SumUp API Access & Open Banking (Ireland)

SumUp began as a card-reader company and grew into a full business banking service, so the money moving through your SumUp account tells a detailed story about your trading. open-banking.io lets you reach that story on your own terms: read balances and transactions for your SumUp (Ireland) business account under PSD2, with the data decrypted on your device using a key that never leaves it.

SumUp Ireland operates under BIC SUMUIE22 and serves business accounts, so open-banking.io is aimed at merchants, sole traders and finance teams who want reporting, reconciliation or cash-flow tooling on top of their SumUp activity.

How to connect SumUp

Connecting happens entirely inside the open-banking.io dashboard — there is no code, endpoint 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 own device.
  2. In the dashboard, choose SumUp from the supported institutions and select the business account type.
  3. You are redirected to SumUp's own secure login, where you approve access on their consent screen (standard PSD2 authorisation).
  4. Your accounts sync back into your open-banking.io dashboard, ready to view.

Consent for SumUp lasts up to 180 days, after which you simply re-approve on SumUp's screen to keep the connection live.

Access your data

Once the connection exists, developers can optionally read it programmatically. Open 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 carries the X-Api-Key header, and every response is decrypted locally with your own key. The API key alone only ever returns ciphertext — without your private key, nobody, including open-banking.io, can read a single figure.

That is the core of the zero-knowledge design: the service holds only your public key, never your data in readable form. It is also certificate-free, so there are no eIDAS certificates or QWAC setup to wrestle with. Pricing is around EUR 3/month.

Do I need my own open banking licence?

No. open-banking.io provides the regulated access layer; you just approve consent on SumUp's screen.

Can open-banking.io see my SumUp transactions?

No. Data is decrypted only on your device with a key you alone hold. Servers store ciphertext against your public key.

Is there a connect command in the CLI?

No. The CLI and SDK only read and sync existing connections. Connecting SumUp is always done in the dashboard.

Start at open-banking.io to link your SumUp account today.