SumUp Belgium: Open Banking & API Access Guide

SumUp is best known as a card-payment and point-of-sale provider, but its settlement balances and payout history live in a real business account you can reach through open banking. With open-banking.io you link that account once and then pull the underlying data — balances, transactions, payouts — into your own tools without wrestling with eIDAS certificates or a bespoke SumUp integration.

SumUp accounts here are business accounts (BIC SUMUIE22), and a single authorisation stays valid for up to 180 days before you renew it. open-banking.io reaches SumUp the same way it reaches 2,600+ other EU and UK institutions, so one workflow covers your whole banking stack.

How to connect SumUp

Connecting happens entirely in the open-banking.io dashboard — there is no API call, code, or key involved in this step.

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated locally on your own device, so no one else can derive them.
  2. In the dashboard, choose SumUp and select the business account type.
  3. You are redirected to SumUp's own secure login, where you approve access under PSD2 consent — your credentials only ever touch SumUp.
  4. Your SumUp accounts sync back into the dashboard, ready to view and export.

Access your data

Reading programmatically is an optional step you take after the connection exists. On the Developers page, create an API key and export a credentials.json — this bundles the API key together with your private decryption key. From there you can run the CLI (openbanking accounts, openbanking transactions, openbanking sync), call an SDK, or hit the REST API directly. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. The CLI and SDK only read or sync connections you already made — they never create one.

Because the service is zero-knowledge, open-banking.io holds only your public key; it can never read or decrypt your SumUp data. That certificate-free model runs at roughly EUR 3/month.

FAQ

Does SumUp offer a personal account here?

No — SumUp is available as a business account only (BIC SUMUIE22).

How often do I re-authorise?

Each consent lasts up to 180 days, after which you re-approve on SumUp's login screen.

Can someone with just my API key read my transactions?

No. Without your private decryption key they receive only ciphertext — readable data requires the key that never leaves your device.

Start linking your SumUp account at https://open-banking.io.