SumUp Sweden: API Access & Open Banking Guide

Merchants running a SumUp business account in Sweden often want their balances and settlement transactions somewhere other than the SumUp app — a spreadsheet, an accounting tool, or their own dashboard. open-banking.io gives you that reach without certificates, sandbox paperwork, or a bank-by-bank integration project. SumUp (BIC SUMUIE22) is one of 2,600+ EU and UK institutions covered, and everything you pull stays encrypted end to end.

The model is deliberately zero-knowledge. When you sign up you set an encryption passphrase, and the keys behind it are generated on your own device. open-banking.io only ever holds your public key, so its servers can store your synced data but can never read it — decryption happens locally, with a private key only you possess.

How to connect SumUp

Connecting is done entirely in 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 your encryption passphrase (your keys are generated locally).
  2. In the dashboard, search for and select SumUp, then choose the business account type — SumUp accounts are business-only.
  3. You are redirected to SumUp's own secure login, where you approve access under PSD2. Your credentials go to SumUp, never to open-banking.io.
  4. Once approved, your SumUp accounts and transactions sync back into your dashboard. The consent lasts up to 180 days, after which you simply re-approve on SumUp's screen.

Access your data

Reading data programmatically is an optional developer step you take after the connection exists. From the Developers page, create an API key and export a credentials.json — this bundles the API key together with your private decryption key. With it you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly.

Every request authenticates with the X-Api-Key header, and each response is decrypted locally using your own key. An API key on its own only returns ciphertext — without your private key the data is unreadable, even to open-banking.io. Note that the CLI and SDK only read and sync existing connections; there is no connect command, because connecting always happens in the dashboard.

All of this runs for roughly EUR 3/month, flat.

FAQ

Does SumUp support personal accounts here?

No. SumUp is a business payments provider, so only business account types are available to connect.

How long does my SumUp connection stay active?

Up to 180 days per PSD2 consent. When it expires, re-approve access on SumUp's own login screen.

Can open-banking.io read my SumUp data?

No. It stores only your public key; all decryption happens on your device with a private key that never leaves it.

Start at open-banking.io.