Access PayPal Croatia Data via Open Banking API

Bringing your PayPal (Croatia) activity into a single, developer-friendly place shouldn't mean handing a third party the keys to your money. open-banking.io links PayPal through regulated PSD2 access, then hands you balances and transaction history that only you can decrypt. It is certificate-free — no eIDAS setup, no QWAC to buy — and it spans 2,600+ EU and UK institutions, so PayPal can sit alongside every other account you hold.

PayPal (Croatia) supports both business and personal account types, and a single consent stays valid for up to 180 days before you renew it. There is no published BIC for PayPal, so you simply select it by name inside the dashboard — no routing codes to look up.

How to connect PayPal

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

  1. Sign up at open-banking.io and set your encryption passphrase. Your keys are generated locally on your own device, so the passphrase never leaves it.
  2. In the dashboard, choose PayPal (Croatia) and pick the account type you want to link — business or personal.
  3. You are redirected to PayPal's own secure login to review and approve the access request (standard PSD2 consent).
  4. Once approved, your PayPal accounts sync back into your dashboard, ready to view.

Access your data

Reading PayPal data programmatically is an optional step after the connection exists. Open 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 use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Every request carries the X-Api-Key header, and every response is decrypted locally with your own key.

Because the service is zero-knowledge, open-banking.io stores only your public key. An API key on its own returns ciphertext — without your private key it is unreadable, even to us. All of this runs on the flat ~EUR 3/month plan.

Is there a PayPal BIC to enter?

No. PayPal has no BIC here; just select it by name in the dashboard.

Can the CLI connect my PayPal account?

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

Up to 180 days per approval, for both business and personal accounts, after which you re-authorise in the dashboard.

Ready to start? Visit open-banking.io.