Job Description

Business Analyst, Payments Processing (Acquiring)

Team description

The acquiring team is the engine room behind every card transaction SumUp processes in Brazil, working daily with processors, schemes and finance to keep payments flowing smoothly for our merchants. This role sits at the centre of that engine: it's the operational bridge between our providers and the internal teams that depend on accurate, timely data to make good decisions. It's a role with real weight attached to it. Get it right, and merchants get paid without a hitch, costs stay under control and the business avoids the kind of processing issues that are expensive to unwind.

What you'll do

• Monitor approval, acceptance and other core payment KPIs, flagging anything that could affect financial results before it becomes a bigger problem
• Manage day-to-day relationships with processors and scheme partners, resolving transaction-processing and operational incidents as they come up
• Validate scheme and third-party invoices to make sure charges are accurate, justified and optimized
• Support the rollout of new payment capabilities and scheme compliance developments, working closely with technical and business teams
• Build and maintain documentation that helps merchants, internal stakeholders and the wider team understand how transaction processing actually works
• Identify opportunities to reduce processing costs and improve merchant experience through better data analysis

You'll be great for this role if...

• Strong analytical skills, with a track record of spotting patterns and root causes in transaction or operational data.
• Experience working with data analysis tools and SQL to investigate issues and support decision-making.
• Comfort managing relationships with external partners and cross-functional teams under time pressure.
• Fluency in English, both written and verbal, alongside Portuguese for local stakeholder and provider conversations.
• Background in payments, ideally with some exposure to acquiring, card schemes or transaction processing.

Why you should join SumUp

🌎 Opportunity to work with a truly global, multicultural team from our dynamic São Paulo hub in the heart of the city. This involves an office-first setup

🌈 Commitment to Diversity and Inclusion: be part of a workplace that values and promotes diversity, fostering an inclusive environment where everyone's perspectives are respected and embraced

🚀 Enrollment onto our Virtual Stock Option programme: you will own a stake in SumUp's future success

📚 A dedicated annual L&D budget of R$ 10,000 for education, certifications, and conferences

🏖 Generous time off: enjoy 22 working days of paid leave, plus public holidays and special leave days

💪 Stay fit: Wellhub membership included and gym at the office

💼 Financial wellness: SumUp contributes to your private retirement plan with Santander

🧠 Mental well-being: access to Zenklub for therapy, coaching, and emotional wellness resources

🌴 Break4me: 1-month sabbatical after 3 years of service

🔗 Referral Bonus: earn additional rewards by referring talented individuals to join the SumUp team

About SumUp

Be empowered to do more that matters.

At SumUp, we're on a mission to empower small businesses across the globe by providing simple and affordable tools that allow them to thrive. Today, over 4 million businesses in 38 markets rely on SumUp as their financial partner to manage payments, finance and customer relationships.

Our commitment to small businesses is reflected in our diverse team of over 3,000 SumUppers from over 90 nationalities, united by global collaboration and an innovative mindset. Our core values lay the foundation for who we are and what we stand for, shaping our work culture and driving our success. We foster inclusivity and a continuous learning culture, providing a safe space for personal and professional growth. Our differences make us unique and strong as we strive to create an environment where everyone belongs and feels supported, no matter how they identify.

SumUp is proud to be an Equal Employment Opportunity employer, actively seeking and embracing diversity in our workforce. We don't make hiring or employment decisions based on race, colour, religion or religious belief, ethnic or national origin, nationality, sex, gender, gender identity, sexual orientation, disability, age or any other basis protected by applicable laws or prohibited by company policy. Our commitment extends beyond recruitment to creating a safe and respectful workplace where harassment of any form is strictly prohibited. Discover more about our culture and opportunities on our careers website, and follow our journey on LinkedIn, Instagram, and TikTok.

Job Application Tip

We recognise that candidates feel they need to meet 100% of the job criteria in order to apply for a job. Please note that this is only a guide. If you don’t tick every box, it’s ok too because it means you have room to learn and develop your career at SumUp.