SumUp API Access via Open Banking | open-banking.io

SumUp's business banking runs through its Lithuanian entity (BIC SUMUIE22), and open-banking.io gives you a straightforward, PSD2-compliant way to reach the account data behind it. Instead of wrestling with certificates or eIDAS credentials, you get a single dashboard that links your SumUp business account and keeps the transaction history in sync — with all decryption happening on your own device.

SumUp on open-banking.io covers business accounts, and a single consent stays valid for up to 180 days before SumUp asks you to re-approve. Across 2,600+ EU and UK banks, the workflow is identical, so once you know it for SumUp you know it everywhere.

How to connect SumUp

Everything happens in the open-banking.io dashboard — there is no API call, code, or key involved in linking the account:

  1. Sign up for open-banking.io and set an encryption passphrase. Your keys are generated locally, so only you ever hold the private key.
  2. Open the dashboard, search for SumUp, and choose the business account type.
  3. You're redirected to SumUp's own secure login, where you approve access on their consent screen (standard PSD2 authorisation).
  4. Control returns to your dashboard and your SumUp accounts and transactions sync in automatically.

That's the whole connection — no developer redirect, no client secret, no manual endpoint.

Access your data

Reading the 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 your API key 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 each response is decrypted locally with your own key. The API key by itself only ever returns ciphertext.

Because open-banking.io is zero-knowledge, its servers hold only your public key — they can never read or decrypt your SumUp data. Certificate-free access costs roughly EUR 3/month.

Does connecting SumUp require an API key?

No. You link SumUp entirely in the dashboard by approving access on SumUp's login page. API keys are only for reading data afterwards.

Can the CLI connect my SumUp account?

No. The CLI and SDKs only read and sync accounts you've already connected — there is no connect command.

Can open-banking.io staff see my transactions?

No. Data is decrypted on your device with a key only you hold; the service stores just your public key.

Ready to start? Visit open-banking.io.