SumUp Loyalty vs FaveCard (2026): Rewards on a Linked Card or a Stamp Card in Apple Wallet

Who each is best for

SumUp makes card readers and tills for small businesses. Its loyalty programme, SumUp Loyalty, is for businesses that take card payments with SumUp in Europe: its loyalty pages cover 27 European countries. Your customers keep their rewards in SumUp's own app, SumUp Local, and earn when they pay by card, so nobody at the counter has to scan anything. If your customers pay by card through SumUp and do not mind one more app, it costs you nothing extra.

FaveCard is a digital stamp card, not a card reader. It suits a business that wants customers to sign up by scanning a QR code, with no app to download, keep the card in Apple Wallet or Google Wallet (Pro plan and up) or open it in the browser, see their stamps any time, and, on the Business plan, hear from you on their lock screen. A stamp does not depend on how the customer pays. It works for any local business, from a coffee shop or bakery to a hair salon, a barber or a car wash, and next to any till or card reader, SumUp included.

What SumUp Loyalty costs, and where

This is what SumUp's own pages showed on 8 November 2026:

• Europe: 27 countries, free to join on its EU pages. SumUp's loyalty pages for businesses exist for Austria, Belgium, Bulgaria, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and the UK. The EU pages each offer a free sign-up (the UK page shows no price; a SumUp UK business guide calls it “a free tool”); the Polish page, for one, says joining SumUp Local is free, “bez dodatkowych kosztów i sprzętu” (with no extra costs or hardware). SumUp first launched it in six of them (the UK, France, Germany, Ireland, Spain and Italy) on 21 April 2026, with “no new hardware” needed, its press release says. Its Irish page says “SumUp Local is free to join, with no extra costs or hardware needed”, and its German, Spanish and French pages say the same. The UK page shows no price; SumUp's UK business guide on SumUp Loyalty, which has no date, calls the programme “a free tool”.
• SumUp Register. On SumUp's countertop till, bought outright, “Essential POS and Loyalty features are included in the purchase price”, the press release says; POS Plus adds more, such as order syncing across several devices.
• A separate add-on in the UK. SumUp's UK POS Pro pricing page still lists “Advanced Loyalty” at £19 a month, to “Reward customers via Goodies app”, next to POS Pro from £49 a month (excluding VAT). How it relates to SumUp Loyalty is not said.
• United States. SumUp Loyalty is not offered there (the US is not among the countries on its loyalty pages), and we found no US version. SumUp's US loyalty product is SumUp Connect, the former Fivestars: Connect Plus $269 and Connect Pro $349 a month on its pricing page, or $199 a month for Connect Plus with SumUp POS. More in our Fivestars alternatives.

FaveCard has a free plan with no time limit, no credit card and no cap on customers: one stamp card, a card that opens in your customers' phone browser, and stamping with the FaveCard app. The Pro plan adds Apple Wallet and Google Wallet passes and your own logo and banner; the Business plan adds offers sent to their lock screen through the Wallet card, a birthday reward sent for you, Google review requests, a tablet at the counter where customers stamp their own card, your customer list as a CSV download and logins for your staff. Prices are set by country; current amounts are on our pricing page.

Points or stamps?

SumUp Loyalty offers both. You set up “digital stamp cards or points-based reward programmes” in your SumUp dashboard, and its UK page says you can reward customers on “how often they visit, how much they spend, or what they buy”, with points or stamps “for purchases, visits, or custom actions”. The same UK business guide gives two examples: “buy six coffees and get one free”, or “earn ten points per £1 spent”.

FaveCard gives stamps. You choose how many stamps the card has and the rewards along the way, each in your own words: a free coffee at 8 stamps, a free haircut at 10. Stamps do not depend on the size of the bill, which makes the card easy for customers to follow.

How customers join and collect

With SumUp Loyalty, the customer scans a QR code to download SumUp Local and adds their payment card. After that, the press release says, “every purchase at a participating merchant automatically earns rewards — no scanning, no paper cards, no extra steps at the till”. SumUp's pages describe rewards on card payments; we found nothing on how a customer paying cash would earn. SumUp's consumer pages say rewards come when you pay “with your SumUp Mastercard”, while its business pages and the app listings say a linked payment card. The UK business guide quoted above (the one that calls it “a free tool”) describes a different way: the customer types their mobile number into the SumUp card reader or the SumUp Pay app.

With FaveCard, the customer scans your QR code, enters at least an e-mail and first name, and adds the card to Apple Wallet or Google Wallet (Pro plan and up) or opens it in the browser. Staff give stamps by scanning the card's QR code with the FaveCard app on an iPhone or Android phone, whether the customer pays by card or cash; on the Business plan a phone or tablet on the counter lets customers stamp their own card. If a customer changes phone, they open your page, enter their e-mail and a one-time code, and get their card back.

An app, or a card in Apple Wallet

SumUp Local is an app: free, on the App Store (iPhone only, iOS 16 or later) and Google Play, where it shows 100,000+ downloads. In it, customers collect stamps or points at SumUp Local businesses, get a notification when they earn, and redeem in the shop with one tap. We found no SumUp Loyalty card for Apple Wallet or Google Wallet on SumUp's business pages.

A FaveCard card needs no app: it sits in Apple Wallet or Google Wallet on the Pro plan and up, or opens in the phone's browser on Free, and shows the stamps whenever the customer opens it.

Reaching your customers

SumUp Local sends customers a notification automatically when they earn. Its AutoPilot sends messages “for birthdays, new sign-ups, and to win back customers who haven’t visited in a while”, and you can launch promotions and limited-time offers; the dashboard shows visits and sign-ups by day, week and month. FaveCard's Business plan sends offers to the customer's lock screen through the Wallet card, a reward on their birthday, and a Google review request after a reward, on their card and by e-mail to customers who agreed to e-mails. FaveCard sends no SMS or e-mail campaigns.

When to choose SumUp Loyalty instead

• Your customers pay by card through SumUp. Rewards are added on the payment, so staff do nothing extra and customers show nothing. FaveCard does not connect to SumUp or any other card reader.
• You want it free with what you already use. SumUp's European pages say SumUp Loyalty costs nothing extra and needs no new hardware.
• You want points as well as stamps. SumUp Loyalty can reward spend and what customers buy; FaveCard stamps do not depend on the bill.
• You want to be found by new shoppers. Businesses on SumUp Local are listed in the app; SumUp's UK page says it can put you in front of “2.8 million+ customers”. FaveCard gives you a free business page and your own QR code, but no shopper network.
• You want win-back messages sent for you. AutoPilot messages customers who have not been back. FaveCard sends no win-back messages for you: its offers go out when you send them.

Running FaveCard next to SumUp

SumUp Loyalty is built for businesses that take payments with SumUp; FaveCard works next to any card reader. If your customers would rather not download another app, if many pay cash (SumUp's pages describe rewards on card payments), if you also take payments with another provider (we found no version for other card readers), or if you are outside the 27 European countries on SumUp's loyalty pages, keep SumUp for payments: take the payment as usual, then scan the customer's FaveCard card with the FaveCard app, or let them stamp their own card at a counter tablet on the Business plan. If you also run SumUp Loyalty, tell customers clearly which programme they are collecting in.

How we compared

How we verified this: We make FaveCard. Every SumUp fact comes from SumUp's own pages, checked on 8 November 2026: its loyalty pages for the UK, Ireland, Germany, Spain and France, and a sample of its other European loyalty pages (Italy, Austria, the Netherlands, Poland, Malta and Hungary; the full country list comes from the language versions each page links to), its April 2026 launch press release (English, German and Spanish versions), its UK business guide on SumUp Loyalty, its UK POS Pro pricing page, its consumer loyalty pages, the SumUp Local listings on the App Store (UK and Poland) and Google Play, and its US SumUp Connect pages. SumUp's help-centre articles did not show their text to our checks, so we did not use them. Where SumUp's pages describe the programme in two ways, we say so. FaveCard's plans were checked against our released product (release 14) on 7 November 2026. FaveCard's business numbers come from our own records (FaveCard in numbers): 2,000+ counts the businesses that gave stamps to at least two different customers in the last 30 days (22 September – 21 October 2026), and 80+ the countries where those businesses are based (the country in each business's FaveCard profile; countries, not territories). As of October 2026. We did not sign up for SumUp or download SumUp Local; where its public pages say nothing, we say “not found”. Prices and plans change: check each source before relying on it, and if you see an error, tell us through our contact page and we will correct it. SumUp, SumUp Local, Mastercard, Apple Wallet and Google Wallet are trademarks of their owners; FaveCard is not affiliated with, endorsed or sponsored by any of them.

Update log

• 8 November 2026: page written; every SumUp fact checked on its own pages on 8 November 2026. Same day, after a second check: where SumUp Loyalty works now reads 27 European countries, from SumUp's current loyalty pages (the six countries are its April 2026 launch list), and we say plainly that the card-reader sign-up comes from the same UK business guide quoted elsewhere on this page.