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Company Research3 Jun 2024
The PayPal Story: Online Payment Pioneers
A comprehensive rundown of PayPals history, its founders, and key strategies that enabled the company to revolutionize online payments.
PayPal (PYPL) investor relations material
PayPal Goldman Sachs Communicopia + Technology Conference 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Goldman Sachs Communicopia + Technology Conference 2025 summary9 Sep, 2025
Strategic focus and growth initiatives
Branded checkout, Pay with Venmo, and Buy Now, Pay Later are key growth drivers, with new experiences rolling out globally and strong conversion improvements observed in optimized merchant cohorts.
Pay with Venmo is experiencing over 45% growth, and Buy Now, Pay Later is growing at more than 20%, with a shift to making BNPL more visible upstream in the purchase flow.
Product enhancements focus on mobile conversion, biometrics, and design updates, with over 60% of U.S. transactions now on the new experience and global rollout underway.
U.S. branded checkout is growing faster than a year ago, with new experiences driving material impact and a strong commitment to compete in the U.S. market.
Omnichannel strategy includes PayPal Everywhere, adding millions of new debit card actives and NFC enrollments, supporting the transformation from a payments to a commerce company.
Venmo and ecosystem integration
Venmo has accelerated growth, driven by increased focus, product enhancements, and targeted campaigns, especially among younger demographics.
Debit card adoption and direct deposit usage are rising, making Venmo a central balance and spending tool for young adults.
Venmo Groups and peer-to-peer features are being leveraged to create new purchasing experiences at the point of sale, with plans to invest heavily in this area.
Integration of PayPal and Venmo ecosystems will allow users to transact seamlessly across platforms, expanding addressable market and unique experiences for different cohorts.
Venmo is positioned to disrupt cash and invoicing for service-based businesses, with continued product development for both consumers and small businesses.
PayPal World and global wallet interoperability
PayPal World aims to create an interoperable platform connecting major digital wallets, expanding the addressable market from 400 million to 2 billion users.
Consumers will be able to send money and make purchases across wallets globally, with merchants gaining access to a broader customer base.
Each platform maintains its own economics, with PayPal benefiting from processing fees as the platform holder.
The initiative supports both commerce and remittances, with a focus on global events and travel as catalysts for adoption.
Explain PayPal World's economic model
How is Venmo shifting to an omnichannel spend
Braintree's post-negotiation revenue and margin outlook
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Frequently asked questions
Simplifying peer-to-peer payments
PayPal Holdings Inc is an American fin-tech company that engages in the online payments industry. It develops solutions that enable its customers to transfer money online. It has become a leader in the industry challenging traditional ways of transferring money such as checks, with over 325 million accounts globally. PayPal can be used by both private individuals and businesses to buy things online, send payments to other PayPal users, and request payments. It makes most of its revenues by charging the users a fee on transactions. The Company was founded in 1998 and is headquartered in San Jose, California.
Further reading: The Payment's Value Chain: A Complex Ecosystem
A subsidiary of eBay
Not long after its IPO in 2002, PayPal was acquired by eBay the same year. Many of the eBay users were already utilizing eBay on their auctions and it was a key step to enable online processing of financial transactions. As a subsidiary of eBay, PayPal reached 100 million active users in 2010 located in 190 markets and enabling transactions in 25 different currencies.
In 2015 PayPal was spun off from eBay to an independent and publicly traded company again by pressure from the notorious hedge fund activist Carl Ichan. In 2018, PayPal acquired the Swedish company iZettle, founded by Jacob de Geer and Magnus Nilsson, to further enhance their in-store payment capabilities.
The PayPal Mafia
PayPal, as we know it today, was formed through a merger between Confinity, which was founded by Peter Thiel, Luke Nosek, and Max Levchin, and X.com, which was founded by Elon Musk. After the merger, the company was renamed PayPal in 2001.
The founders and early employees of PayPal have later been referred to as the “PayPal Mafia” due to many of them later went on and founded other successful ventures. For example, Elon Musk went on and founded Tesla, SpaceX, OpenAI, and Neuralink. Other examples include Peter Thiel, founder of Palantir Technologies and the first outside investor in Facebook, Reid Hoffman, founder of LinkedIn (acquired by Microsoft in 2016), and the founders of YouTube (acquired by Alphabet in 2006).
The Braintree acquisition
In 2013, PayPal acquired the Chicago-based company Braintree. The acquisition further enhanced PayPal’s capabilities in enabling online payments for e-commerce and merchants such as One Touch Payments which doesn’t require a sign-up or new entering of credit card details when you buy something online.
The One Touch Payment solution was initially developed by Venmo that was acquired by Braintree in 2012.
Today, Venmo is one of the leading peer-to-peer transactions services that enable individuals to send transfer money between each other. In 2021, Venmo handled over 200 billion U.S. dollars in payments.
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