SumUp Bulgaria API Access via Open Banking

Merchants running a SumUp business account in Bulgaria often need their balances and settlement transactions somewhere other than the SumUp dashboard — in a bookkeeping tool, a reconciliation script, or a cash-flow model. open-banking.io gives you PSD2 access to that SumUp data without certificates, eIDAS paperwork, or a direct integration contract, and keeps everything encrypted under a key that never leaves your device.

SumUp (BIC SUMUIE22) is supported for business account types, with a consent window of up to 180 days before you re-approve. Because open-banking.io is zero-knowledge, its servers only ever hold your public key — your account data is decrypted locally, never on the platform.

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 an encryption passphrase. Your key pair is generated on your own device.
  2. In the dashboard, pick SumUp from the supported banks and choose the business account type.
  3. You're redirected to SumUp's own secure login, where you approve access on their PSD2 consent screen.
  4. Your SumUp accounts and transactions sync back into your dashboard, refreshed within the 180-day consent period.

That's the whole flow — you authorise SumUp directly, and nobody else ever sees your credentials.

Access your data

Once SumUp is connected, developers can optionally read the data programmatically. 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 use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. An API key on its own only ever returns ciphertext — readable data requires the private key that stays on your machine.

FAQ

Do I connect SumUp using an API key?

No. You connect SumUp in the dashboard by approving access on SumUp's own login screen. API keys are only for reading data afterward.

Can open-banking.io staff see my SumUp transactions?

No. The service is zero-knowledge and holds only your public key. Decryption happens on your device.

What does it cost?

Around EUR 3 per month, covering both dashboard access and the developer tooling.

Ready to start? Visit open-banking.io.