Tiller By Sumup
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.
- Company typePrivate
- Founded2012
- HeadquartersParis, France
- Headcount—
- GTM typeB2B
- OfferingSoftware
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.
Tiller By Sumup firmographics
Firmographics- 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
Tiller By Sumup industry classification
Industry- 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
Where Tiller By Sumup is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
Tiller By Sumup business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Transaction Fees - Pay-as-you-go: 1.75% per transaction with no monthly fee. Merchants pay only when they make sales.
- Subscription - Paiements Plus: 0.89% per transaction with €19/month subscription. Lower transaction rate for committed merchants.
- Hardware Sales: Sale of payment terminals including SumUp Solo and other card readers
- Financial Services: Cash advance (Avance de fonds) providing merchants with upfront funding
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Pay-as-you-go: 1.75% per transaction, €0/month |
| Subscription | Monthly | Paiements Plus: 0.89% per transaction, €19/month |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
Tiller By Sumup product offering
Product offeringCore 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.
Companies that use Tiller By Sumup
Customer profileNamed customers2 records
Segments5 records
Ideal customer profiles2 records
Tiller By Sumup technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Tiller By Sumup partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights6 records
Tiller By Sumup competitors and assessment
Company assessmentDirect 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
Tiller By Sumup social profiles
Digital presenceTiller By Sumup compliance and trust
Trust signalCompliance1 record
Tiller By Sumup financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tiller By Sumup leadership team
Management profileNumber of profiles
Tiller By Sumup subsidiaries and ownership
Company hierarchySubsidiaries1 record
Tiller By Sumup funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tiller By Sumup 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 Tiller By Sumup
What does Tiller By Sumup do?
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.
Is Tiller By Sumup a public or private company?
Tiller By Sumup is a private company. It is classified as corporate owned and is currently operating.
When was Tiller By Sumup founded?
Tiller By Sumup was founded in 2012.
Where is Tiller By Sumup based?
Tiller By Sumup is headquartered in Paris, France, in the Europe region.
How does Tiller By Sumup make money?
Four revenue lines are on record. Transaction Fees - Pay-as-you-go is the primary driver. The others are subscription - Paiements Plus, hardware Sales and financial Services.
Who are Tiller By Sumup's main competitors?
Direct peers on record are Stripe, Toast, Lightspeed Commerce, Zettle by PayPal, Block (Square) and PayPal (including iZettle / Zettle). Broad incumbents are Adyen, Clover (Fiserv) and Worldline. Nexi is listed as a regional player.
Does Tiller By Sumup have an API?
Yes. Tiller By Sumup exposes a public API. Developer documentation is at developer.sumup.com.
What industry is Tiller By Sumup in?
Tiller By Sumup's product category is Payment Processing Software. Its primary akta.pro industry code is FSAMABAK, Merchant Services Aggregators & SMB Acquirers, with a secondary code of FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure. Its SIC code is 7372.