S

SumUp

SMB-focused card payment processing hardware

Senior Backend Engineer

Full-TimeUpdated on 10/14/2026
No salary listed
Senior
São Paulo, State of São Paulo, Brazil
In Person
Software EngineeringBackend Engineering

About the job

Requirements
  • Solid backend development skills with experience in Go, or strong experience in functional backend programming languages and a genuine drive to master Go quickly.
  • Strong expertise in code design, automated testing, CI/CD, performance optimisation, and building resilient, well-architected systems.
  • A track record of leading technical projects end to end, from writing design documents to shipping production improvements that hold up at scale.
  • Hands-on experience with AWS Cloud services and strong SQL optimisation skills with relational databases.
  • Advanced English proficiency, with the ability to present and discuss technical topics clearly across teams and with non-technical stakeholders.
  • Experience contributing to technical strategy beyond the immediate squad.
Responsibilities
  • Design and author RFCs that shape how the domain evolves, driving clean, scalable solutions across the integration layer with internal SumUp services and third-party services.
  • Take full ownership of backend delivery, from writing production-grade code to leading rigorous peer reviews that keep the codebase healthy and maintainable.
  • Establish clear documentation, testing practices, and CI/CD improvements that reduce technical debt and make the squad more autonomous over time.
  • Pair-program with and actively develop other engineers on the squad, acting as the technical reference point and fostering a culture of ownership and engineering excellence.
  • Partner closely with the Engineering Manager, Product Manager, and cross-functional stakeholders to translate business needs into clear technical roadmaps and scalable solutions.

About the company

SumUp provides card payment solutions for small and medium-sized businesses by selling portable card readers and handling the processing of credit and debit card payments. Its hardware plugs into( or connects to) mobile devices, enabling businesses to accept in-person card payments anywhere. Payments are processed through SumUp’s system with a flat 2.75% fee per in-person transaction, and there are no monthly costs or long-term contracts, making pricing simple and predictable. The company differentiates itself with transparent pricing, no contracts, and a globally available service across markets including the US, UK, Germany, France, and other regions, pairing affordable hardware with straightforward processing. SumUp’s goal is to help SMBs grow by giving them a secure, easy-to-use, and affordable way to take card payments anywhere.

Company Size

1,001-5,000

Company Stage

Debt Financing

Total Funding

$4.1B

Headquarters

London, United Kingdom

Founded

2012

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Simplify's Take

What believers are saying

  • September 2026 Manchester United sleeve partnership broadens consumer reach and merchant brand credibility.
  • August 2026 Newcastle United deal embeds SumUp in stadium retail and hospitality operations.
  • Canada launch and Personal Accounts expansion extend SumUp's addressable market beyond payments.

What critics are saying

  • DeFranco v. SumUp Inc. filed May 2026 adds TCPA class-action exposure in Florida.
  • Financial Ombudsman's April 2026 decision shows transaction reversals trigger merchant distrust and churn.
  • If POS Plus fails, SumUp remains a hardware commodity against Square and Adyen.

What makes SumUp unique

  • SumUp serves 4 million merchants across 38 markets with payments, POS, banking, and cards.
  • Its September 2026 Terminal and POS Plus bundle advanced restaurant workflows into one device.
  • Upvest-powered in-app investing turns idle merchant cash into money-market yield inside SumUp.

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Benefits

Health Insurance

Life Insurance

401(k) Retirement Plan

Gym Membership

Conference Attendance Budget

Professional Development Budget

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

0%
Financial IT
Oct 5th, 2026
TrueLayer and SumUp partner to simplify account top-ups across Europe.

TrueLayer and SumUp partner to simplify account top-ups across Europe. * Payments * 05.10.2026 01:16 pm TrueLayer, the Pay by Bank network used by more than 30 million people across Europe - today announced that its Pay by Bank technology powers instant account top-ups in the SumUp App, the personal account offering for consumers from global financial technology company SumUp. SumUp personal account users can now top up their balance directly from their bank account in seconds, with no card details required, helping to reduce friction and delivering a faster, more seamless payment experience. The feature went live in the UK earlier this year and has since been rolled out to Ireland, Germany, France, Spain and Italy. The integration is direct, giving SumUp full control over the customer experience while benefiting from TrueLayer's real-time bank payment infrastructure. Alongside payments, SumUp is also live with TrueLayer's data capabilities, enabling SumUp users to see their connected bank accounts balances and transactions in one place via the SumUp App. TrueLayer's account information services allow SumUp to connect to users' bank accounts securely and compliantly, supporting richer user experiences and smarter financial products across its platform. Commenting on the launch, Mariko Beising, VP Financial Services and Partnerships at TrueLayer, said: "SumUp is a brilliant example of how Pay by Bank powers faster, simpler money movement for consumers. By integrating directly with TrueLayer, SumUp delivers a convenient account top up experience, while laying the foundations for broader Pay by Bank adoption across Europe." Felix Lamouroux, SVP Global Banking at SumUp, says: "As SumUp expands its consumer offering, we are focused on making everyday financial interactions as simple and intuitive as possible. Working with TrueLayer helps us build a more connected experience across multiple banks in the SumUp App and gives us a strong foundation for developing further services."

Exame
Oct 5th, 2026
SumUp raises $124M to advance card payment receivables for small businesses

SumUp, a financial services and card payment terminal company, raised R$700 million through three Investment Funds in Credit Rights (FIDCs) on 17 September to expand receivables anticipation for its clients in Brazil. The operation, coordinated by Bradesco BBI, allows micro and small businesses to receive payment for credit card sales earlier by paying a fee. The funding was divided between three funds: SumUp Smart V with R$350 million, Smart VI with R$250 million, and Smart VII with R$100 million. The funds are backed by credit card receivables from different issuers. SumUp has been raising capital through FIDCs since 2021. In 2025 alone, the company raised R$1.75 billion across five operations. The new round continues the company's use of capital markets to finance services offered to clients, following approval from Brazil's Central Bank to upgrade its regulatory status.

Gor Spa
Sep 29th, 2026
SumUp launches POS Plus, giving U.S. Restaurants and cafes the tools to needed to compete with larger chains.

SumUp launches POS Plus, giving U.S. Restaurants and cafes the tools to needed to compete with larger chains. New Premium Subscription Tier Adds Floor Plan Management, Employee PIN Access and Accounting Integrations to Help Independent Operators Run Faster, More Profitable Service September 29, 2026 BOULDER, CO - SumUp, the global financial technology company, today announced the launch of the U.S. POS Plus, a new premium subscription tier for its point-of-sale platform designed to give small restaurant, cafe and quick-service business owners the operational tools they need to run complex service without sacrificing speed or accuracy. National Restaurant Association's 2026 State of the Industry report projects operators will add roughly 100,000 jobs in 2026, pushing total industry employment to 15.8 million. As hospitality and quick-service businesses grow, many owners find themselves managing orders, staff, and inventory with tools that were never designed for multi-station, multi-employee service. SumUp POS Plus directly addresses payment friction points that owners face daily. Features include: * Floor plan management: Visual table management * Preset discounts: Create and apply custom discount presets instantly * Order Management: Open orders, transfer orders, and sync multiple devices * Barcode scanning: Scan products for faster checkout * Cost of goods tracking: Profit and margin tracking * Employee PIN login: Secure staff access with PIN codes * Accounting integrations: Sync directly with QuickBooks, Xero and other leading platforms for streamlined bookkeeping "Independent restaurant and cafe owners are already stretched thin, managing the floor, the staff, and the books with tools that were never built for how busy their days actually are," said Andrew Helms, CEO of SumUp North America. "SumUp POS Plus closes that gap. It gives owners the operational control that larger chains have always taken for granted and ensures their operations run effectively and efficiently. For small operators, that's not a nice-to-have, it's what determines whether or not their business thrives." SumUp POS Plus is available now for U.S. merchants and can be set up in minutes. Restaurant, cafe and QSR owners can explore plans and get started at https://www.sumup.com Frequently Asked Questions * What is SumUp POS Plus? POS Plus fills the needs between SumUp's free plan and SumUp's premium point of sale platform, SumUp POS. It adds advanced operational tools, including floor plan management, multi-printer support, employee PIN access, and direct accounting integrations, all within the connected SumUp ecosystem. * Who is SumUp POS Plus designed for? It's built for U.S. small business owners in the coffee and cafe space, along with quick-service restaurants and simple full-service concepts that need more advanced order management and staff controls than a basic POS setup provides. * How much does SumUp POS Plus cost? Free for the first 30 days; $49/month after * What makes POS Plus different from SumUp's standard POS? POS Plus expands on core POS functionality with features purpose-built for busier, multi-station service environments, including Floor Plans, and Employee PINs for role-based staff access, along with direct integrations to accounting platforms like QuickBooks and Xero. * Where can businesses sign up for SumUp POS Plus and explore more? U.S. merchants can explore SumUp POS Plus and the full SumUp product lineup at sumup.com. All core products are available on a self-serve basis. About SumUp SumUp is a leading global financial technology company driven by the purpose of leveling the playing field for businesses of all sizes, with the vision of a world where everyone can build a thriving business. Founded in 2012, SumUp is the financial partner for more than 4 million small merchants in 38 markets worldwide, helping them start, run and grow their business. Coming from the payment space, SumUp today supports its merchants across its main three pillars: payment, POS, and account & card. In Canada and Mexico, SumUp can provide merchants with in-person and remote payment acceptance seamlessly integrated with SumUp's card terminal. SumUp is committed to leveraging its success to make the world a better place, pledging 1% of the net revenue generated by Solo devices to support environmental causes and advocating for educational and entrepreneurial projects around the world. SumUp has been recognized as a Top Global Employer for inclusion by the Stonewall Workplace Equality Index.

Switch4Profit
Sep 17th, 2026
Compare card payment providers: What should your business really be looking for?

Compare card payment providers: What should your business really be looking for? If you're reviewing your business costs, it's easy to focus on one number: the rate you're paying to take card payments. But in its experience at Switch4Profit, that's only part of the picture. The right payment solution needs to work with your EPOS, support your team when things go wrong, get your money into your bank quickly and give you the flexibility to change as your business grows. That's why Switch4Profit Ltd believe it's worth looking at the whole package, rather than simply comparing headline rates. So, how do they compare? There are plenty of payment providers competing for UK businesses, from established names such as Worldpay and Barclaycard to newer providers including Dojo, Teya, Square, SumUp and Flatpay. They all have their strengths, but there can be some important differences when you look beyond the headline price. It's not just about the headline rate. Switch4Profit Ltd has seen businesses spend far too much time comparing transaction rates without looking at what they're actually paying overall. For example, a flat rate might look attractive when you're processing a relatively small amount each month. But as your turnover increases, the difference between a flat rate and a properly structured pricing model can become significant. There can also be other costs to consider - monthly fees, settlement charges, terminal rental, PCI fees, authorisation fees and contract termination costs. The rate on the sales proposal isn't necessarily the number that matters most. Your total cost is. That's why Switch4Profit Ltd always recommend looking at your actual statements and invoices before deciding whether you're getting a good deal. Technology matters too. For a busy pub, restaurant, club or retail business, your card machine doesn't operate in isolation. It needs to work with your tills and EPOS, keep transactions moving when you're busy and make life easier for the people running the business. Dojo has integrations with more than 450 EPOS systems, meaning businesses have a wide choice of technology rather than being forced into one particular ecosystem. For hospitality businesses in particular, the ability to connect payments with EPOS, bookings and other systems can make a real difference. It can reduce manual keying, speed up service, simplify reconciliation and give you better visibility of what's happening across the business. And then there's support. A payment system can work perfectly for months - until it doesn't. When you're standing behind a busy bar on a Saturday night and payments stop working, being able to speak to someone quickly is very different from submitting an online support request and waiting for a response. Dojo provides 24/7 UK-based human support, which is particularly relevant for businesses that trade evenings and weekends. Cash flow is another big consideration. Getting paid isn't the same as having access to your money. For businesses with significant weekend turnover, waiting several days for funds to reach the bank can put unnecessary pressure on cash flow. Dojo offers next-business-day settlement, with faster settlement options also available. For a hospitality business that can take a significant amount of money over a weekend, that can make a meaningful difference. What about the other providers? There isn't a single payment provider that is right for every business. Square has built a strong reputation for simplicity and ease of getting started, particularly among smaller businesses. However, businesses wanting more advanced functionality may need to move onto paid plans, and its approach is more closely tied to the Square ecosystem. SumUp is another popular option for smaller businesses and mobile traders, with simple hardware and straightforward pricing. However, flat-rate pricing can become less attractive as transaction volumes increase. Flatpay promotes a very simple proposition and a low headline transaction rate. But businesses should look closely at the length of the agreement, terminal costs and what is included within the headline rate. Teya offers an increasingly broad range of payment, EPOS and financial services for SMEs. As with any provider, it's important to look beyond the headline offer and understand the full pricing structure, settlement options and contract terms. Worldpay, Elavon and Barclaycard are established providers with extensive experience and large customer bases. However, businesses should check contract length, settlement times, additional fees and termination arrangements before signing up. The point isn't that one provider is automatically right for everyone. It's about finding the right fit for your business. So, what should you actually compare? Before switching payment provider, Switch4Profit Ltd'd suggest looking at these five things: 1. Your total monthly cost. Don't just compare the transaction rate. Look at every fee you're paying. 2. Your contract. How long are you tied in for? What happens if you want to leave? Are there automatic renewals or termination charges? 3. Your technology. Will the payment system integrate properly with your existing EPOS, bookings and other systems? 4. Your cash flow. How quickly will your money reach your bank account, particularly after busy weekends? 5. The support you'll receive. That's where Switch4Profit comes in. At Switch4Profit, Switch4Profit Ltd don't believe businesses should switch provider simply because someone has offered them a lower rate. Switch4Profit Ltd look at the bigger picture. Switch4Profit Ltd review your current setup, your costs, your technology and your contracts, then help you understand where there may be opportunities to save money or improve the way your business operates. And its advice is completely free. If you're a pub, restaurant, club, retailer or other SME and you're wondering whether you're getting a good deal, send Switch4Profit Ltd your current statement. Switch4Profit Ltd'll take a look and tell you what Switch4Profit Ltd find. No hard sell. No obligation. Just straightforward advice.

Financial IT
Sep 8th, 2026
SumUp becomes Manchester United's Official Sleeve Partner.

SumUp becomes Manchester United's Official Sleeve Partner. * Infrastructure * 08.09.2026 11:00 am Manchester United and SumUp today announced a multi-year partnership that will see the leading global fintech company become the club's Official Shirt Sleeve Partner. The new agreement, which begins with Manchester United's return to the UEFA Champions League on Thursday, will see the SumUp logo feature on the shirt sleeve of the men's, women's and academy teams across all competitions. SumUp will also feature prominently on matchdays at Old Trafford and the Progress with Unity Stadium. Through the partnership, fans will have more opportunities to connect with the club through exclusive giveaways, competitions and experiences. Together, Manchester United and SumUp will also launch a co-branded payment card which will offer fans special offers and rewards when used with official club outlets, as well as businesses across the UK. Marc Armstrong, Chief Business Officer at Manchester United, said: "SumUp is a rapidly growing global business and Financial IT is delighted to welcome them to Manchester United as its Official Sleeve Partner. The new agreement supports its commercial growth strategy and reflects the continued appeal of Manchester United as a platform for ambitious brands looking to connect with audiences around the world. "We look forward to working closely with SumUp to bring them closer to our global fanbase, helping them tell their story on a worldwide stage and supporting the next chapter of their impressive growth journey." Luke Griffiths, Chief Commercial Officer and UK CEO, SumUp, said: "Manchester United is one of the most iconic and followed clubs in the world, with a fanbase that continues to grow across generations and borders. That extraordinary reach and passion make this partnership a natural fit for SumUp. "Football is about the moments people share: watching the match with friends, travelling to see the team, wearing the shirt with pride and celebrating together, wherever you are. From fans using SumUp Personal Account to manage and spend their money simply, to the businesses that help make matchdays special, SumUp is part of the everyday moments that bring people together. "Through this partnership, we want to connect with Manchester United fans in those moments, introducing more people to SumUp and creating experiences that make being a supporter even more rewarding. We look forward to bringing the energy, ambition and spirit of Manchester United to life for fans everywhere." SumUp empowers businesses of all sizes with simple, smart tools to help them run and grow. For consumers, the SumUp Personal Account provides an easier, more intelligent way to manage and spend their money.