SumUp API Access via Open Banking (Finland)

Reading balances and transactions from a SumUp (Finland) merchant account no longer means wiring up a bespoke PSD2 stack. open-banking.io gives you regulated, read-access to your SumUp data — and everything you pull is decrypted on your own device with a key only you hold. SumUp Finland operates under BIC SUMUIE22 and covers business accounts, with a PSD2 consent that stays valid for up to 180 days before you re-approve.

Because open-banking.io is certificate-free, there are no eIDAS QWACs to buy and no sandbox onboarding to negotiate. You add SumUp the same way you would any of the 2,600+ supported EU/UK banks, and the platform itself never sees your cleartext — it holds only your public key, so it is zero-knowledge by design.

How to connect SumUp

Connecting happens entirely inside 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 key pair is generated locally on your device; the private key never leaves it.
  2. In the dashboard, search for SumUp and choose the business account type.
  3. You are redirected to SumUp's own secure login, where you approve access under PSD2 — you authenticate directly with SumUp, never with us.
  4. Your SumUp accounts and transactions sync back into your dashboard, ready to view.

That consent lasts up to 180 days, after which the dashboard walks you through a quick renewal on SumUp's screen.

Access your data

Programmatic access is an optional step you take after connecting. On the Developers page, create an API key and export a credentials.json — it bundles your API key together with your private decryption key. From there:

  • Use the CLI: openbanking accounts, openbanking transactions, openbanking sync.
  • Or call the REST API / SDK, sending your key in the X-Api-Key header.

Every response arrives encrypted and is decrypted locally with your private key. An API key on its own only ever returns ciphertext — without your key, no one (including us) can read it.

FAQ

Do I connect SumUp with an API key?

No. You connect in the dashboard and approve on SumUp's login page. API keys only read data from connections that already exist.

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

No. The service is zero-knowledge and stores only your public key; decryption happens on your device.

What does it cost?

Around EUR 3/month, with no certificates or per-bank setup fees.

Start at open-banking.io.