Essentials: Inside SumUp’s Autopilot Loyalty Engine for Small Businesses

I sat down with Andrew, CEO of SumUp in the US, to break down how they compete with Clover and Fiserv — not on pricing, but on retention.

70% of small businesses want a loyalty program. Many don’t have one.

We unpack:

• Phone-number-based customer ID

• Optional card tokenization

• Points and merchant-defined rewards

• Merchant-owned customer database

• Autopilot win-back and birthday campaigns

• Event-based promotions

• Dashboard visibility into repeat revenue

The shift is clear: payments are infrastructure. Loyalty is growth.