PayPal profile

Transaction fees and other payment and financial services generate revenue.

PayPal Holdings, Inc.: USD 33.17 billion revenue in the year ended 2025-12-31. Net income: USD 5.23 billion. Group/company figures.

15.78% net margin for the year ended 2025-12-31: reported net income divided by revenue.

PayPal Holdings, Inc. (PYPL), 2026-10-16 snapshot: USD 56.70 per share. Market capitalisation: USD 48.50B.

Checkout, rewards, merchant services and shopping discovery compete to make PayPal more than the last button on someone else’s site.

AI supports payment-risk decisions, personalisation and newer commerce tools. Honey adds automated coupon discovery at the point of purchase.

PayPal develops the payments network and owns Honey; participating merchants supply the underlying sale.

PayPal describes identity, transaction, device, inferred-interest and risk information, including use of information to train AI models and make automated decisions. Certain rights and consent controls apply; anti-fraud, transaction and legal records can remain after account closure.

Risk systems assess transactions, while support and dispute processes handle problems after a purchase.

Check the payment type and rewards conditions; a recognised payment method and a trustworthy seller are different parts of the decision.

15/25 points

PayPal provides payment services under product- and country-specific terms. Purchase protection is not universal coverage for every transfer. The October 2026 privacy statement also describes profiling and AI uses, rather than treating payment processing as the only purpose.

15/25 points

PayPal describes identity, transaction, device, inferred-interest and risk information, including use of information to train AI models and make automated decisions. Certain rights and consent controls apply; anti-fraud, transaction and legal records can remain after account closure.

15/25 points

A familiar payment logo does not verify the underlying seller.

20/25 points

Check the payment type and rewards conditions; a recognised payment method and a trustworthy seller are different parts of the decision.

Comparison priority: merchant acceptance, payment type, fees and the relevant purchase protection. Convenience and the quality of the underlying seller remain separate.

Cashback and Rewards turn eligible purchases into visible benefits. Finding a working coupon adds a small win at checkout.

Payment messages, offers and shopping notifications keep PayPal useful between transactions.

Saved payment details and a recognisable checkout button remove repeated card-entry decisions.

Widespread merchant acceptance gives the payment brand social familiarity, even when the seller itself is unfamiliar.

Reward offers and promotional windows give a payment method an expiry-driven reason to be chosen.