PayPal API Access & Open Banking (Lithuania)

PayPal's European operations run out of Luxembourg, but its Lithuanian customers hold everyday balances, incoming payments and transaction histories that are often awkward to pull together in one place. open-banking.io gives you a single, private view of that data — and, if you write code, a clean way to read it programmatically. Everything is decrypted on your own device with a key only you hold, so no one else (not even us) can see what your PayPal account contains.

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. First, create an account and set an encryption passphrase; your keys are generated locally on your device the moment you do. Next, open the dashboard, search for PayPal in the bank list and choose the account type you hold — both business and personal PayPal accounts are supported. You are then redirected to PayPal's own secure login, where you approve access under PSD2 (this consent lasts up to 180 days before you renew it). Once you confirm, your accounts sync straight back into your dashboard. PayPal has no assigned BIC (BIC: n/a), so you won't need one here.

Access your data

After a connection exists, developers can optionally read it in code. On the Developers page, generate an API key and export a credentials.json — this bundles the API key together with your private decryption key. From there the CLI (openbanking accounts, openbanking transactions, openbanking sync), the SDKs and the REST API all work against your live connection. Requests carry 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. The CLI and SDK read and sync connections that already exist; they never create one.

The whole service is certificate-free and zero-knowledge: our servers store only your public key, so we physically cannot decrypt your PayPal data. Access to 2,600+ EU and UK banks costs roughly EUR 3/month.

Do I need a developer account to use PayPal here?

No. Connecting and viewing PayPal in the dashboard needs no code. The API key and credentials.json are only for those who want programmatic reads afterwards.

Can open-banking.io see my PayPal transactions?

No. Data is decrypted on your device with a key we never receive. We hold only your public key.

How long does PayPal access stay active?

Up to 180 days per PSD2 consent, after which you re-approve on PayPal's login screen.

Ready to start? Visit open-banking.io.