PayPal Open Banking & API Access | Liechtenstein

PayPal is one of the most widely held payment accounts in Europe, and many people in Liechtenstein rely on it for both everyday spending and running a business. With open-banking.io you can bring your PayPal balance and transaction history into a single, private dashboard — and, when you want to, read it programmatically. Everything is decrypted on your own device with a key only you hold, so nobody at open-banking.io (or anywhere else) can see your PayPal activity.

open-banking.io reaches 2,600+ EU and UK banks and payment institutions without you ever handling a QWAC certificate or eIDAS setup. PayPal supports both business and personal accounts, and a single consent stays valid for up to 180 days before you renew it. PayPal has no assigned BIC here (BIC: n/a), which is normal for a payment institution rather than a traditional IBAN bank.

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 for open-banking.io and set your encryption passphrase. Your keys are generated locally on your device, never on our servers.
  2. Open the dashboard, search for PayPal, and choose whether you're linking a business or personal account.
  3. You're redirected to PayPal's own secure login, where you approve the PSD2 access request directly with PayPal — your credentials are never shared with us.
  4. Once approved, your PayPal accounts sync into your dashboard, ready to view.

Access your data

Reading PayPal data programmatically is an optional developer step you take after connecting. 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, 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. An API key on its own only ever returns ciphertext, which keeps the whole system zero-knowledge.

All of this runs on a simple subscription of around EUR 3/month, with no per-call fees or hidden certificate costs.

FAQ

Does open-banking.io store my PayPal login or data?

No. You log in on PayPal's own screen, and your data is encrypted with a key only you hold. Our servers keep only your public key and never see readable data.

Can I connect PayPal using the API or CLI?

No. Connecting only happens in the dashboard via PayPal's consent screen. The CLI, SDK, and API only read and sync accounts you've already linked.

Up to 180 days per approval. When it expires, you simply re-approve access from the dashboard to keep syncing.

Get started at open-banking.io