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Connect SumUp with einzly: Automatically record card payments

SumUp is one of the most popular card readers for Swiss small businesses, market stalls, hair salons and cafés. If you accept payments via SumUp, einzly can book every sale automatically — every income, every fee, every refund. No more manual typing.

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einzly Editorial
Tax & Finance Desk · einzly
6 min read
9 Jun 2026
Related topics
SumUpCard paymentsAutomation

01What the integration does

The SumUp integration connects your SumUp account directly with your accounting in einzly. As soon as a sale comes in via SumUp, the rest happens automatically:

  • Automatic sync of all SumUp card payments as income
  • SumUp fees are booked automatically as an expense (category: bank charges)
  • Refunds are recorded as negative income — VAT-correct (more on that below)
  • The receipt is linked automatically — the SumUp transaction serves as proof
  • Duplicate detection — the same sale is never booked twice
  • Daily automatic sync, plus a manual sync at the click of a button


02How to connect SumUp with einzly

Setup takes just a few minutes. You need an active SumUp account and create an API key once — ideally with read-only access.

1
Log in to SumUp

Sign in to your SumUp account at me.sumup.com.

2
Create an API key

Go to Profile → Settings → For developers → API keys and create a new key. Choose read-only access to your transactions if possible.

3
Paste the key into einzly

In einzly, open Settings → Integrations → SumUp, paste the key and click "Connect". einzly verifies the key automatically.

4
Optional: choose a start date

With the "Import sales from" field you can also import past sales from a specific date. Only use this if they haven't been recorded manually yet.

5
Done — sync is running

From now on einzly syncs your SumUp sales automatically every day. You don't have to do anything else.



03What gets booked automatically?

For every successful sale, einzly creates an income entry for the gross amount. As soon as SumUp pays the transaction out, the transaction fee is added automatically as a separate expense. That keeps your books cleanly separated: what you earned and what SumUp charged for it.

A concrete example

A customer pays CHF 100.00 by card. SumUp deducts the transaction fee (currently 1.75% in Switzerland for in-person payments).

WhatAmountCategoryReceipt
Income: "SumUp sale"CHF 100.00Incoming paymentSumUp transaction
Expense: "SumUp fee"CHF 1.75Bank chargesSumUp transaction

CHF 98.25 net lands in your account. In your accounting everything adds up: gross income and fee are cleanly separated — including a receipt reference to the SumUp transaction.

And what about a refund?

If you refund money to a customer, einzly books it as negative income (a revenue reduction) — not as an expense. That is the correct accounting approach: your reported revenue goes down, and if you are liable for VAT, the VAT reverses automatically and correctly. Booking a refund as an expense would inflate your revenue artificially — which is exactly what einzly avoids.



04When does it sync?

  • einzly syncs your SumUp sales automatically every day
  • You can also trigger a manual sync any time in the settings
  • When connecting you can optionally choose a start date to import past sales
  • Only successful payments are imported — cancelled payments are ignored
Especially with lots of small card payments — at the market stall, the hair salon or the café — the integration saves you the tedious work of recording every single transaction and fee. A huge time saver.


05Advantages over manual booking

ManualWith SumUp integration
Record incomeType the amount from SumUpAutomatic
Record feeFind & book the feeAutomatic
Book refundBook it VAT-correct yourselfAutomatic as revenue reduction
Attach receiptTake a screenshotLinked automatically
Avoid duplicatesWatch out yourselfAutomatic detection
Time per sale~2 minutes0 seconds
The SumUp integration is available to all einzly users at no extra cost.

Yes, you need an active SumUp account and create an API key there once. einzly does not create a SumUp account for you.
Yes. Refunds are recorded as negative income (a revenue reduction) — so your revenue goes down correctly and the VAT reverses automatically. You don't have to book anything manually.
Yes. The key is stored securely and used exclusively to import your transactions. We recommend creating a key with read-only access.
SumUp is mainly for in-person card payments (card reader, point of sale), while Stripe is more for online and credit card payments. You can connect both to einzly at the same time — every source is booked cleanly.
Yes, any time in the settings under Integrations. Income and expenses already booked are kept. If you wish, you can also remove all imported SumUp bookings at once when disconnecting.

Automate your accounting with einzlyeinzly connects directly with SumUp and books sales, fees and refunds automatically. Less manual work, fewer errors, more time for your business. Try it free for 30 days at einzly.ch.
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