PayPal Poland Open Banking API Access — Secure Sync
Millions of Polish shoppers, freelancers and online sellers keep money moving through PayPal — yet pulling that balance and transaction history into your own tools has always meant wrestling with credentials and compliance. open-banking.io removes that friction. It gives you PSD2-compliant access to your PayPal (Poland) account through a single dashboard, and keeps the raw data encrypted with a key that never leaves your device.
PayPal in Poland supports both business and personal account types, and a single approval grants a maximum consent window of 180 days before you re-confirm. PayPal has no assigned BIC, so there is nothing extra to look up — you simply select it by name.
How to connect PayPal
Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code snippet or key involved in this step.
- Sign up for open-banking.io and set your encryption passphrase. Your cryptographic keys are generated locally, on your own device.
- Open the dashboard, search for PayPal, and choose whether you are linking a business or personal account.
- You are redirected to PayPal's own secure login, where you approve the access request (standard PSD2 consent) — your password is only ever seen by PayPal.
- Once approved, your PayPal accounts and transactions sync straight into your dashboard.
That is the whole flow. No certificates to register, no bank-specific onboarding.
Access your data
Reading PayPal data programmatically 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 you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Requests authenticate with the X-Api-Key header, and every 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's servers, can read it.
That zero-knowledge design is the core promise: the service holds only your public key, so your PayPal history stays yours. Access to 2,600+ EU and UK banks and providers costs roughly EUR 3 per month.
Is my PayPal login shared with open-banking.io?
No. You authenticate on PayPal's own consent screen; open-banking.io never sees your PayPal password.
Can I connect a PayPal account using the CLI or an API key?
No. Connecting is done only in the dashboard. The CLI, SDK and API read and sync connections that already exist.
How long does access last before I renew?
Up to 180 days per consent, after which you re-approve on PayPal's screen.
Ready to start? Visit open-banking.io.