SumUp API Access & Open Banking in Slovakia

SumUp gives Slovak merchants a card reader and a settlement account, but pulling that money movement into your own tools usually means wrestling with certificates and PSD2 paperwork. open-banking.io removes that friction: it is a zero-knowledge, certificate-free gateway to 2,600+ EU and UK banks, and it treats your SumUp business account (BIC SUMUIE22) like any other supported institution. Your balances and settlement transactions flow into one dashboard, and — because decryption happens on your own device with a key only you hold — nobody at open-banking.io can ever read them.

How to connect SumUp

Connecting happens entirely inside the open-banking.io dashboard, never through an API or a key:

  1. Sign up and set an encryption passphrase. Your cryptographic keys are generated locally on your device at this step.
  2. In the dashboard, choose SumUp and select the business account type (SumUp settlement accounts are business only).
  3. You are redirected to SumUp's own secure login to approve access under PSD2. You authenticate directly with SumUp — open-banking.io never sees your credentials.
  4. Once you grant consent, your SumUp accounts sync into the dashboard. Each authorisation lasts up to 180 days, after which you simply re-approve on SumUp's screen.

That's the whole flow — no code, no OAuth redirect you build, no developer step required to get your data on screen.

Access your data

Want the numbers programmatically? That's an optional step after the account is already connected. Open the Developers page, create an API key, and export a credentials.json — it bundles the API key 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. Without that private key an API call returns only ciphertext, so your data stays yours even in transit. Note the CLI and SDK only read and sync connections that already exist — they never establish one.

All of this runs for roughly EUR 3/month.

Does connecting SumUp need a certificate?

No. open-banking.io is certificate-free. You approve access on SumUp's login screen, and there is nothing to install or provision.

Can open-banking.io see my SumUp transactions?

No. The service is zero-knowledge and stores only your public key. Decryption happens on your device, so the servers hold ciphertext they cannot open.

Can I connect SumUp with the CLI or an API key?

No. Connecting only happens in the dashboard via SumUp's consent screen. The CLI, SDK and API keys exist purely to read or sync accounts you have already linked.

Start at open-banking.io to link your SumUp account.