PayPal API Access via Open Banking | open-banking.io

PayPal is one of the most widely used payment accounts in Europe, and its balance and transaction history are just as valuable as any bank feed. With open-banking.io you can bring PayPal (Luxembourg) into a single, privacy-first dashboard alongside 2,600+ other EU and UK institutions — no eIDAS certificate, no screen-scraping, and no third party ever able to read your data. Because open-banking.io is zero-knowledge, your PayPal information is decrypted only on your own device, with a key that never leaves your hands.

PayPal (Luxembourg) supports both business and personal accounts, and consent stays valid for up to 180 days before you re-approve. There is no BIC on file for PayPal, which is normal for a payments institution rather than a traditional bank.

How to connect PayPal

Connecting happens entirely inside the open-banking.io dashboard — there is no code, endpoint, or API 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 at this moment.
  2. Open the dashboard and search for PayPal (Luxembourg).
  3. Choose the account type you hold — business or personal.
  4. You are redirected to PayPal's own secure login, where you approve access under PSD2 (up to 180 days).
  5. Once approved, your PayPal accounts and transactions sync straight into your dashboard.

That's the whole flow: you authorise on PayPal's side, and your data flows back encrypted.

Access your data

Reading PayPal data programmatically is an optional step you take after connecting. From the Developers page, create an API key and export a credentials.json — this bundles your API key together with your private decryption key. From there you can 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 alone only ever returns ciphertext — without your private key, no one, including open-banking.io, can read a thing.

All of this runs for around EUR 3/month.

Do I need a certificate to connect PayPal?

No. open-banking.io is certificate-free — you approve access directly on PayPal's login screen.

Can open-banking.io see my PayPal transactions?

No. The service is zero-knowledge and holds only your public key. Decryption happens on your device.

Can I connect PayPal with the CLI?

No. Connecting is done in the dashboard. The CLI and SDK only read or sync accounts you've already connected.

Ready to start? Visit open-banking.io.