PayPal Romania API Access via Open Banking Data

PayPal is one of Romania's most widely used payment accounts, holding balances and transaction history for both freelancers and shops. With open-banking.io you can bring that PayPal data into a single, private dashboard — and, if you write code, read it programmatically without ever handing your credentials to a third party. There are no eIDAS certificates to buy and no bank-grade infrastructure to run: open-banking.io is a zero-knowledge service where your data is decrypted only on your own device.

PayPal Romania supports both business and personal accounts, and consent lasts up to 180 days before you re-approve. No BIC is published for PayPal, so open-banking.io identifies it directly by name in the dashboard rather than by a bank code.

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 at open-banking.io and set your encryption passphrase. Your keys are generated locally on your device, so only you can later unlock your data.
  2. In the dashboard, search for PayPal and choose the account type you hold — business or personal.
  3. You are redirected to PayPal's own secure login, where you approve access under PSD2 consent. Your credentials stay with PayPal.
  4. Your PayPal balance and transactions sync back into your dashboard, refreshing for the life of the 180-day consent.

Access your data

Reading PayPal data in code is an optional developer step you take after connecting. From the Developers page, create an API key and export a credentials.json — this bundles the API key together with your private decryption key. Then 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. The open-banking.io servers only ever hold your public key, so an API key alone returns ciphertext — readable data requires the private key that never leaves your machine.

All of this runs for around EUR 3/month, covering 2,600+ EU and UK banks alongside PayPal.

Does connecting PayPal need an API key?

No. You connect entirely in the dashboard and approve on PayPal's screen. API keys are only for the optional developer read step afterwards.

Can open-banking.io read my PayPal data?

No. It is zero-knowledge and stores only your public key. Decryption happens on your device with a key that stays with you.

Can I connect both a business and personal PayPal account?

Yes. PayPal Romania supports both account types, each connected separately with its own 180-day consent.

Ready to start? Visit open-banking.io.