Access PayPal Data: Open Banking API for Germany

Your PayPal balance and transaction history hold a detailed picture of how money actually moves through your business or household — yet pulling that data into your own tools usually means wrestling with certificates and enterprise onboarding. open-banking.io removes that friction. It gives you PSD2-backed access to PayPal (Germany) through a single dashboard, with every byte of data decrypted locally using a key that never leaves your device.

PayPal (Germany) supports both business and personal accounts, and consent you grant stays valid for up to 180 days before a quick renewal is needed. PayPal does not publish a BIC for this connection, so none is required — you simply pick PayPal in the dashboard and confirm on PayPal's own screens.

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 your encryption passphrase. Your cryptographic keys are generated right there on your own device.
  2. In the dashboard, search for and select PayPal (Germany), then choose whether you're linking a business or personal account.
  3. You're redirected to PayPal's own secure login, where you approve the access request (the standard PSD2 consent flow).
  4. Once approved, your PayPal accounts and transactions sync straight into your dashboard, ready to view.

That's the whole flow. open-banking.io never sees your PayPal password, and because it holds only your public key, its servers can never read or decrypt what syncs back.

Access your data

After PayPal is connected, developers can optionally read the data programmatically. Head to the Developers page, create an API key, and export a credentials.json — this bundles your 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 directly. Requests authenticate 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.

All of this runs certificate-free for around EUR 3/month.

Do I need a developer account to connect PayPal?

No. Connecting is done in the dashboard by any user. The API key and CLI are an optional step for those who want programmatic access afterward.

Can open-banking.io read my PayPal data?

No. It's zero-knowledge — it stores only your public key, so data is decrypted solely on your device.

How long does PayPal access last?

Up to 180 days per consent, after which you re-approve on PayPal's screens.

Ready to start? Visit open-banking.io.