SumUp Romania: API Access & Open Banking Data

Merchants running a SumUp business account in Romania can reach their balances and settlement transactions through open-banking.io, a European open-banking service that covers 2,600+ institutions. SumUp (BIC SUMUIE22) is offered here as a business account connection, with PSD2 consent valid for up to 180 days before you re-approve. There are no eIDAS certificates to buy and no bank-specific integration to maintain — you sign in once and your SumUp data flows into a dashboard only you can decrypt.

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. Create your open-banking.io account and set an encryption passphrase. Your keys are generated locally on your own device, so no one else ever holds them.
  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 — your credentials stay with SumUp.
  4. Once approved, your SumUp accounts and transactions sync back into the dashboard automatically, refreshing within the 180-day consent window.

Access your data

Reading SumUp data programmatically is an optional developer step that comes 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 use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Every request is authenticated with the X-Api-Key header, and each response is decrypted locally with your own key. The CLI and SDK only read and sync connections you already approved in the dashboard — they never establish new ones.

Because open-banking.io is zero-knowledge, its servers hold only your public key. An API key alone returns ciphertext; without your private key, nobody — not even open-banking.io — can read a single transaction. All of this is included in a flat subscription of roughly EUR 3/month.

Does connecting SumUp require a developer account?

No. Anyone can connect SumUp in the dashboard. The API key and credentials.json are only needed if you later want to pull data with the CLI, SDK, or REST API.

How long does my SumUp access stay active?

Up to 180 days per PSD2 consent. When the window closes, simply re-approve on SumUp's login screen to keep syncing.

Can open-banking.io see my SumUp transactions?

No. Data is decrypted only on your device with a key held solely by you. The service stores only your public key.

Ready to start? Connect your SumUp account at open-banking.io.