PayPal API Access & Open Banking in Italy | Guide
PayPal is one of the most widely used payment accounts in Italy, and its balances and transaction history are increasingly treated like any other bank account under PSD2. With open-banking.io you can link your PayPal (Italy) account and pull that data into one private dashboard — then, if you write code, read it programmatically. PayPal supports both business and personal account types here, and access consent lasts up to 180 days before it needs renewing. There is no published BIC for PayPal, so it is listed as BIC n/a.
Unlike traditional aggregators, open-banking.io is zero-knowledge and certificate-free. Your data is decrypted on your own device with a key only you hold — our servers keep only your public key and can never read your PayPal transactions. Coverage spans 2,600+ EU and UK banks for around EUR 3/month.
How to connect PayPal
Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code, or key involved in linking.
- Sign up for an open-banking.io account.
- Set your encryption passphrase; your keys are generated locally on your device.
- In the dashboard, choose PayPal (Italy) and select your account type — business or personal.
- You are redirected to PayPal's own secure login to approve access (the PSD2 consent step). You authenticate directly with PayPal; we never see your credentials.
- Once approved, your PayPal accounts sync into your dashboard, and stay connected for the 180-day consent window.
Access your data
Programmatic access is an optional step you take after connecting. On 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 each response is decrypted locally with your own key. An API key on its own only ever returns ciphertext — without your private key, the data stays unreadable. Note the CLI and SDK only read or sync existing connections; there is no connect command.
Does open-banking.io store my PayPal login?
No. You authenticate on PayPal's own consent screen, and we never receive your username or password.
Can open-banking.io read my PayPal transactions?
No. The service is zero-knowledge — it holds only your public key. Decryption happens on your device with a key only you control.
How long does PayPal access last?
Up to 180 days per consent. When the window closes, simply re-approve access from the dashboard to keep your data syncing.
Ready to start? Visit open-banking.io.