeur ne publie pas de liste de sous-traitants. La conformité Schrems II et l'exposition au CLOUD Act ne peuvent pas être vérifiées indépendamment sans elle.
  • Contrat de sous-traitance (DPA)
    www.sumup.com/en-gb…
    Ouvrir
  • Liste des sous-traitants
    — manquant
    manquant
  • Conditions d'utilisation
    www.sumup.com/en-gb…
    Ouvrir

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