PayPal API Access & Open Banking (Cyprus) | Guide

Your PayPal balance and transaction history hold a rich picture of how money actually moves — payouts, refunds, cross-border payments and everyday purchases. open-banking.io lets you bring your PayPal (Cyprus) account into one certificate-free dashboard alongside your other banks, then read that data on your own terms. Everything is decrypted locally with a key only you hold, so nobody at open-banking.io — or anyone else — can see inside your account.

PayPal (Cyprus) supports both business and personal accounts, and access consent can run for up to 180 days before you renew it. There is no published BIC for PayPal, so none is needed to connect.

How to connect PayPal

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your cryptographic keys are generated right on your own device.
  2. In the dashboard, choose PayPal (Cyprus) and select whether you're linking a business or personal account.
  3. You're redirected to PayPal's own secure login, where you approve access under PSD2 — your credentials only ever touch PayPal.
  4. Once approved, your PayPal accounts and transactions sync straight into your dashboard.

That's the whole flow. No developer redirect, no API call, no waiting on integration work.

Access your data

Want to work with your PayPal data in code? That's an optional step you take after connecting. 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 authenticates with the X-Api-Key header, and every response is decrypted locally with your own key. An API key on its own only ever returns ciphertext — without your private key, the data stays unreadable. The CLI and SDK only read and sync connections you've already made in the dashboard; there's no connect command.

FAQ

Does connecting PayPal require any code?

No. You link PayPal in the dashboard and approve access on PayPal's own screen. The API key and CLI are only for reading data afterwards.

Can open-banking.io see my PayPal transactions?

No. The service is zero-knowledge and holds only your public key. Your data is decrypted on your device, never on their servers.

What does it cost?

Around EUR 3 per month, with no certificates or eIDAS setup to manage — across 2,600+ EU/UK banks and providers.

Ready to link PayPal? Get started at open-banking.io.