Sumup.ie

Answer by SumUp 16/09/2025 "Hello S. C., we're very sorry to read about your experience and the serious concerns you've raised. What you describe is understandably distressing, and we want to assure you that SumUp does not tolerate fraudulent activity on our platform. We take reports like yours extremely seriously and investigate them in line with our regulatory obligations. Please reach out to us again via chat or send us a private message on our social media channels. This will allow us to escalate your report directly to the relevant team and ensure you receive a proper update. Thank you for bringing this to our attention, your feedback is important in helping us strengthen both our processes and our support. All the best, The SumUp Team" On 08 Aug 2025 my Fibank Mastercard was charged BGN 2,500 via SumUp (descriptor "SumUp *Tuenti Eit Mod Sofia BG"). It was presented as a refundable car-rental deposit, not a final charge. The car was returned on 10 Aug 2025. From 21 Aug I sent six emails to SumUp with full documentation. Zero answers. "We take reports like yours extremely seriously and investigate them in line with our regulatory obligations" (I see how much extrimely seriously you take reports like mine...) On 12 Sep 2025 at 14:07 Mastercard confirmed they had taken my case; at 14:36 — 29 minutes later — SumUp finally replied for the first time, after being put on notice by Mastercard following my report of their conduct. That timing says it all. Meanwhile, the fraudulent merchant had all the time to transfer the money from the SumUp account to their own bank account. SumUp did nothing. Zero protection for me. Then SumUp Security told me the merchant was "closed/blocked" and the funds had already been "paid out." This "block/suspension" is just late bureaucracy to cover themselves and say "look, we did something." To make it worse, SumUp then told me to "search the merchant online and contact them directly." That's covering the merchant, not protecting the cardholder. Their replies are now vague and inconsistent, hollow templates written just to say something — as if some random person inside SumUp wrote them and will later be blamed for such a weak and incoherent response. Let's be clear: they know exactly who the merchant is. I'm not the only one who reported this; the web is full of similar reviews about this merchant/descriptor. So I'm not wrong when I say SumUp is colluding with scammers. If they weren't, this would already be solved. Instead, they violated compliance, PSD2, and the rules that govern payments, chargebacks, and the duties of payment service providers and their supervisors. Facts I can prove with emails/screenshots: - Transaction 08/08/2025 — BGN 2,500 — descriptor "SumUp *Tuenti Eit Mod Sofia BG". - Car returned 10/08/2025. - Six emails from me since 21/08 — no reply. (This is not a "technical delay." This is a calculated silence designed to shield the scammer and push the financial damage onto the consumer. By ignoring my case, SumUp is proving that its business model tolerates – or even depends on – fraudulent activity hidden under its brand.) - 12/09/2025 14:07 Mastercard accepted the case. - 12/09/2025 14:36 first SumUp reply (after Mastercard put them on notice). - SumUp Security: funds paid out quickly to the fraudulent merchant and then merchant account blocked. - Still no refund, no merchant legal identity, no MID/TID, no payout details. This is hypocrisy and delay by design. SumUp's behavior is indistinguishable from favoritism toward a fraudster. Their refusal to even acknowledge my complaint is not negligence – it is deliberate obstruction. At this point, SumUp's behavior is indistinguishable from collusion with the fraudulent merchant. SumUp is not a payment provider. SumUp is an enabler. If you use them, understand this: when fraud happens, you will be abandoned, and your money will stay in the hands of criminals, with SumUp looking the other way. Lots of positive reviews are potentially fake, they needs to feed themselves in somehow.

NEVER use Sumup. They defraud small businesses and you have no power to fight them, because their Terms & Conditions are written to give them total power to exploit you. Check other reviews and youll see we are the norm and not the exception.

Read their terms and conditions here https://sumup.ie/terms. - In Term 15, it said: We may at any time suspend or terminate and close your Account for any or No REASON at ANY TIME. What they dont tell you is that they will wait until there is at least 2,000 in your account first before they suspend you. AND following the effective termination of your Account you shall immediately pay SumUp all amounts owed by you under these Terms and we shall equally pay you all amounts owed by us under these Terms. Notwithstanding the aforementioned provision, we are entitled to withhold the Reserve until the Account is finally settled, including any potential Chargebacks, but in any case not exceeding thirteen (13) months after effective termination. Translated: this means they will withhold YOUR money for between 6 -13 MONTHS and thats exactly what they did to us.

Heres my story, and you can find hundreds like me. We are a new, small Irish-based business that sells paintings - we just launched after investing substantial to purchase the paintings up front ie. Cash is critical to us. Sumup approved our application, sold us the card reader, processed the 1 test transactions and sent us the money within 24 hours as we selected daily settlement. Over the space of a week we made sales totally 2,200. As no payments appeared in our account, we contacted Sumup multiple times and were told *everything is fine - keep using the card reader - the payment will appear shortly. Then, disaster - we have been rejected as our business model does not meet their Terms & Conditions and we need to stop using the card reader. Massive inconvenience as we obviously dont have a backup solution. Now here is the unbelievable piece. Not only have they completely failed us as a supplier, but they refuse to give us OUR money for 6 months. I verified with them and they admitted that every single one of our card transactions were fully and successfully processed. This in my language is FRAUD. Where a large company bullies a startup is the worst form of malpractice. No doubt they will post a reply to this - but read around and youll see this is common practice for them. Do not use Sumup.

My next stop is to bring this to the UK Financial Regulator - I will do my utmost to have their banking license reconsidered so that they cant passport it across Europe committing this fraud.