# SumUp

**Canonical:** https://apis.io/providers/sumup/  
**Website:** https://sumup.com  
**APIs profiled:** 10

European mobile payment and POS platform with REST APIs for creating checkout links, managing card readers, processing payments, tracking transactions, and accessing payout data. SumUp serves over 4 million merchants in 37 markets with built-in fraud protection, sandbox environments for testing, and SDKs for multiple programming languages.

## Kin Score — 48.2 / 100 (developing)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 48.2).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 62.6 |
| Governance | 9.8 |
| Contract Governance | 9.8 |
| Operational Transparency | 57.9 |
| Developer Ergonomics | 23.8 |
| Commercial Clarity | 50.0 |
| Access Clarity | 50.0 |

Regulatory layer — **Payments**: 43.8 (matched via tags).

## Agent readiness — 49.1 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high).

## APIs (10)

- **SumUp Checkouts API** — Checkouts represent online payment sessions that you create before attempting to charge a payer. A checkout captures the payment intent, such as the amount, currency, merchant, ...
- **SumUp Customers API** — Allow your regular customers to save their information with the Customers model. This will prevent re-entering payment instrument information for recurring payments on your plat...
- **SumUp Members API** — Endpoints to manage account members. Members are users that have membership within merchant accounts.
- **SumUp Memberships API** — Endpoints to manage user's memberships. Memberships are used to connect the user to merchant accounts and to grant them access to the merchant's resources via roles.
- **SumUp Merchants API** — Merchant account represents a single business entity at SumUp.
- **SumUp Payouts API** — The Payouts model will allow you to track funds you’ve received from SumUp. You can receive a detailed payouts list with information like dates, fees, references and statuses, u...
- **SumUp Readers API** — A reader represents a device that accepts payments. You can use the SumUp Solo to accept in-person payments.
- **SumUp Receipts API** — The Receipts model obtains receipt-like details for specific transactions.
- **SumUp Roles API** — Endpoints to manage custom roles. Custom roles allow you to tailor roles from individual permissions to match your needs. Once created, you can assign your custom roles to your ...
- **SumUp Transactions API** — Transactions represent completed or attempted payment operations processed for a merchant account. A transaction contains the core payment result, such as the amount, currency, ...

## Agentic access (1)

- **Sumup Agentic Access** — 39 operations · 19 acting · 1 human-in-the-loop

## Security (3)

- **Sumup Authentication** — http/oauth2 · 2 schemes
- **Sumup Domain Security** — TLSv1.3 · HSTS · DMARC
- **Sumup Vulnerability Disclosure** — Hackerone · security.txt · contact published

## Plans (1)

- **Sumup Plans Pricing**

## Tags

Payments, Point-of-Sale, Card Readers, Checkout, Fintech, Mobile Payments, Online Payments

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/sumup/). Scores are computed from the provider's own public artifacts under a published rubric.