Access PayPal Data via Open Banking API — Austria

PayPal holds a surprising amount of your financial life — incoming payouts, subscription charges, refunds and cross-border transfers all pass through it. If you want that history alongside your regular bank accounts, open-banking.io lets you link PayPal in Austria under PSD2 and pull balances and transactions into one place. There is no certificate to buy, no bank-specific integration to maintain, and no server that can read your data: everything is decrypted locally with a key only you hold.

PayPal in Austria covers business and personal accounts, and consent stays valid for up to 180 days before you re-approve. There is no BIC on file for this connection (BIC: not applicable) — you select PayPal by name in the dashboard rather than by identifier.

How to connect PayPal

Connecting happens entirely inside the open-banking.io dashboard — never through an API, key, or line of code.

  1. Sign up at open-banking.io and set your encryption passphrase. Your keys are generated on your own device, so only you can later unlock the data.
  2. In the dashboard, search for PayPal and choose the account type — business or personal.
  3. You are redirected to PayPal's own secure login to review and approve the access request (standard PSD2 consent). open-banking.io never sees your PayPal credentials.
  4. Approve, and your PayPal accounts sync back into your dashboard. Consent runs for up to 180 days.

Access your data

Reading PayPal programmatically is an optional step you take after the connection exists. On the Developers page, create an API key and export a credentials.json — it bundles the API key together 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. The API key alone only ever returns ciphertext — without your private key, there is nothing readable to see. There is no connect command; the tooling reads and syncs connections you already made in the dashboard.

Pricing

All of this runs on a flat subscription of roughly EUR 3/month, covering 2,600+ EU/UK banks and providers.

Is my PayPal login shared with open-banking.io?

No. You authenticate on PayPal's own consent screen; open-banking.io only receives approved access, never your password.

Can open-banking.io staff read my transactions?

No. The service is zero-knowledge and stores only your public key, so data stays encrypted until your device decrypts it.

Do I need the API to use this?

No. The dashboard shows synced accounts on its own. The CLI, SDK and REST API are optional developer extras.

Start at open-banking.io.