SumUp Payments Limited

Reference number: 900700

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Same company

This company holds 2 other FCA records

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

Identity

Check their details

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

Also trades as
  • SumUp

Company details

From the company's Companies House record.

Company number
07836562
Company status
Active
Company type
Private limited company
Incorporated
7 November 2011 (14 years old)
Registered office
16-20 Shorts Gardens, London, WC2H 9US, England
Nature of business
  • Data processing, hosting and related activities (SIC 63110)
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Ken Victor Shanahan Director Aug 1956 26 Jul 2013
Hermione Mckee Director Oct 1981 10 Nov 2023
Nikolai Riesenkampff (Dr) Director May 1971 15 Dec 2023
Luke Benjamin Griffiths Director Jul 1972 25 Jun 2025
Steven David Delpy Director Apr 1977 2 Sep 2025
Catriona Byrne Secretary Not published 14 May 2020

Activities and protection

What they can do, and how you are protected

  • Handle payments & transfers Funds safeguarded
    Your money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.
Show FCA detail (8 permissions)
  • a) Services enabling cash placement on a payment account
  • b) Services enabling cash withdrawals from a payment account
  • c) Execution of payment transactions (not covered by a credit line)
  • d) Execution of payment transactions (covered by a credit line)
  • e) Issuing payment instruments or acquiring payment transactions
  • f) Money remittance
  • g) Execution of payment transactions via telecoms, IT system or network operator
  • h) Issuing Electronic Money

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

What customers have complained about

Complaints record

In January–June 2025, the Financial Ombudsman Service received 34 new complaints about this firm, and upheld 46% of the ones it decided.

That is above the 31% median for the firms the Ombudsman reports on. This firm receives few enough complaints that the rate moves sharply on a single case, so treat the comparison loosely.

  • Banking and credit 34

A bigger firm receives more complaints simply because it has more customers. FOS complaints data →

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Common questions

Frequently asked questions

Is SumUp Payments Limited FCA authorised?
Yes, SumUp Payments Limited (FRN 900700) is authorised by the FCA to carry out regulated activities.
Is my money safe with SumUp Payments?
It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount. You can also refer complaints about SumUp Payments to the Financial Ombudsman Service, free of charge.
Is SumUp Payments a scam or clone?
SumUp Payments is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is SumUp Payments's Firm Reference Number (FRN)?
SumUp Payments's FRN is 900700. You can verify it on the FCA register.