PayPal (Hungary) API Access & Open Banking Sync
Reaching your PayPal balance and transaction history in Hungary usually means wrestling with developer portals and merchant credentials. open-banking.io takes a simpler route: it links your PayPal account through regulated PSD2 open banking, then hands you clean, programmatic access to the data — without certificates, without storing your keys, and without letting anyone but you read what syncs.
PayPal supports both business and personal accounts here, so whether you run a Hungarian webshop or just track personal spending, the same flow applies. Access consent lasts up to 180 days before PayPal asks you to reauthorise. PayPal has no traditional BIC, which is fine — open-banking.io identifies the institution for you in the dashboard.
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.
- Sign up at open-banking.io and set your encryption passphrase. Your keys are generated on your own device, so only you can ever unlock the data.
- In the dashboard, search for PayPal and choose your account type (business or personal).
- You are redirected to PayPal's own secure login, where you approve access under PSD2 consent.
- Your PayPal accounts and transactions sync straight into your dashboard.
That's it — everything runs through PayPal's official screens, and open-banking.io never sees your login.
Access your data
Once PayPal is connected, developers can optionally read it programmatically. 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 directly.
Every request carries the X-Api-Key header, and each response is decrypted locally on your machine with your own key. Because open-banking.io is zero-knowledge — its servers hold only your public key — an API key alone returns nothing but ciphertext. There is no connect command in the CLI; it only reads and syncs the connections you already approved in the dashboard.
All of this costs around EUR 3/month, covering 2,600+ EU and UK banks with no eIDAS certificate required.
Is my PayPal login shared with open-banking.io?
No. You authenticate on PayPal's own consent screen, and open-banking.io only receives the read access you approve.
Can open-banking.io staff see my transactions?
No. Data is encrypted with a key held only on your device, so their servers store ciphertext they cannot decrypt.
Do I need a developer account to connect PayPal?
No. Connecting is a dashboard-only step. API keys and credentials.json are optional extras for reading data in code afterwards.