SumUp France API Access via Open Banking

SumUp is best known as the card reader in the hands of small French merchants, but the money it collects settles into a real business account — and that account holds data worth pulling into your own tools. With open-banking.io you can reach your SumUp (France) account under PSD2 without chasing certificates, sandbox registrations or a bespoke integration. SumUp France carries the BIC SUMUIE22, offers business account types, and grants a consent window of up to 180 days before you re-approve.

The difference here is where your data lives. open-banking.io is zero-knowledge: your encryption keys are generated on your own device, and the service only ever holds your public key. Balances and transactions are decrypted locally, so nobody at open-banking.io — or anywhere else — can read them.

How to connect SumUp

Connecting happens entirely in the open-banking.io dashboard, not through any API call or code:

  1. Sign up for open-banking.io and set your encryption passphrase. Your private key is created locally and never leaves your device.
  2. In the dashboard, search for SumUp and select the business account type.
  3. You are redirected to SumUp's own secure login, where you approve access on their consent screen — the standard PSD2 flow. Your credentials stay with SumUp.
  4. Once approved, your SumUp accounts sync into your dashboard, refreshing for the full 180-day consent period.

There is no API key, no redirect you build, and no developer step required to establish the connection itself.

Access your data

Programmatic access is an optional layer that comes after the account is linked. 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 directly. Every request sends the X-Api-Key header, and every response is decrypted locally with your own key. Without that private key an API key alone returns only ciphertext — which is exactly the point.

All of this runs for roughly EUR 3/month, with no certificate purchases or per-call fees.

Can I connect SumUp using only the CLI?

No. The CLI and SDKs read and sync connections that already exist; the initial link is always approved in the dashboard on SumUp's consent screen.

What does the BIC SUMUIE22 tell me?

It identifies your SumUp account within the network — useful when reconciling payouts or confirming you have linked the right institution.

Can open-banking.io staff see my transactions?

No. The platform is zero-knowledge and stores only your public key, so decryption happens on your device alone.

Ready to start? Visit open-banking.io.