Get paid on every invoice, straight into your own account.

How it works

Three steps, and only the first one takes any thought.

• Connect your SumUp account. In Invco, open Payments → Accounts and paste the API key from your SumUp dashboard. Each company you run connects its own account, so an agency billing under four entities keeps four sets of books and four payout streams.
• Send the invoice as you already do. Every invoice can carry a Pay now link and a matching QR code — put it in the email, on the PDF, or both. The QR matters more than it sounds: it is what gets an invoice paid from a phone, at a desk, in a meeting.
• Get paid, and let the invoice update itself. Your client pays on SumUp's hosted checkout. SumUp notifies Invco, the invoice flips to Paid, and the payment appears in your statements. Nobody has to watch a bank feed or match a reference by hand.

Where the money goes

Invco is an integration platform, not a payment provider. Every business connects its own SumUp merchant account, and money moves from the payer to that merchant account directly. Invco never holds, routes, or settles funds, and never sees a card number — all card entry happens on SumUp's own hosted checkout.

So the payout schedule, the processing rate, the chargeback process, and the account standing are all matters between you and SumUp, exactly as they would be if you took the payment in person. Invco's role ends at asking SumUp to open a checkout and being told the answer.

One practical consequence worth knowing up front: because Invco never holds the funds, it also cannot take a percentage of them. Your Invco subscription is the whole of what you pay us — there is no transaction fee stacked on top of SumUp's.

What you get

Everything below is live today, not planned.

• Hosted SumUp checkout — card, and Apple Pay / Google Pay wherever SumUp has enabled them on your account.
• A Pay now link and a QR code for every invoice.
• Automatic paid status the moment a payment clears, plus a reconciliation pass that re-checks against SumUp so a missed notification never leaves an invoice wrongly unpaid.
• A separate payment account per company, with payments, statements and totals kept entirely apart.
• Statements you can filter by date range — daily, weekly, monthly or custom — and by status, then download as a branded PDF or CSV.
• Payment reminders you can send or schedule.
• A checkout API and webhooks, so a payment can be started from your own website or app rather than only from an Invco invoice, with a domain allowlist controlling which sites may do it.
• Scoped client access: give a client a login that shows their own payments and nothing else.

Countries, currencies and payment methods

Invco doesn't add countries and can't take any away. Whatever SumUp supports for online payments on your merchant account — the countries, the currencies, and whether Apple Pay and Google Pay are switched on — is exactly what your Invco invoices will support. If SumUp will process it for you, so will we; if they won't, no setting in Invco changes that.

The honest version of the usual marketing line: check SumUp's own online-payments availability for your country before you commit, and if it isn't supported there yet, Invco's other features still work — you just won't be able to attach a Pay now link.

What it costs

You pay Invco for Invco: Pro is $100/month for up to 5 companies, Unlimited is $499/month with no cap, and both add $10 per invoice raised.

Card processing fees are charged by SumUp under your own SumUp agreement, at the rate you have agreed with them. Invco does not mark those fees up, take a share of them, or add a transaction fee of its own.

Not built yet — said plainly

It would be easy to list these as features and let you find out later. Instead:

• Refunds are issued from your SumUp dashboard, not yet from inside Invco. Invco will show the payment as refunded once SumUp reports it.
• Connecting is done with an API key you paste in, not yet a one-click OAuth 'Connect SumUp' button. It takes about a minute and the key can be replaced at any time.
• Saved cards and automatic retainer billing are in development. Card storage will be handled entirely by SumUp's own tokenisation, with Invco holding only a token reference — it depends on SumUp enabling recurring payments on your merchant account.

Trademark notice

SumUp is a registered trademark of SumUp Limited. Invco is an independent integration and is not affiliated with, endorsed by, or sponsored by SumUp.