Access PayPal Data: Open Banking API (Estonia)
PayPal is one of the most widely used ways to hold and move money in Estonia, and its balance and transaction history are increasingly part of everyday financial reporting. open-banking.io lets you bring PayPal (Estonia) into a single, privacy-first view alongside your other EU and UK accounts — over 2,600 banks and providers in one place, with no eIDAS certificate to buy and no PSD2 licence of your own to maintain.
What makes the service different is where your data lives. open-banking.io is zero-knowledge: the encryption keys are generated on your own device, and our servers only ever hold your public key. Every figure you see is decrypted locally, so nobody — not us, not a third party — can read your PayPal data on your behalf.
How to connect PayPal
Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code, or key involved in linking an account:
- Sign up for open-banking.io and set your encryption passphrase. Your private key is created locally at this step and never leaves your device.
- In the dashboard, search for PayPal (Estonia) and choose the account type you need — both business and personal accounts are supported.
- You are redirected to PayPal's own secure login to review and approve the access request (standard PSD2 consent). Your consent stays valid for up to 180 days, after which you simply re-approve.
- Your PayPal accounts then sync into your dashboard, ready to view.
Note that PayPal has no assigned BIC in our directory (BIC: n/a); the connection is identified by name and account type instead.
Access your data
Once PayPal is connected, reading it programmatically is an optional developer step. 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. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. An API key on its own returns only ciphertext — without your private key there is nothing readable to leak.
All of this is included for around EUR 3/month.
Can I connect PayPal with an API key?
No. Linking is done in the dashboard by approving access on PayPal's own screen. The API key only reads accounts you have already connected.
Does open-banking.io store my PayPal login?
No. You authenticate on PayPal's site, and we hold only your public key — never your credentials or readable data.
Can I connect a business PayPal account?
Yes. Both business and personal PayPal accounts are supported, each with a consent window of up to 180 days.
Ready to start? Visit open-banking.io.