SumUp API Access & Open Banking Data Integration

Running a business on SumUp means your settlements, balances and card takings all live inside one merchant account. open-banking.io lets you reach that data securely, without certificates or a bespoke bank integration. It is a zero-knowledge service covering 2,600+ EU and UK banks, where everything you pull from SumUp is decrypted on your own device with a key that never leaves it.

SumUp (Portugal) is offered here as a business account connection (BIC SUMUIE22), with a PSD2 consent that stays valid for up to 180 days before you re-approve it.

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, so only you can ever read the data.
  2. In the dashboard, choose SumUp and select the business account type.
  3. You are redirected to SumUp's own secure login to approve access (the standard PSD2 consent screen). You authenticate directly with SumUp — open-banking.io never sees your credentials.
  4. Once approved, your SumUp accounts sync into the dashboard and stay refreshed for the life of the 180-day consent.

Access your data

Reading the data programmatically is an optional developer step you take after the connection exists. Open 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), an SDK, or the REST API directly. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. There is no connect command in the tooling — the CLI and SDK only read and sync connections you already approved in the dashboard.

Because open-banking.io holds only your public key, its servers can never read or decrypt your SumUp data. An API key on its own returns ciphertext; without your private key, it stays unreadable. All of this runs for around EUR 3/month.

Does SumUp need a developer account or API key to connect?

No. You connect SumUp in the open-banking.io dashboard by approving access on SumUp's own login screen. API keys are only for reading data afterwards.

Can I connect a personal SumUp account?

This integration covers SumUp business accounts. That matches how SumUp merchant accounts are structured.

How long does access last before I re-authorise?

Up to 180 days per consent. After that, SumUp asks you to re-approve, and you renew it in the dashboard.

Ready to start? Visit open-banking.io.