How to Cancel SumUp

Cancelling SumUp is straightforward. Open the app, tap Settings > Close Account, and confirm. No contract to argue about, no exit fees, no letter to send. The only thing you need to watch out for is making sure your last payout has cleared before you close. We walk businesses through this every week.

Last updated: April 2026 · Written by the CapExpand switching team

Contract

None

Notice Period

None

Exit Fee

£0

Difficulty

Easy

Method

Via app

Step-by-Step: How to Cancel SumUp

Wait for your last payout to land

Check the SumUp app for any pending transactions. SumUp takes 1-3 business days to pay out, so give it until the money is actually in your bank. This is the number one thing people rush and regret. Do not close until that last payout shows in your account.

Download your sales history

Log into the SumUp Dashboard on a computer, go to your sales reports, and export everything as a CSV. Once the account is closed, your data is gone permanently. Takes five minutes and saves a lot of frustration later if you ever need to check an old transaction.

Switch off any paid SumUp add-ons

Using SumUp POS or the SumUp Business Account with a monthly plan? Cancel those first under your billing settings. Otherwise they keep charging even after you think you have left. We see this catch people out all the time.

Close the account - it takes two taps

Open the SumUp app, go to Settings > Close Account, and confirm. No phone call, no letter, no 30-day notice. It is instant. You will get a confirmation email straight away.

Have your Dojo terminal ready first

If you are upgrading to a proper countertop machine, get it set up before you close SumUp. We typically deliver and set up a Dojo terminal within 24-48 hours, so you can go straight from one to the other without a gap. Ring us on 0333 041 3933 and we will sort it.

What Happens to Your SumUp Reader

You own your SumUp hardware outright since you paid for it upfront. Here is what to know about each item.

SumUp Air reader - yours to keep but will not work without an active SumUp account

SumUp Solo terminal - yours if purchased, but locked to SumUp software

SumUp Solo with printer - same as above, the printer dock is also locked to SumUp

Charging cradle and cables - keep them with the hardware

SumUp POS accessories (cash drawer, receipt printer) - universal hardware, works with other systems

Refund window: SumUp offers a 30-day return policy on hardware purchased directly from them. After that, no returns.

Resale: SumUp readers have limited resale value since they only work with SumUp. The Solo terminal holds slightly more value on the second-hand market.

With Dojo: Your Dojo terminal is provided as part of the package, including a built-in receipt printer and 4G. No separate hardware purchase needed.

Common SumUp Cancellation Problems

Payout did not arrive after closing the account

If you closed before your last payout cleared, contact SumUp support through the app or website. The money is still legally yours and they must pay it out. It may take a few extra days as they process it manually. This is why we always recommend waiting for all payouts to land first.

Still being charged for SumUp subscriptions

Closing your SumUp account does not always cancel paid add-ons like SumUp POS or the Business Account. Check your bank statements for recurring SumUp charges after closure. Contact support to request a refund for any post-closure charges.

Cannot close account because of a pending chargeback

SumUp will not let you close your account if there is an open chargeback dispute. You need to wait for the dispute to be resolved, which can take up to 45 days. Once it is settled, you can close the account normally.

Lost my transaction history and need it for tax

Once closed, SumUp will not provide data access. Contact their support team and explain you need records for HMRC tax compliance. They may be able to provide a limited export, but there is no guarantee. Always export your data before closing.

Cancellation Timeline

SumUp is one of the fastest cancellations you can do. Here is the realistic timeline.

Step	Timeframe	What happens
Process final transactions	Day 1	Take your last payments through SumUp
Wait for payouts to clear	Day 1 to 3	All pending payouts land in your bank (1-3 business days)
Export data	Day 3	Download transaction history and sales reports
Cancel paid add-ons	Day 3	Turn off SumUp POS, Business Account, or other subscriptions
Close account	Day 3	Settings > Close Account. Instant.
Confirmation email	Day 3	You receive email confirming the account is closed

Real Numbers: What Switching Actually Saves

Based on a mobile barber client we switched in February 2026. Figures rounded for privacy.

With SumUp

Monthly card sales: £8,000

Transaction fees (1.69%): £135

Monthly subscription: £0

Total: £135/month

With Dojo (via CapExpand)

Monthly card sales: £8,000

Transaction fees (1.4%): £112

Monthly package: £20

Total: £132/month

Saving: £3/month (£36/year)

The fee saving is small at this volume, but the real value is next-day payouts (SumUp takes 1-3 days), a proper standalone terminal with 4G, and a built-in receipt printer. No exit fee to worry about.

Outgrowing SumUp? Here is what most of our customers switch to.

SumUp is fine when you are starting out, but most businesses hit a ceiling. The phone-connected reader is fiddly, payouts take days, and there is no receipt printer.

Next-day payouts, 7 days a week
Built-in 4G and WiFi
Proper countertop terminal with receipt printer
UK-based phone support
No setup fees

Get a free Dojo quote Call 0333 041 3933

Frequently Asked Questions

How do I cancel my SumUp account?▼

Dead simple. Log into SumUp on the app or website, go to Settings > Close Account, and follow the prompts. No phone call needed, no letter, no waiting on hold. It is genuinely a two-minute job. We walk people through this every week and nobody has run into issues.

Are there any SumUp exit fees or cancellation charges?▼

Zero. SumUp is pay-as-you-go, no contract, no monthly commitment, no exit fee. You just stop using it. This is one of the things SumUp does get right: leaving is completely free and hassle-free.

What happens to my money when I close my SumUp account?▼

Any money owed to you will still come through to your bank account. But here is the thing: SumUp payouts take 1-3 business days, so do not close the account the same day as your last transaction. Wait until that final payout has actually landed in your bank. We have seen people close too early and then have to chase up a missing payout, which is a headache you do not need.

Can I cancel SumUp within 14 days?▼

There is no cooling-off period to worry about because there is no contract. You can cancel SumUp at any time, no questions asked, no penalties. Whether you have had it for a week or two years, the process is exactly the same and it costs nothing.

Can I reactivate my SumUp account after cancelling?▼

No, once it is closed, it is closed for good. You would need to sign up again from scratch with a brand new account. So before you pull the trigger, make sure you have downloaded any transaction reports or customer data you might need later. It only takes a few minutes from the Dashboard.

Will SumUp chase me for money after I close my account?▼

No. Since there is no contract, once your account is closed and all transactions are settled, you owe SumUp nothing. The only exception is if there is an open chargeback or dispute on a recent transaction, which SumUp may need to resolve before fully closing your account.

Can I keep my SumUp card reader?▼

Yes, you own it. You paid for it upfront so it is yours. However, like all proprietary readers, it only works with SumUp. Once your account is closed it is essentially a paperweight. SumUp readers have minimal resale value.

What is a better alternative to SumUp for UK businesses?▼

Most businesses we speak to are leaving SumUp because they have outgrown it. They want a proper countertop terminal instead of a phone-connected reader, and they want their money faster. Dojo gives you next-day payouts instead of waiting 1-3 days, built-in 4G so you are not tethered to your phone, and a full terminal with receipt printing. We are an authorised Dojo partner and we handle the entire setup for free.

How long does it take to switch from SumUp to Dojo?▼

Usually 24 to 48 hours. We deliver the Dojo terminal, set it up, and test it. Since there is no contract with SumUp, you can close your SumUp account the same day your Dojo machine goes live. There is no overlap period to worry about and no downtime.

Best SumUp Alternatives UK 2026

Compare Dojo and other options side by side

How to Switch from SumUp to Dojo

Step-by-step switching guide with no downtime

← Back to all cancellation guides

CapExpand is an authorised Dojo partner and exclusively provides Dojo card machines. Other providers mentioned on this page are listed for informational purposes only and are not available through CapExpand. CapExpand is not a financial adviser. Information on this page was last reviewed in April 2026.

How to Cancel SumUp

Last updated: April 2026 · Written by the CapExpand switching team

Step

Timeframe

What happens

Process final transactions

Day 1

Take your last payments through SumUp

Wait for payouts to clear

Day 1 to 3

All pending payouts land in your bank (1-3 business days)

Export data

Day 3

Download transaction history and sales reports

Cancel paid add-ons

Day 3

Turn off SumUp POS, Business Account, or other subscriptions

Close account

Day 3

Settings > Close Account. Instant.

Confirmation email

Day 3

You receive email confirming the account is closed