SumUp API Access via Open Banking | open-banking.io

SumUp keeps your merchant payouts, settlements and balances flowing, but pulling that data into your own tools normally means wrestling with PSD2 red tape. open-banking.io removes it. As a certificate-free aggregator covering 2,600+ EU and UK institutions, it lets you reach SumUp (BIC SUMUIE22) without registering for eIDAS certificates or building a bank-specific integration. SumUp is offered here for business accounts, and a single approval grants a consent window of up to 180 days before you need to renew.

Everything is zero-knowledge by design: your encryption keys are generated on your own device, and open-banking.io only ever holds your public key. It physically cannot read or decrypt what syncs through it.

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 an open-banking.io account.
  2. Set an encryption passphrase. Your private decryption key is created locally on your device from it, so keep it safe.
  3. In the dashboard, pick SumUp and choose the business account type.
  4. You are redirected to SumUp's own secure login, where you approve access under PSD2 — your credentials are entered only on SumUp's screen, never on ours.
  5. Your SumUp accounts sync back into your dashboard, ready to view.

Access your data

Once a connection exists, reading it programmatically is an optional developer step. On the Developers page, create an API key and export a credentials.json — this bundles your API key together with your private decryption key. From there use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Every request authenticates with the X-Api-Key header, and each response is decrypted locally with your own key. Note the CLI and SDK only read and sync connections that already exist — they never establish one. And an API key on its own returns nothing but ciphertext; without your private key the data stays unreadable.

All of this runs for roughly EUR 3/month.

Does open-banking.io see my SumUp data?

No. It is zero-knowledge and holds only your public key, so decryption only ever happens on your device.

Do I connect SumUp with an API key?

No. Connecting is done in the dashboard by approving access on SumUp's own consent screen. API keys are only for reading data afterwards.

How long does my access last?

Up to 180 days per consent, after which you simply re-approve access to SumUp.

Ready to start? Visit open-banking.io.