Free Debit/Credit Card reader from SumUp for iPhone, iPad, Android Devices
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Free Debit/Credit Card reader from SumUp for iPhone, iPad, Android Devices

33
Found 3rd Dec 2012
Sign up to SumUp and get a free Card Reader for your iDevice or Android phone. This freebie won't suit everybody but may be useful for those with a small business who would like to start accepting card payments without having the hassle of having to buy an expensive card reader. The device works by plugging into the iDevice/Andorid Phone's headphone socket and by using an App they provide for your device to process the card inserted into the reader. Anyone considering making use of their card payment service should be aware that they charge a fee of 2.75% per transaction.

33 Comments

Are these trusted sellers? I don't think I could trust ay business who went to make me pay through a card reader plugged into their phone!

Transaction cost 2.75 %

oh, i think ill just use my card and have a 0% cost

Agreed with above.

NTY!

That is the sort of percentage which every retailer has to pay the card company when we shop with our credit-cards. We take it for granted, but the shopkeeper accepts it (or not) as a normal expense of getting customers.

Just received my card reader on Saturday, I must say I couldn't wait to open it however this card reader sucks, first of all it can only accept MasterCard, if you want to choose visa it sends a link to the other persons phone where they have to pay online, second of all IT DOESN'T WORK, tried swiping my card like 100 times and no response.
Waiting for 'PayPal here' to come to the UK.

Original Poster

kumori

Transaction cost 2.75 %oh, i think ill just use my card and have a 0% … Transaction cost 2.75 %oh, i think ill just use my card and have a 0% cost


You misunderstand the transaction cost is what is taken away from the seller. e.g. you buy an iPad for £400 and the device takes the £400 from your card, the seller gets £390 of this as 2.75% is taken away from the money you have paid them due to processing charges. As has already been mentioned this is the norm for retailers who accept card payments. The SumUp app does not charge 2.75% on top of what the cost of the item is. The person selling the item losses 2.75% of their profit not you!

To not accept MasterCard is a major negative point. I think iZettle from EE suffers from the same drawback.

7-10 days to transfer money to bank account, minimum of £40 before money will transfer to bank, 2.75% fees, no mention of merchant account setup - can't see it being "free" for long as with no merchant number requirement SumUp must be covering the additional cost so will have to start charging for setup or a monthly fee at some point
Edited by: "freebiehunter" 4th Dec 2012

not really free is it?

good as a back up I suppose not voted either way

shineyman

To not accept MasterCard is a major negative point. I think iZettle from … To not accept MasterCard is a major negative point. I think iZettle from EE suffers from the same drawback.

it does accept MasterCard, but only MasterCard, visa cards have to pay via a link sent to the buyers phone

Don't buy. You don't need it.

This is a way for small businesses / sole traders to take card payments without the usual monthly charges. It's a model of payment made popular by squareup.com and the sumup website looks very similar. Like a lot of people I'm waiting for the paypal version.

Squareup was launched with a big fan-fair in the US but I've never heard of sumup and there is no 'about us' that I can find. So they are based in Dublin but the payments are processed by net-m privatbank, Munich ... I'd need to know much more about them and this arrangement before I processed transactions through them.
Edited by: "o_t_e" 4th Dec 2012

o_t_e

This is a way for small businesses / sole traders to take card payments … This is a way for small businesses / sole traders to take card payments without the usual monthly charges. It's a model of payment made popular by squareup.com and the sumup website looks very similar. Like a lot of people I'm waiting for the paypal version. Squareup was launched with a big fan-fair in the US but I've never heard of sumup and there is no 'about us' that I can find. So they are based in Dublin but the payments are processed by net-m privatbank, Munich ... I'd need to know much more about them and this arrangement before I processed transactions through them.



It's not necessarily a good way for small businesses and sole traders to take card payments because most banks/merchants will ask for proof of compliance with the Payment Card Industry Data Security Standard (PCI DSS) and that could become a whole lot more complicated when using one of these devices for "in person" credit card transactions. I'd say that it's possibly ok for an occasional transaction if you can wait 7 - 10 days to receive the money and suffer the minimum £40 before transfer, but i'd be pretty cautious using this full time especially when there is little info about it in the UK

Edited by: "freebiehunter" 5th Dec 2012

I agree with freebiehunter - PCI DSS compliance is not something you can ignore or gloss over - and hw on earth do you know where this data is actually going or being stored??

Sorry, but I would avoid like the plague, tbh!!!

Original Poster

Nibblick

I agree with freebiehunter - PCI DSS compliance is not something you can … I agree with freebiehunter - PCI DSS compliance is not something you can ignore or gloss over - and hw on earth do you know where this data is actually going or being stored??Sorry, but I would avoid like the plague, tbh!!!



Im confused their page on security clearly states "SumUp is certified as compliant with PCI-DSS level 1, the highest data security level in the industry." sumup.co.uk/sec…ty/

jordanc93

Im confused their page on security clearly states "SumUp is certified as … Im confused their page on security clearly states "SumUp is certified as compliant with PCI-DSS level 1, the highest data security level in the industry." https://sumup.co.uk/security/



But you as the "company" taking the transaction from your "client" also should be PCI DSS compliant - it's not being pushed so heavily at 'in person' credit card transactions compared to 'virtual' transactions right now, however it will be very soon

Reading the terms and conditions I found the highlighted bits interesting:
sumup.co.uk/leg…ns/

(1) If the merchant offers payments by Card, he may not offer goods and … (1) If the merchant offers payments by Card, he may not offer goods and services to the relevant domestic and foreign cardholders for higher prices or under less favourable conditions than offered to cardholders who pay in cash, by wire transfer or by direct debit. In particular the merchant must not charge additional fees and must not require collateral ("no-surcharge" rule). Notwithstanding the foregoing, the merchant is entitled to charge a surcharge when accepting MasterCard credit cards if and to the extent the following conditions are met:(a) The merchant points out to the cardholder, before the execution of the payment process and immediately prior to forwarding the transaction data to the Bank, clearly and at a textually prominent point that a surcharge is payable by the cardholder when paying with a Card;(b) The merchant either explicitly specifies the exact amount of the surcharge payable by the cardholder or specifies the calculation method for the determination of the surcharge in an easily understandable way; and(c) The amount of the surcharge is in reasonable proportion to the fees the merchant owes to the Bank.Notwithstanding the above, the merchant may offer a discount to the cardholder for using a specific payment instrument (e.g. a particular Card).(2) The merchant is not entitled to set a minimum or maximum transaction amount for the use of Cards. The merchant may not refuse the acceptance of a Card if the cardholder presents a proper Card; in particular, the merchant may only ask for a valid identity card as proof of identity if this is required pursuant to Section 9.



2) The merchant is required to have his PCI Compliance checked by PCI-SSC … 2) The merchant is required to have his PCI Compliance checked by PCI-SSC accredited auditors, to perform a PCI certification and to maintain it through re-certification throughout the duration of the agreement in accordance with the requirements of the applicable regulations of the PCI DSS. Upon request by the Bank without undue delay, the merchant is obligated to provide any documents demonstrating a successful PCI certification or an on-going certification from an accredited auditor.




(6) These terms have been drafted in both a German and an English … (6) These terms have been drafted in both a German and an English version. The English version of these terms is for convenience only and is not to be considered legally binding. Only the German version of these terms shall be legally binding. The German version of these terms can be found here.


Are these normal terms for a card terminal?
Edited by: "DeanMarkTaylor" 6th Dec 2012

The question is: would any customer trust you or this device enough to put his/her card in it and input the pin?

I will wait for PayPal one....at least I will trust them

Cold firstly due to the seller loosing money when he/she could get it all via cash/card & 2nd I've never heard of this company.

Original Poster

RyanMonkey7

Cold firstly due to the seller loosing money when he/she could get it all … Cold firstly due to the seller loosing money when he/she could get it all via cash/card & 2nd I've never heard of this company.



They couldn't get it all via card. All card transactions regardless of what company you use to take the payment will charge a fee for processing the payment. The only way to avoid processing fee's is to accept cash only.

this is brilliant. loads out there. but willing to give it a shot!

Thanks op

milkbottlec

I will wait for PayPal one....at least I will trust them


I didn't think many merchants trusted PayPal any more due to clawbacks.

milkbottlec

I will wait for PayPal one....at least I will trust them


trust?, paypal? fool!.

I kinda want to get this, just because it's a cool gadget, but I can't see any instance where I'd use it...car boot sale, perhaps?!

panddda

I kinda want to get this, just because it's a cool gadget, but I can't … I kinda want to get this, just because it's a cool gadget, but I can't see any instance where I'd use it...car boot sale, perhaps?!



Can't see any potential buyer at a car boot sale letting you scan their card with a phone and sign on the screen haha (_;)

Whois lookup quoted below. Not very helpful when the registrants address is "C/O" some business centre in Dublin. A quick Google search shows a lot of businesses registered at the same address of 1 Lower Mayor Street, Dublin. Might be a legit outfit, but not being able to use Visa, connection issues as mentioned above and expecting my clients to enter their card pin into my mobile puts me right off. Thanks anyway. Cold here.

Domain name:
sumup.co.uk

Registrant:
SUMUP LIMITED

Registrant type:
Non-UK Corporation

Registrant's address:
C/O GALLENALLIANCE BUSINESS CENTRE
1 LOWER MAYOR STREET
INTERNATIONAL FINANCIAL SERVICES CENTRE
Dublin
Ireland

Registrar:
united-domains AG t/a united-domains AG [Tag = UNITEDDOMAINS-DE]
URL: united-domains.de

Relevant dates:
Registered on: 20-May-2006
Expiry date: 20-May-2022
Last updated: 16-Aug-2012

Registration status:
Registered until expiry date.

Name servers:
a.ns.zerigo.net
c.ns.zerigo.net
pns1.cloudns.net
pns3.cloudns.net
pns5.cloudns.net

WHOIS lookup made at 09:55:58 08-Dec-2012

Just out of curiosity, can someone confirm if this is chip and PIN or swipe and sign?

I wanted a Square when I saw it released, but the security issues are very concerning... Getting into the habit of swiping your card on any random dongle connected to a mobile isn't a good thing at all. Next will be some SumUp-looking dongles with a custom app that just stores the info... No thanks.

Decided against this. They wanted my bank details, a certified photocopy of my passport, and an original bank statement.

Nahhhh...

Wouldn't waste my money!

I have been using Sum-up in my shop for over one month now. It works really well with MasterCard but it still needs to sort agreements with Visa . The dongle only works with MasterCard, with Visa you need to send a link to the customers phone in order for them to enter there card details on a web page.

@schneilob Thanks

Anybody else have anything to report about the usage... are the money as expected?

Edited by: "DeanMarkTaylor" 19th Dec 2012
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