Tiller By Sumup

What Tiller By Sumup does

Tiller By SumUp is the French-market branded offering of SumUp, a mobile point-of-sale (mPOS) and integrated business management platform serving small and medium-sized merchants across 35+ countries. Tiller was acquired by SumUp in 2021 and contributes financial management, expense tracking, and spend visibility to the broader SumUp ecosystem. The full SumUp product stack includes Tap to Pay (smartphone-based contactless acceptance), the SumUp Solo payment terminal, a free POS system (Caisse Enregistreuse), a regulated business account (Compte Pro) with next-day and weekend settlements, a personal account with cashback, and add-on modules covering invoicing, online payments, online store building, bookings, order & pay, loyalty programs, gift cards, cash advance (Avance de fonds), and self-service kiosks.

The platform is built on a modular architecture that lets merchants compose payment acceptance, financial management, and operational tools under a single self-serve onboarding flow. Distribution is product-led: merchants self-onboard via the website or SumUp Business app (iOS and Android), supported by SEO, vertical-specific content, and app store presence. Tiller contributes the financial management layer (expenses, spend tracking) into this integrated ecosystem.

SumUp monetizes primarily through transaction-based fees: a pay-as-you-go model at 1.75% per transaction with no monthly commitment, and a subscription tier (Paiements Plus) at €19/month for a reduced 0.89% rate. Supplementary revenue comes from hardware sales (SumUp Solo terminals), financial services (cash advance), and ancillary services. The merchant base of 4M+ spans food & beverage, retail, professional services, hospitality, and non-profits, with primary segments being SMBs such as cafés, restaurants, bakeries, retail stores, salons, and trades. The company employs approximately 3,000 people, with SumUp Limited (Ireland) being the regulated entity under the Central Bank of Ireland, while the parent operates from Berlin, Germany.

Name

Tiller By Sumup

Legal name

SumUp Limited

Website

https://sumup.fr

Company type

Private

Founded year

2012

Operating status

Operating

Short description

Tiller By SumUp is a French-market sub-brand of SumUp, the mobile point-of-sale and integrated business management platform acquired in 2021, delivering cloud-based POS, expense tracking, and financial management tools to over 4 million SMB merchants across 35+ countries.

Ownership category

akta.pro rank

Product category

Payment Processing Software

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Merchant Services Aggregators & SMB Acquirers (FSAMABAK)

akta.pro secondary industries

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), SME Cash Management & Payments (Merchant, ACH/Wires, Payroll) (FSABABAD)

Keywords

• Cloud POS software
• Payment processing
• Merchant services
• Expense management
• Contactless payments

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Transaction Fees - Pay-as-you-go: 1.75% per transaction with no monthly fee. Merchants pay only when they make sales.
2. Subscription - Paiements Plus: 0.89% per transaction with €19/month subscription. Lower transaction rate for committed merchants.
3. Hardware Sales: Sale of payment terminals including SumUp Solo and other card readers
4. Financial Services: Cash advance (Avance de fonds) providing merchants with upfront funding

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Tiller By SumUp provides cloud-based POS and management software for hospitality and retail businesses, delivered as part of SumUp's integrated merchant ecosystem. It combines Tap to Pay contactless payment acceptance, free POS software, payment terminals, a business account with next-day settlements, invoicing, online store, bookings, expense management, loyalty and gift card programs. The offering targets SMB merchants across food & beverage, retail, professional services, hospitality, and non-profit segments.

Product overview

SumUp offers a unified payment and business management platform for small and medium-sized merchants. The core offering consists of payment acceptance solutions (Tap to Pay, payment terminals like SumUp Solo, POS system) combined with financial management tools (Business Account, Personal Account with cashback) and business operations features (invoicing, online store, bookings, loyalty programs, expense tracking). The platform architecture is modular, allowing merchants to compose their solution from core payment acceptance, financial tools, and optional add-ons like gift cards, order management, and cafe-specific POS features. Pricing is available as pay-as-you-go (1.75% transaction fee) or subscription-based Paiements Plus (0.89% + €19/month).

Differentiator

Problem solved

Functional benefit

Brands

• Tiller: Financial management and spend tracking solution for small businesses, acquired by SumUp in 2021

Products and services

• Caisse Enregistreuse (POS System) Free POS software for accepting online and in-store payments, tracking top sales, managing teams, and producing reports and analytics. Targeted at French SMB merchants in retail, food & beverage and services.
• Tap to Pay Contactless payment acceptance directly on a compatible smartphone, with no additional card reader hardware required. For SMB merchants and independent professionals who want low-friction mobile payments.
• Compte Pro SumUp (Business Account) Merchant business account with free transfers, next-day settlements (including weekends and holidays), and instant transfers. For SMB merchants using SumUp's payment ecosystem.
• Dépenses (Expense Management) Expense tracking and management tool for business finances, helping SMB merchants monitor and control spend.
• Factures (Invoicing) Digital invoicing solution for creating and sending professional invoices to customers. For SMB merchants and freelancers.
• Boutique en Ligne (Online Store / E-shop) E-shop builder enabling SMB merchants to create and manage online storefronts and sell online.
• Paiements en Ligne (Online Payments) Online payment acceptance product enabling merchants to take payments through ecommerce channels including online store integrations.
• Paiements par Lien (Payment Links) Standalone product for sending payment links via messaging or email to collect payments remotely. For SMB merchants, freelancers and service providers.
• Bookings Appointment and booking management tool for service businesses such as salons, spas, health providers and other appointment-based merchants.
• Order & Pay Digital ordering system allowing customers to place and pay for orders via their own devices. For restaurants, cafés and similar venues.
• SumUp Kiosk (Borne de commande) Self-service ordering kiosk for restaurants and retail environments, enabling unattended customer ordering and payment.
• Programme de Fidélité (Loyalty Program) Customer loyalty program allowing businesses to offer points or stamps to convert new customers into regulars. For retail and food & beverage merchants.
• Bons d'Achat (Gift Cards) Gift card system for selling and redeeming gift vouchers. For retail, cafés and restaurants.
• Avance de Fonds (Cash Advance) Business cash advance service providing upfront funding to merchants based on their SumUp transaction history. For SMB merchants needing working capital.
• SumUp Business App Mobile application for iOS and Android that allows merchants to accept payments, track sales, and manage business operations on the go.
• Compte Personnel SumUp (Personal Account) Personal payment account offering 0.5% cashback and 5% cashback at SumUp merchants, with no fees on sales. For individual consumers paying SumUp merchants.

Named customers2 records

Segments5 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Stripe: Stripe provides payment processing infrastructure with growing SMB and Tap to Pay-style offerings (Stripe Terminal). Direct overlap on payment acceptance, online checkout, and merchant financial services.
• Toast: Toast is a restaurant-focused POS and payments platform — a key vertical competitor to SumUp's 'SumUp pour Cafés' and food & beverage merchant offerings, with deeper restaurant-specific functionality.
• Lightspeed Commerce: Lightspeed offers cloud POS and payments for retail and hospitality SMBs, overlapping directly with SumUp's retail and F&B verticals on both software and payment acceptance.
• Zettle by PayPal: Zettle (formerly iZettle) by PayPal is one of SumUp's closest direct mPOS competitors, offering card readers, POS software, and merchant tools targeting very small European businesses.
• Block (Square): Block's Square is the most direct competitor, offering mPOS hardware, payment processing, POS software, and merchant financial services to SMBs globally — closely matching SumUp's product set and target customer.
• PayPal (including iZettle / Zettle): PayPal owns Zettle (formerly iZettle), an mPOS solution directly competing with SumUp in European SMB markets, alongside PayPal's broader online and in-person payment products for small businesses.

Broad incumbents

• Adyen: Adyen is a global payment platform serving enterprise and mid-market merchants with unified online/in-person payments. It competes with SumUp on the in-person acceptance side while also serving larger customers.
• Clover (Fiserv): Clover, owned by Fiserv, is an SMB POS and payments platform with hardware terminals and an app marketplace — competing with SumUp on integrated in-person acceptance for small merchants.
• Worldline: Worldline is a major European payment processor offering acquiring, POS terminals, and merchant services across the continent, directly overlapping with SumUp's core SMB acquiring business in Europe.

Regional players

• Nexi: Nexi is a leading European payments company providing acquiring and POS services across multiple EU markets — a regional competitor to SumUp in its strongest geographies.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• GitHubgithub.com/sumup
• YouTubeyoutube.com/sumup
• Facebookfacebook.com/SumUpGlobal
• LinkedInlinkedin.com/company/sumup
• Instagraminstagram.com/sumup

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tiller By Sumup