PayPal API Access & Open Banking — open-banking.io

Want to pull your PayPal (Finland) balances and transactions into your own tools without wrestling with certificates or eIDAS paperwork? open-banking.io gives you PSD2 access to PayPal alongside 2,600+ other EU and UK institutions. Your PayPal data is decrypted locally with a key that never leaves your device, so nobody — not even us — can read it. PayPal support covers both business and personal accounts, with consent lasting up to 180 days before you re-approve. PayPal does not publish a BIC for this connection (BIC: n/a), so there is nothing extra to look up.

How to connect PayPal

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

  1. Sign up at open-banking.io and set your encryption passphrase. Your keys are generated right there on your own device.
  2. Open the dashboard and choose PayPal from the bank list, then pick the account type — business or personal.
  3. You are redirected to PayPal's own secure login, where you approve the access request (the standard PSD2 consent screen).
  4. Once you confirm, your PayPal accounts sync back into your dashboard automatically.

That's the whole flow. You stay in control the entire time, and approval always happens on PayPal's side, never through us.

Access your data

Reading your data programmatically is an optional step you take after the connection exists. Go to the Developers page, create an API key and export a credentials.json — that file bundles the API key together with your private decryption key.

From there, use whichever tool fits:

openbanking accounts
openbanking transactions
openbanking sync

The CLI, the SDKs and the REST API all authenticate with the X-Api-Key header. Every response arrives encrypted and is decrypted locally with your own key — an API key on its own only ever returns ciphertext. Note that these tools read and sync existing connections; they never create one.

Pricing & privacy

At around EUR 3/month, open-banking.io stays certificate-free and fully zero-knowledge: our servers hold only your public key.

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

No. You enter your credentials only on PayPal's own consent screen.

Can I connect PayPal from the command line?

No — connecting is a dashboard-only action. The CLI and SDK only read data from connections you have already approved.

You simply re-approve PayPal in the dashboard to keep your data syncing.

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