SumUp Croatia API Access via Open Banking | Sync Data

Running a SumUp merchant account in Croatia means a steady flow of card settlements, payouts and fees moving through BIC SUMUIE22. open-banking.io lets you pull that data into one place — and, if you code, read it programmatically — without chasing an eIDAS certificate or building a PSD2 stack yourself. It covers 2,600+ EU/UK banks and payment institutions, and it is zero-knowledge by design: your data is decrypted on your own device with a key only you hold.

SumUp in Croatia is offered for business accounts, with a maximum consent window of 180 days before you re-authorise — standard PSD2 behaviour that keeps access under your control.

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 device; the service only ever sees your public key.
  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 on their consent screen (PSD2). Your credentials are never seen by open-banking.io.
  4. Once approved, your SumUp accounts and transactions sync back into your dashboard automatically.

That's the whole connection. No developer redirect handles the account holder — you approve directly with SumUp.

Access your data

Reading data programmatically is an optional step you take after connecting. 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.
  • Call the REST API or an SDK, passing your key in the X-Api-Key header.

Every response is decrypted locally with your own key. The API key alone only ever returns ciphertext — without your private key it stays unreadable, even to open-banking.io. The CLI and SDK read and sync existing connections; they never create one.

Pricing is roughly EUR 3/month.

FAQ

Do I need an eIDAS certificate to access SumUp?

No. open-banking.io is certificate-free — it handles the regulated PSD2 access, so you just approve consent on SumUp's login screen.

Can open-banking.io read my SumUp transactions?

No. It is zero-knowledge and holds only your public key. Decryption happens on your device with a private key that never leaves it.

Can I connect SumUp with the CLI or an API key?

No. Connecting is done in the dashboard by approving consent with SumUp. The CLI, SDK and API only read or sync connections you've already made.

Start at open-banking.io.