PayPal API Access via Open Banking in Belgium

PayPal is where a huge share of Belgian online payments, marketplace payouts and cross-border transfers actually land — yet pulling that activity into your own tools has always meant scraping statements or juggling brittle integrations. open-banking.io gives you a cleaner path: a certificate-free, zero-knowledge bridge to your PayPal balance and transaction history that you unlock on your own device, so nobody else — not even us — can read it.

Under PSD2, PayPal exposes both business and personal accounts, and consent stays valid for up to 180 days before you re-approve. PayPal carries no standard BIC in this network (BIC: n/a), which is normal for an e-money institution rather than a traditional clearing bank.

How to connect PayPal

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, no code and no key involved in this step.

  1. Sign up at open-banking.io and set your encryption passphrase. The keys are generated locally on your device; only you ever hold the private one.
  2. In the dashboard, search for PayPal and choose the account type you need — business or personal.
  3. You are redirected to PayPal's own secure login to review and approve the access request (standard PSD2 consent).
  4. Once approved, your PayPal accounts and transactions sync straight into your dashboard, ready to view.

That is the whole flow. You never hand credentials to us — you authenticate on PayPal's screen, and consent runs for the full 180-day window.

Access your data

Want PayPal data in your own code? That is an optional developer step you take after the connection above 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 sends the X-Api-Key header, and each response is decrypted locally with your key. Hand over just the API key and you get ciphertext back — readable data never leaves your device unencrypted.

Pricing is flat at roughly EUR 3/month, with no certificates to install and no eIDAS setup.

Does open-banking.io ever see my PayPal data?

No. We are zero-knowledge and hold only your public key. Decryption happens on your device with a private key we never receive.

Can I connect PayPal from the CLI or SDK?

No. Connecting is done in the dashboard on PayPal's consent screen. The CLI, SDK and API only read or sync connections that already exist.

Business and personal PayPal accounts both?

Yes — both are supported, each with consent lasting up to 180 days.

Ready to start? Head to open-banking.io.