payleven
payleven operates a cloud-based unified commerce platform enabling small and medium-sized businesses in Latin America to accept card payments, manage point-of-sale operations, run loyalty programs, and access fintech services under the SumUp technology stack.
- Company typePrivate
- Founded2012
- HeadquartersSão Paulo, Brazil
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What payleven does
payleven operates a unified commerce and payment processing platform targeting small and medium-sized businesses, with operating roots in São Paulo, Brazil and an integrated global technology stack delivered under the SumUp brand. The platform combines card readers (Solo at $99, Terminal at $249), entry-level and full POS systems (POS Lite at $499 one-time, SumUp POS at $99/month), a customer loyalty and AI-powered marketing suite (SumUp Connect, tiered up to $289/month), self-service kiosks, digital gift cards, invoicing software, and an investment offering (SumUp Wealth). The underlying architecture is a cloud-based POS system that integrates payment processing, inventory and staff management, customer rewards, and third-party delivery aggregation (Uber Eats, GrubHub, DoorDash), accessible via iOS and Android apps and a developer API.
The business model rests on three revenue streams: per-transaction processing fees (2.6% + 10 cents in-person, 3.5% + 15 cents online/manual), one-time hardware sales with 1-year warranties, and recurring software subscriptions for advanced POS and loyalty features. Banking and card-issuing services are provided through partnerships with Fifth Third Bank, Piermont Bank, Airwallex, and Community Federal Savings Bank, while investment products are delivered via Atomic Brokerage. Customer segments span small local businesses, food and beverage establishments, retail, personal services, and a growing enterprise/multi-location tier served by a dedicated sales team.
Go-to-market is hybrid: product-led self-serve onboarding for SMBs (app store signup, online hardware store, 30-day money-back guarantee) combined with an enterprise field-sales motion for multi-location accounts across nearly 40 countries. Distribution leverages app store presence, an affiliate program, a developer portal with bug bounty, content marketing via a Business Guide blog, and a Fivestars customer acquisition integration. The company is privately held, headquartered in São Paulo with 101-250 employees, and operates within a broader SumUp ecosystem serving 4 million merchants across 37 markets.
payleven firmographics
Firmographics- Name
- payleven
- Legal name
- SumUp Inc.
- Website
- https://sumup.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- payleven operates a cloud-based unified commerce platform enabling small and medium-sized businesses in Latin America to accept card payments, manage point-of-sale operations, run loyalty programs, and access fintech services under the SumUp technology stack.
- Ownership category
- akta.pro rank
payleven industry classification
Industry- Product category
- Mobile Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- akta.pro primary industry
- Card-Present Acquirers (Retail & POS Focus) (FSAMABAC)
- akta.pro secondary industries
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)
Keywords
Where payleven is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
payleven business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Marketing or Sales, Infrastructure, Supply Chain, Personnel
Revenue model
- Payment Processing Transaction Fees: Primary revenue stream from transaction fees charged on every payment processed. In-person transactions charged at flat 2.6% + 10 cents per transaction. No monthly minimums or hidden fees.
- Hardware Sales: One-time sales of card readers (Solo at $99, Terminal at $249) and POS systems (POS Lite at $499, SumUp POS at $799). Hardware comes with 1-year warranty.
- Software Subscriptions: Monthly subscription fees for advanced features: SumUp POS at $99/month, SumUp Connect Plus at $199/month, SumUp Connect Pro at $289/month. POS Lite has no monthly fee.
- Gift Card Transaction Fees: 3.5% fee plus 15 cents on every gift card purchase amount, in addition to the gift card face value received.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | In-Person Payment Processing |
| Transaction based/ take rate | Pay-as-you-go | Online & Manual Entry Processing |
| Transaction based/ take rate | Pay-as-you-go | Gift Card Purchases |
| One time/ perpetual license | Pay-as-you-go | POS Lite (Hardware Bundle) |
| Subscription | Monthly | SumUp POS |
| Subscription | Monthly | SumUp Connect Plus |
| Subscription | Monthly | SumUp Connect Pro |
| Unit Pricing | Pay-as-you-go | Solo Card Reader |
| Unit Pricing | Pay-as-you-go | Terminal Card Reader |
| Freemium | Pay-as-you-go | SumUp Invoices |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels7 records
payleven product offering
Product offeringCore offering
Payleven (operating as SumUp) enables small and medium-sized businesses to accept card payments via smartphone or tablet through mobile card readers, complemented by cloud-based POS hardware, integrated payment processing, customer loyalty and marketing automation, digital gift cards, invoicing, and an investment platform. Revenue is generated primarily through per-transaction processing fees, hardware sales, and software subscriptions.
Product overview
SumUp is a financial technology company offering a unified commerce platform for small businesses, combining payment processing with business management tools. The core product portfolio includes SumUp POS (cloud-based point of sale system at $99/month) and POS Lite (entry-level hardware bundle at $499), supplemented by card readers (Solo at $99, Terminal at $249), the SumUp Connect loyalty and marketing platform ($269/month), SumUp Kiosk self-service ordering, digital gift cards, free invoicing software, and SumUp Wealth investment services. The platform is designed for diverse business types including food and beverage, retail, and service businesses, with enterprise solutions supporting multi-location operations across nearly 40 countries.
Differentiator
Problem solved
Functional benefit
Brands
- SumUp POS: Cloud-based point of sale system for small businesses
- SumUp Connect
- SumUp Wealth
- POS Lite
- SumUp Invoices
- SumUp Kiosk
- Gift Cards
- SumUp Solo
- SumUp Terminal
Products and services
- SumUp POS Full-featured cloud-based POS system with inventory management, staff management, customer loyalty, CRM, advanced reporting, and 24/7 POS expert support. Starting at $99/month.
- POS Lite Entry-level POS bundle for small businesses including POS Lite Register with 13-inch touchscreen and Solo card reader. Priced at $499 with no monthly subscription; standard transaction fees apply.
- SumUp Solo Card Reader Standalone mobile card reader accepting contactless, chip, and swipe payments without requiring a phone/tablet. Priced at $99 with 1-year warranty and standard transaction fees.
- SumUp Terminal Handheld all-in-one POS device combining payment acceptance and POS capabilities for hospitality, retail, and busy venues. Priced at $249 with 1-year warranty.
- SumUp Kiosk Self-service ordering kiosk for quick-service restaurants, cafes, and bakeries. Orders are sent directly to kitchen printer or KDS, reportedly producing 25-35% larger orders and 50% faster service.
- SumUp Connect Customer loyalty and marketing automation platform with AI-powered messaging, automated promotions, customer database, and rewards programs. Subscription tiers starting at $199/month (Plus) and $289/month (Pro).
- SumUp Gift Cards Digital gift card solution letting customers purchase gift cards online at any price without expiration. Charge of 3.5% + 15¢ per gift card transaction in addition to face value.
- SumUp Invoices Free invoicing software for creating unlimited invoices and quotes with automatic calculations, multiple payment methods, real-time status tracking, and mobile app access. No monthly fees; small transaction fee only for online card payments.
- SumUp Wealth Investment and savings platform providing access to a high-yield cash sweep program, individual stocks, and ETFs through Atomic Brokerage partnership. Includes Auto Invest Plan, interest compounding, and transaction history tracking.
Quantifiable outcome
- Kiosk orders are typically 25-35% larger than in-person orders, boosting overall sales
- +3 more outcomes
Companies that use payleven
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles2 records
payleven technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability4 records
Feature8 records
payleven partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered minor and core.
- FivestarsminorCustomer discovery and rewards app integration. Customers can discover businesses through Fivestars App and access savings and rewards, driving customer acquisition.
- Uber EatscoreThird-party delivery platform integrated with SumUp POS for order aggregation. Centralizes online orders into POS workflow.
- GrubHubcoreThird-party delivery platform integrated with SumUp POS for order aggregation. Centralizes online orders into POS workflow.
- DoorDashcoreThird-party delivery platform integrated with SumUp POS for order aggregation. Centralizes online orders into POS workflow.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
payleven competitors and assessment
Company assessmentDirect peers
- Toast: Toast is a leading cloud-based POS and payments platform purpose-built for restaurants, directly overlapping SumUp's food & beverage vertical with similar hardware-plus-software-plus-payments bundling.
- Clover (Fiserv): Clover is a POS and payments platform from Fiserv serving SMBs with card-present hardware and a software marketplace, competing head-to-head with SumUp's POS and card reader lineup in retail and F&B.
- Block (Square): Square is SumUp's most direct global competitor, offering flat-rate card readers, Square POS, software subscriptions, and embedded banking (Square Banking) targeted at the same SMB segment.
- Zettle (PayPal): PayPal-owned Zettle is a direct European rival to payleven/SumUp in mobile card readers and SMB POS, offering similar flat-rate card-present acceptance in overlapping markets.
- Lightspeed Commerce: Lightspeed provides cloud POS, payments, and commerce software for retail and hospitality SMBs, with integrated payment processing that competes with SumUp's unified commerce platform.
Broad incumbents
- Adyen: Adyen is a global payments incumbent serving enterprise and SMB omnichannel merchants; while enterprise-heavy, it competes with SumUp on card-present processing and unified commerce.
- Stripe: Stripe is a broad payments infrastructure incumbent; while primarily online-focused, its Terminal and Stripe Reader products increasingly compete with SumUp in in-person SMB acceptance.
- NCR Voyix: NCR Voyix provides POS hardware, software, and payments for retail and hospitality, overlapping SumUp's enterprise tier and competing for multi-location merchants.
- Shopify: Shopify's POS offerings and Shopify Payments compete with SumUp at the retail and omnichannel SMB layer, bundling commerce software with integrated payment processing.
Others
- SumUp (global parent): SumUp is the global parent brand acquired payleven; the broader SumUp group is the most direct comp for unit economics, footprint, and product scope, and serves as the strategic reference point for payleven's trajectory.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
payleven social profiles
Digital presencepayleven financial estimates
Financial estimateRevenue estimate
Valuation estimate
payleven leadership team
Management profileNumber of profiles
Profiles1 record
payleven funding detail
Funding detailFunding overview
Funding rounds5 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
payleven M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about payleven
What does payleven do?
Payleven (operating as SumUp) enables small and medium-sized businesses to accept card payments via smartphone or tablet through mobile card readers, complemented by cloud-based POS hardware, integrated payment processing, customer loyalty and marketing automation, digital gift cards, invoicing, and an investment platform. Revenue is generated primarily through per-transaction processing fees, hardware sales, and software subscriptions.
Is payleven a public or private company?
payleven is a private company. It is classified as venture growth investor backed and is currently operating.
When was payleven founded?
payleven was founded in 2012. It employs 101 to 250 people.
Where is payleven based?
payleven is headquartered in São Paulo, Brazil, in the Latin America region.
How does payleven make money?
Four revenue lines are on record. Payment Processing Transaction Fees are the primary driver. The others are hardware Sales, software Subscriptions and gift Card Transaction Fees.
Who are payleven's main competitors?
Direct peers on record are Toast, Clover (Fiserv), Block (Square), Zettle (PayPal) and Lightspeed Commerce. Broad incumbents are Adyen, Stripe, NCR Voyix and Shopify. SumUp (global parent) is listed as an others.
Does payleven have an API?
Yes. payleven exposes a public API. Developer documentation is at developer.sumup.com.
What industry is payleven in?
payleven's product category is Mobile Payment Processing. Its primary akta.pro industry code is FSAMABAC, Card-Present Acquirers (Retail & POS Focus), with a secondary code of FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure. Its NAICS code is 52232.