If you already take cards with SumUp, you don't need a second card account just for Mucka. Connect SumUp and the Pay button on your invoices sends the money straight into the SumUp account you already use.
Connect SumUp
Head to Settings → Money → Getting paid and tap Connect SumUp. SumUp asks you to sign in and to let Mucka take payments for you, then sends you back to Mucka.
Sign in with the login you use for your SumUp card reader, so the money goes to the business you expect. Once you're back, Settings shows the business name it connected to. It's worth a quick look.
Only an owner or someone with workspace permissions can do this, because it decides where your money lands.
Stripe or SumUp: one or the other
Card payments go through one of them at a time, never both, and your customer never has to choose.
- Connecting SumUp switches your card payments over to it, straight away, including on invoices you've already sent.
- If you have Stripe connected as well, you can switch back and forth in Settings → Money → Getting paid with Use Stripe instead or Use SumUp instead.
- Disconnecting SumUp sends card payments back to Stripe. If Stripe isn't set up either, your invoices offer bank transfer only until you connect one of them.
Where the Pay button shows up
It's the same button in the same places as with Stripe:
- in the invoice email
- on the invoice PDF, as a link they can tap or type in
- on the online quote page and on deposit and stage invoices
- as a QR code on the job screen, so the customer can pay on their own phone while you're stood there. See Take payment on site
Your customer pays on SumUp's own secure page, by card, Apple Pay or Google Pay. Their card details never touch Mucka or your systems.
What happens when they pay
As soon as SumUp confirms the payment, it goes against the invoice on its own. The invoice moves to paid, or partially paid if they've only settled some of it, and it goes across to Xero, QuickBooks or FreeAgent like any other card payment. The money itself lands in your SumUp account and pays out to your bank the way SumUp normally does.
What it costs
Two fees on each card payment:
- SumUp: 2.5% of the payment. That's SumUp's online rate, which is higher than the rate on your card reader. SumUp take it before the money reaches you.
- Mucka: 30p, flat, whether it's a £90 call-out or a £6,000 install. SumUp can't take it out of the payment for us, so it goes on your Mucka bill: one line on your next Mucka invoice, like Card payments through SumUp — 12 × 30p. If a customer pays part now and the rest later, that's two payments, so two lots of 30p.
On a £500 invoice that's £12.50 to SumUp and 30p to Mucka, £12.80 in total. The same invoice through Stripe costs £8.00 (1.5% + 20p, plus the same 30p), so if you take a lot of big payments online, Stripe works out cheaper.
You can't add the fee onto the customer's bill. Adding a card surcharge to a consumer's invoice isn't legal in the UK.
Don't want card on a big one? You can untick Accept card payments on any single invoice, or set a figure and have Mucka do it for you above that. See Turn card payments off on a big job.
Good to know
- Tap to Pay on iPhone is Stripe only. It's switched off while your card payments go through SumUp. The QR code on the job screen still works.
- Your SumUp card reader isn't connected to Mucka. Payments you take on it won't show against an invoice on their own, so record them against the invoice as usual.
- SumUp won't take a card payment under £1. If that's all that's left on an invoice, your customer is asked to pay by bank transfer instead.
- Refunds are done in your SumUp account. Record the refund against the invoice afterwards so your figures match.
- Disconnecting doesn't touch your SumUp account. Nothing is closed and no money moves. If a customer is paying at that moment, Mucka asks you to wait half an hour so their payment lands on their invoice.
- SumUp stopped the connection? If SumUp ever stops letting Mucka take payments for you, Settings says so and your invoices offer bank transfer only until you tap Connect SumUp again.