SumUp (Italy): API Access & Open Banking Data

Merchants running a SumUp business account in Italy can bring their balances and transactions into one place with open-banking.io, a certificate-free EU/UK open-banking service covering 2,600+ banks. SumUp is card-payments-first, so pulling its data alongside your other accounts usually means stitching together exports — open-banking.io removes that friction. Everything you sync is decrypted locally with a key only you hold, so no one at open-banking.io can read your figures.

SumUp (Italy) is reachable under BIC SUMUIE22, offers business account access, and grants a consent window of up to 180 days before you re-approve.

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 keys are generated on your own device, and only you ever hold the private one.
  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 handing credentials to us.
  4. Once approved, your SumUp accounts and transactions sync back into your dashboard, refreshing for the length of your 180-day consent.

Access your data

Reading SumUp data programmatically is an optional step that comes after the connection above is live. Open the Developers page, create an API key, and export a credentials.json — this bundles the API key together with your private decryption key.

With that file in place you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and each response is decrypted locally on your machine. The CLI and SDK only read and refresh connections you already made in the dashboard — there is no connect command. An API key on its own returns ciphertext; without your private key it stays unreadable, which is the point of a zero-knowledge design.

All of this runs for roughly EUR 3/month, with no eIDAS certificates and no compliance paperwork to obtain.

FAQ

Can I connect SumUp with just an API key?

No. You connect SumUp in the dashboard by approving access on SumUp's own login screen. API keys only come into play later, for reading data you have already synced.

What does open-banking.io store about my SumUp account?

Only your public key and encrypted data. Decryption happens on your device, so we cannot read your balances or transactions.

Up to 180 days for SumUp, after which you re-approve access from the dashboard.

Start at open-banking.io.