SumUp · Agentic Access

SumUp Agentic Access

x-agentic-access generated

SumUp exposes 39 API operations that an AI agent could call, of which 19 are state-changing ‘acting’ operations. This is a recommended x-agentic-access execution contract — the scope, audience, consequence tier, short-lived token constraints, and escalation each action should carry before it is handed to an autonomous agent.

By consequence: 20 read, 11 write, 7 physical, and 1 safety-critical.

1 operation are classed safety-critical and should require human-in-the-loop approval at runtime.

Contracts are classified heuristically from the provider’s OpenAPI and refresh on every APIs.io network build; audience is bound per deployment. The model follows Curity’s Access Intelligence (apidays Munich 2026). Browse every provider’s agent contracts at agentic-access.apis.io.

PaymentsPoint-of-SaleCard ReadersCheckoutFintechMobile PaymentsOnline Payments

Operations: 39 Acting: 19 Human-in-the-loop: 1 Method: generated

By consequence

read 20 write 11 physical 7 safety-critical 1

Highest-consequence actions

The physical and safety-critical operations an agent could invoke — the ones that most warrant scoped tokens, tight TTLs, and escalation. Full per-operation contracts are in the source below.

Method	Path	Consequence	Human-in-loop
POST	/v0.1/merchants/{merchant_code}/readers/{reader_id}/terminate	safety-critical	required
POST	/v0.1/checkouts	physical	conditional
PUT	/v0.1/checkouts/{checkout_id}	physical	conditional
DELETE	/v0.1/checkouts/{checkout_id}	physical	conditional
DELETE	/v0.1/customers/{customer_id}/payment-instruments/{token}	physical	conditional
POST	/v0.1/merchants/{merchant_code}/readers/{reader_id}/checkout	physical	conditional
PUT	/v0.2/checkouts/{checkout_id}/apple-pay-session	physical	conditional
POST	/v1.0/merchants/{merchant_code}/payments/{transaction_id}/refunds	physical	conditional

Source

Agentic Access

generated: '2026-07-15'
method: generated
source: openapi/openapi.yaml
description: Recommended x-agentic-access execution contracts, classified heuristically from
  the OpenAPI. A governance starting point for exposing this API to AI agents — review and bind
  audience per deployment. See research/curity/agentic-governance/.
summary:
  operations: 39
  by_action_class:
    connected: 20
    acting: 19
  by_consequence:
    read: 20
    physical: 7
    write: 11
    safety-critical: 1
  human_in_the_loop_required: 1
operations:
- path: /v0.1/merchants/{merchant_code}/payment-methods
  method: get
  operationId: GetPaymentMethods
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v0.1/checkouts
  method: post
  operationId: CreateCheckout
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - payments
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /v0.1/checkouts
  method: get
  operationId: ListCheckouts
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - payments
    token:
      max-ttl: 3600
    audit: none
- path: /v0.1/checkouts/{checkout_id}
  method: get
  operationId: GetCheckout
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - payments
    token:
      max-ttl: 3600
    audit: none
- path: /v0.1/checkouts/{checkout_id}
  method: put
  operationId: ProcessCheckout
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /v0.1/checkouts/{checkout_id}
  method: delete
  operationId: DeactivateCheckout
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - payments
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /v0.2/checkouts/{checkout_id}/apple-pay-session
  method: put
  operationId: CreateApplePaySession
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /v0.1/customers
  method: post
  operationId: CreateCustomer
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    scope:
    - payment_instruments
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /v0.1/customers/{customer_id}
  method: get
  operationId: GetCustomer
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - payment_instruments
    token:
      max-ttl: 3600
    audit: none
- path: /v0.1/customers/{customer_id}
  method: put
  operationId: UpdateCustomer
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    scope:
    - payment_instruments
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /v0.1/customers/{customer_id}/payment-instruments
  method: get
  operationId: ListPaymentInstruments
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - payment_instruments
    token:
      max-ttl: 3600
    audit: none
- path: /v0.1/customers/{customer_id}/payment-instruments/{token}
  method: delete
  operationId: DeactivatePaymentInstrument
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - payment_instruments
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /v1.0/merchants/{merchant_code}/payments/{transaction_id}/refunds
  method: post
  operationId: RefundTransaction
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - payments
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /v2.1/merchants/{merchant_code}/transactions
  method: get
  operationId: GetTransactionV2.1
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - transactions.history
    token:
      max-ttl: 3600
    audit: none
- path: /v2.1/merchants/{merchant_code}/transactions/history
  method: get
  operationId: ListTransactionsV2.1
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - transactions.history
    token:
      max-ttl: 3600
    audit: none
- path: /v1.0/merchants/{merchant_code}/payouts
  method: get
  operationId: ListPayoutsV1
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - user.profile
    - user.profile_readonly
    token:
      max-ttl: 3600
    audit: none
- path: /v1.1/receipts/{transaction_id}
  method: get
  operationId: GetReceipt
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v0.1/memberships
  method: get
  operationId: ListMemberships
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v0.1/merchants/{merchant_code}/members
  method: get
  operationId: ListMerchantMembers
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v0.1/merchants/{merchant_code}/members
  method: post
  operationId: CreateMerchantMember
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /v0.1/merchants/{merchant_code}/members/{member_id}
  method: get
  operationId: GetMerchantMember
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v0.1/merchants/{merchant_code}/members/{member_id}
  method: put
  operationId: UpdateMerchantMember
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /v0.1/merchants/{merchant_code}/members/{member_id}
  method: delete
  operationId: DeleteMerchantMember
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /v0.1/merchants/{merchant_code}/roles
  method: get
  operationId: ListMerchantRoles
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v0.1/merchants/{merchant_code}/roles
  method: post
  operationId: CreateMerchantRole
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /v0.1/merchants/{merchant_code}/roles/{role_id}
  method: get
  operationId: GetMerchantRole
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v0.1/merchants/{merchant_code}/roles/{role_id}
  method: delete
  operationId: DeleteMerchantRole
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /v0.1/merchants/{merchant_code}/roles/{role_id}
  method: patch
  operationId: UpdateMerchantRole
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /v1/merchants/{merchant_code}
  method: get
  operationId: GetMerchant
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - user.profile
    - user.profile_readonly
    token:
      max-ttl: 3600
    audit: none
- path: /v1/merchants/{merchant_code}/persons
  method: get
  operationId: ListPersons
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - user.profile
    - user.profile_readonly
    token:
      max-ttl: 3600
    audit: none
- path: /v1/merchants/{merchant_code}/persons/{person_id}
  method: get
  operationId: GetPerson
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - user.profile
    - user.profile_readonly
    token:
      max-ttl: 3600
    audit: none
- path: /v0.1/merchants/{merchant_code}/readers
  method: get
  operationId: ListReaders
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - readers.read
    token:
      max-ttl: 3600
    audit: none
- path: /v0.1/merchants/{merchant_code}/readers
  method: post
  operationId: CreateReader
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    scope:
    - readers.write
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /v0.1/merchants/{merchant_code}/readers/{reader_id}
  method: get
  operationId: GetReader
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - readers.read
    token:
      max-ttl: 3600
    audit: none
- path: /v0.1/merchants/{merchant_code}/readers/{reader_id}
  method: delete
  operationId: DeleteReader
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    scope:
    - readers.write
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /v0.1/merchants/{merchant_code}/readers/{reader_id}
  method: patch
  operationId: UpdateReader
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    scope:
    - readers.write
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /v0.1/merchants/{merchant_code}/readers/{reader_id}/checkout
  method: post
  operationId: CreateReaderCheckout
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - readers.write
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /v0.1/merchants/{merchant_code}/readers/{reader_id}/status
  method: get
  operationId: GetReaderStatus
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - readers.read
    token:
      max-ttl: 3600
    audit: none
- path: /v0.1/merchants/{merchant_code}/readers/{reader_id}/terminate
  method: post
  operationId: CreateReaderTerminate
  x-agentic-access:
    action-class: acting
    consequence: safety-critical
    subject: required
    scope:
    - readers.write
    audience: null
    token:
      max-ttl: 120
      exchange: true
      purpose-required: true
      proof-of-possession: true
    escalation:
      human-in-the-loop: required
    audit: required

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