SumUp Netherlands API Access & Open Banking Data

SumUp gives Dutch merchants a card reader, a business account and an IBAN in one place — but pulling that payment data into your own tools usually means wrestling with PSD2 certificates and developer onboarding. open-banking.io skips all of that. It is a zero-knowledge, certificate-free gateway to 2,600+ EU and UK banks, and it treats your SumUp business account like any other: sign in, approve access, and your balances and transactions flow into a dashboard only you can decrypt.

SumUp in the Netherlands operates under BIC SUMUIE22, offers business accounts, and permits a consent window of up to 180 days before you re-authorise. Those are the only SumUp specifics you need — everything else is handled the same way for every bank on the platform.

How to connect SumUp

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, key or code involved in this step.

  1. Create your open-banking.io account and set an encryption passphrase. Your keys are generated on your own device, so nobody else — including open-banking.io — ever holds them.
  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 the PSD2 access request directly with your bank.
  4. Control returns to your dashboard and your SumUp accounts sync in, ready to browse.

That's the whole flow: pick the bank, approve on SumUp's screen, done.

Access your data

Once SumUp is connected, developers can optionally read the data programmatically. Open the Developers page, create an API key, and export a credentials.json that bundles the 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. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key — the servers only ever hold ciphertext and your public key. An API key on its own returns nothing readable without that private key.

At roughly EUR 3/month, you get certificate-free access and true zero-knowledge privacy.

FAQ

Do I need a PSD2 certificate for SumUp?

No. open-banking.io is certificate-free — you approve access on SumUp's own login screen and nothing else is required.

Can the CLI connect my SumUp account?

No. Connecting always happens in the dashboard. The CLI and SDK only read and sync accounts you have already linked.

Can open-banking.io read my SumUp transactions?

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

Ready to start? Visit open-banking.io.