Payment APIs & SDKs

Build payments with SumUp

APIs, SDKs, and prebuilt experiences for accepting payments online and in person.

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Browse the API reference

Choose your path

One platform, wherever customers pay

Start with a prebuilt experience or use the APIs and SDKs to shape the flow around your product.

Online

Online payments

Accept cards and local payment methods with hosted, embedded, or mobile checkout experiences.

In person

In-person payments

Add card-present payments to mobile apps, kiosks, and point-of-sale systems with SumUp readers.

Explore in-person

Quickstart

From sandbox to first payment

Build and test a complete checkout without moving real money.

1
Create a sandbox
Get a test merchant account in Developer Settings.
Open Developer Settings
2
Get credentials
Choose an API key or OAuth flow for your integration.
Set up authorization
3
Create a checkout
Send an API request and open the hosted payment page.
Follow the guide

Developer toolkit

Everything you need to keep moving

Go from endpoint details to production-ready integration guidance without losing your place.

API referenceEndpoints, schemas, responses, and errors Server SDKsOfficial libraries for popular languages AuthorizationAPI keys, OAuth, and affiliate keys TestingSandbox accounts, test cards, and 3DS Build with AIDocs context and tools for coding agents ChangelogRecent platform and SDK updates

Production guidance

Ship a payment flow you can trust

Test the difficult paths, protect credentials, and verify payment updates before you go live.

Test safelySuccess, failure, and 3D Secure scenarios Protect credentialsKeep secret keys on your server Handle updatesConfirm asynchronous payment states

What’s new

Latest developer updates

View all updates

Jul 23, 2026Android Tap-to-pay SDK

Android Tap-to-Pay 1.1.5

Jul 1, 2026Android Tap-to-pay SDK

Android Tap-to-Pay 1.1.4

Jun 22, 2026Android Tap-to-pay SDK

Android Tap-to-Pay 1.1.3

Built into products used around the world