PayPal Bulgaria: API Access & Open Banking Data

Reaching your PayPal balances and transaction history in Bulgaria no longer means scraping statements or juggling brittle integrations. With open-banking.io you link your PayPal account once through a regulated PSD2 flow, and your data lands in a private dashboard that only you can decrypt. Whether you run PayPal for a shop or for everyday spending, both business and personal account types are supported, and a single consent stays valid for up to 180 days before you renew it.

Everything rides on a zero-knowledge, certificate-free design: your encryption keys are generated on your own device, and our servers never hold anything but your public key. That means we can move your PayPal data around without ever being able to read it.

How to connect PayPal

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

  1. Sign up for open-banking.io and set an encryption passphrase. Your private key is created locally, in your browser, and never leaves your device.
  2. Open the dashboard, search for PayPal (Bulgaria), and choose the account type you want to link — business or personal.
  3. You are redirected to PayPal's own secure login, where you approve access under PSD2. Your credentials are only ever entered on PayPal's site.
  4. Once you confirm, your PayPal accounts sync back into your dashboard, ready to view and refresh.

Because PayPal has no assigned BIC in this directory, you select it by name rather than by bank code — the dashboard handles the routing for you.

Access your data

After the connection exists, developers can optionally read it programmatically. On the Developers page, create an API key and export a credentials.json — this bundles the API key together with your private decryption key. From there you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Every request carries the X-Api-Key header, and each response is decrypted locally with your own key. An API key on its own only ever returns ciphertext — without your private key, there is nothing readable to see. Note that these tools read and sync existing connections; the PayPal link itself is always made in the dashboard.

All of this runs for roughly EUR 3/month, across 2,600+ EU and UK institutions.

Does open-banking.io store my PayPal login?

No. You authenticate on PayPal's own consent screen; we never see or keep your PayPal credentials.

Can I connect a PayPal business account?

Yes. Both business and personal PayPal account types are supported, each under a consent valid for up to 180 days.

Can the CLI connect PayPal for me?

No. The CLI and SDK only read or sync connections that already exist — linking PayPal is done in the dashboard via PayPal's PSD2 login.

Ready to start? Visit open-banking.io.