PayPal Open Banking API Access in France (PSD2)

Your PayPal account holds more financial history than most people realise: payments sent, money received, and the balance sitting behind every checkout. open-banking.io lets you reach that PayPal data (France) through a single, privacy-first service that covers 2,600+ European banks and payment institutions — no bespoke integration, no certificates, and no bank ever handing your credentials to a third party. Everything you sync stays encrypted, and only you hold the key that turns it back into readable numbers.

PayPal in France supports both business and personal accounts, and you can grant access for up to 180 days before a refresh is needed. There is no public BIC for the connection, so open-banking.io identifies it directly as PayPal rather than by SWIFT code.

How to connect PayPal

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

  1. Sign up for open-banking.io and set your encryption passphrase. Your keys are generated on your own device, so open-banking.io only ever stores your public key.
  2. In the dashboard, choose PayPal and pick the account type — business or personal.
  3. You are redirected to PayPal's own secure login, where you approve the PSD2 consent yourself.
  4. Once approved, your PayPal accounts and transactions sync straight into your dashboard, ready to view.

That consent stays valid for 180 days, after which a quick re-approval on PayPal's screen keeps the data flowing.

Access your data

Programmatic access is an optional step you take after the connection exists. On the Developers page, create an API key and export a credentials.json file — 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. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. Without that private key, an API key alone returns only ciphertext — which is exactly why open-banking.io can be zero-knowledge.

All of this runs for roughly EUR 3/month.

Does open-banking.io see my PayPal data?

No. Data is decrypted on your device with a key only you hold. open-banking.io's servers keep just your public key and never read your transactions.

Can I connect PayPal from the CLI?

No. The CLI and SDK only read or sync connections that already exist. Connecting PayPal always happens in the dashboard via PayPal's own consent screen.

How long does access last?

Up to 180 days per consent. When it expires, re-approve on PayPal's login page to continue syncing.

Ready to start? Visit open-banking.io.