PayPal Ireland: API Access & Open Banking Data

PayPal is one of the most widely held payment accounts in Ireland, yet pulling its balances and transaction history into your own tools has always meant wrestling with developer portals and review queues. open-banking.io takes a different route: it connects to PayPal (Ireland) through regulated PSD2 open banking, so your money data flows into a single dashboard — and, if you want it, into your code — without you ever handing a secret to a third party.

Everything is decrypted locally with a key that only you hold. open-banking.io is zero-knowledge and certificate-free: the service stores your public key and encrypted blobs, nothing it can read. PayPal (Ireland) offers business and personal accounts, has no published BIC, and grants a maximum consent window of 180 days before you renew.

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.

  1. Sign up at open-banking.io and set an encryption passphrase. Your key pair is generated on your own device.
  2. In the dashboard, search for PayPal and choose the account type — business or personal.
  3. You are redirected to PayPal's own secure login, where you approve access (the standard PSD2 consent screen). open-banking.io never sees your credentials.
  4. Your PayPal accounts sync back into the dashboard, ready to view. Consent lasts up to 180 days, then you re-approve.

Access your data

Want PayPal data in your own scripts? This is an optional developer step after connecting. On the Developers page, create an API key and export a credentials.json — it bundles the API key and your private decryption key. Then read existing connections with the CLI, an SDK, or the REST API:

openbanking accounts
openbanking transactions
openbanking sync

Every request sends the X-Api-Key header, and each response is decrypted locally with your own key. The API key alone only ever returns ciphertext — without your private key, nobody (including open-banking.io) can read it. The CLI and SDK only read and sync connections you already made in the dashboard; there is no connect command.

All of this runs for roughly EUR 3/month.

Does open-banking.io see my PayPal balance?

No. It holds only your public key and encrypted data. Decryption happens on your device with a key only you have.

Can I connect PayPal from the command line?

No. Connecting is a dashboard-only flow where you approve access on PayPal's site. The CLI and SDK read existing connections afterward.

Up to 180 days. After that you simply re-approve access in the dashboard.

Start at open-banking.io.