Access PayPal Portugal Data via Open Banking API
Do you use PayPal in Portugal for online payments, marketplace payouts, or everyday spending? open-banking.io lets you pull your PayPal balances and transactions into one dashboard, then read them programmatically whenever you're ready. It's a certificate-free, zero-knowledge service covering 2,600+ EU and UK banks and payment institutions — and your financial data is decrypted only on your own device, using a key that never leaves it.
PayPal Portugal works for both business and personal accounts, with a PSD2 consent that stays valid for up to 180 days before you re-approve. There's no published BIC for PayPal, and you don't need one — connecting is driven entirely from the dashboard.
How to connect PayPal
Connecting happens in the open-banking.io web dashboard — there's no API call, code, or key involved in this step.
- Sign up for open-banking.io and set your encryption passphrase. Your keys are generated locally on your device the moment you set it.
- In the dashboard, search for PayPal (Portugal) and choose the account type — business or personal.
- You're redirected to PayPal's own secure login to approve access under PSD2. You authenticate directly with PayPal; open-banking.io never sees your credentials.
- Once approved, your PayPal accounts sync into your dashboard, refreshing automatically for the life of the 180-day consent.
Access your data
Reading your data programmatically is an optional developer step you take after the connection exists. Open 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 your key in the X-Api-Key header, and each response is decrypted locally with your private key. Because open-banking.io is zero-knowledge and holds only your public key, an API key on its own returns nothing but ciphertext — the readable data only appears on your machine. Note the CLI and SDKs read and sync existing connections; they never create one.
All of this runs for around EUR 3/month, with no eIDAS certificates to buy or maintain.
Is my PayPal data readable by open-banking.io?
No. The service is zero-knowledge and stores only your public key. Decryption happens on your device with a private key only you hold.
Can I connect a PayPal business account?
Yes. Both business and personal PayPal accounts in Portugal are supported.
How often do I re-approve access?
PSD2 consent lasts up to 180 days, after which you re-approve on PayPal's login screen.