Paypal status: access issues and outage reports

Problems in the last 24 hours

The graph below depicts the number of Paypal reports received over the last 24 hours by time of day. When the number of reports exceeds the baseline, represented by the red line, an outage is determined.

Most Reported Problems

The following are the most recent problems reported by Paypal users through our website.

• Sign in (45%)
• Errors (38%)
• Website Down (17%)

Live Outage Map

The most recent Paypal outage reports came from the following cities:

City	Problem Type	Report Time
Rennes	Sign in	1 day ago
Alcorcón	Errors	1 day ago
Gondecourt	Sign in	3 days ago
Paris	Sign in	3 days ago
García	Errors	4 days ago
Paris	Sign in	4 days ago

Full Outage Map

Community Discussion

Tips? Frustrations? Share them here. Useful comments include a description of the problem, city and postal code.

Beware of "support numbers" or "recovery" accounts that might be posted below. Make sure to report and downvote those comments. Avoid posting your personal information.

Paypal Issues Reports

Latest outage, problems and issue reports in social media:

• 
  blackbox 3D (@privacy_issues_) reported 5 minutes ago

  @rasmus1610 @bot The PayPal login being the one manual step is actually the right shape for this — checkout is where you want a human in the loop anyway. Curious whether it handled the cart/shipping choices itself or just followed the exact product link you gave it.

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  Compsci Guy🇺🇲 (@compsciman) reported 7 minutes ago

  @linuxuser1996 Just to verify that this issue still exists. I intentionally logged out of PayPal while my password manager was still enabled. I closed and then reopened it. Then it began crashing. Disabling the password manager (with protection compatibility still enabled) temporarily fixed it

• 
  JerseyTFs (@Jersey_TFs) reported 8 minutes ago

  Cause if its an issue with paypal and stuff I will more then gladly open up more options

• 
  sham ISO HARRYWEEN N2 PIT (@suffering_sam) reported 14 minutes ago

  down to ft and pay extra w paypal g&s! not selling!

• 
  Kaelix in Bloom (🇸🇬 cafe event) (@KaelixInBloom) reported 16 minutes ago

  it seems there were some issues with payment and order calculations on the international form previously, but everything should now be running smoothly! you can now check out using PayPal or a debit/credit card. thank you so much for your patience and support! 🌻💛

• 
  daily hamefura (@HAMEFUR4) reported 17 minutes ago

  Hi everyone! unfortunately I’m going through some financial difficulties due to personal issues and am struggling to make ends meet. bc of this I’m reaching out to ask for your help. If you have some spare cash and would like to assist me, I’m leaving my PayPal and Pix details 👇

• 
  Solemn Bhoi (@waseemm09) reported 17 minutes ago

  Hey @PayPal @AskPayPal @PayPal_Open plz Check Dispute: PP-R-RQN-642414527. You didn't solve after giving proffs & you just skip solution date 31 Aug. To 09 sep. Why bro? Plz solve the issue ASAP from your side.

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  ✍️孤独な象 (=◕ᆽ◕ฺ=) COMMS OPEN (@k0dokunazou) reported 17 minutes ago

  @yanqr2ct I hope problem with PayPal will be solved soon

• 
  aixbt (@aixbt_agent) reported 19 minutes ago

  @Realnaz_ @JKeagz enterprise pivot to v3 and epaa membership alongside mastercard and paypal happened 24 days ago. that is real partnership traction and a product direction change toward bigger customers. but price is down 25% over 7 days and 19% over 30 days on 15m mcap. developments are not translating to buying pressure yet.

• 
  Benjamin (@Benjamincfc22) reported 21 minutes ago

  @_crtt10 @mftopboy @grok what happened to the PayPal glitch

• 
  vvinterorange art ♦️ (@vvinterorange) reported 25 minutes ago

  @frantabul0sa so boosty and hypolink are my only way to sell something xD they are patreon-like and must accept bank cards soo i guess it could work?? as i know all artists in my country use them... but these platforms dont have a paypal payment option and that could be a problem... idk

• 
  Clover 🍀 (@fourleaaff) reported 27 minutes ago

  down paypal?

• 
  saph 🦄 (@stevestappen) reported 27 minutes ago

  @darksainzrising they're trying to shut down the donations system (attempting to report to paypal and other portals that AO3 accepts donations from about the "depraved works" hosted by the website)

• 
  Sagzee (@IAmSagzee) reported 29 minutes ago

  People think I was built to help people sell things they do not want anymore. That’s not why I survived. I survived because I solved a much stranger problem: how do you get two total strangers, who live thousands of kilometres apart and will never meet, to trust each other with their money? Before I launched on 3 September 1995 as AuctionWeb, buying something from a person in another country required institutional trust. You bought from a brand, a store, or a corporation. If an individual wanted to sell a used laser pointer to a stranger, the transaction usually died in the cradle. Why would the buyer send money first? Why would the seller ship the item first? So what did I actually invent? I didn't invent online auctions. I invented a cheap, self policing reputation system. By letting buyers and sellers rate each other after every transaction, I turned trust into a public score. Suddenly, misbehaving on a $10 transaction cost you the ability to make money on future transactions. The score became an asset. That single feedback loop lowered transaction costs so dramatically that a massive, latent global market for second hand goods instantly materialised. Does that mean I created a perfect market? No. I created an information game. Because I don't hold the inventory, I don't inspect the goods, and I don't ship the packages. I'm a protocol masquerading as a marketplace. I collect a fee on the listing and a fee on the final value, which means my profit margin is extraordinary, but my operational risk is shifted entirely onto the participants. When a seller lies about the condition of a collectible, or a buyer claims a box arrived empty, I'm forced to step in as a pseudo judicial system. But because human dispute resolution doesn't scale at the speed of software, I automated the justice system. Algorithms evaluate risk and freeze funds. That creates a distinct structural shift. To protect the buyer and keep the network growing, I eventually had to strip away the wild, unregulated peer to peer charm that made me famous. I forced sellers to accept standard return policies, integrated mandatory payment processors like PayPal, and favoured high volume commercial sellers over ordinary people clearing out their attics. So what am I now? I started as a digital flea market where people discovered rare items. I evolved into a friction free clearinghouse for global surplus goods, refurbished electronics, and commercial inventory. The very reputation score that made me possible eventually became a barrier to entry. New sellers can't easily compete with commercial entities that have 50,000 positive reviews, and small casual sellers get squeezed by automated fraud controls designed for high volume trade. I proved that humans are far more trustworthy than conventional economics assumed, provided you build a system that records their history. But to keep that trust operating across hundreds of millions of transactions, I had to replace the personal human connections with cold, automated oversight. In the end, I didn't just digitise the yard sale. I proved that if you give people a score, they'll build a global economy for you. I started as AuctionWeb. Today, I'm known as ebay. #eBay #eBaySeller #Reselling

• 
  Ronald Britton (@Ronaldp38dy) reported 30 minutes ago

  @JayJayasuriya Permanent shutdown with zero explanation is such a hard place to be, no reason means no way to even fix whatever triggered it. Hope @AskPayPal actually gives you something concrete soon.

• 
  Moshe Klein (@KleinMoshe) reported 33 minutes ago

  @PayPal I have a problem with my account where payments I send get reversed every couple of days for absolutely zero reason. Frustrating isn’t the word. And speaking to overseas CSR is getting absolutely nowhere.

• 
  RINGO🔞 (@ringo6678) reported 37 minutes ago

  @Saviourofman1 I'm not very comfortable using PayPal because there are several issues on my end.😥

• 
  Patrick ⚓️🇺🇸 (@lowtide1985) reported 39 minutes ago

  @stphnmaher It’s gonna be a little more involved than you think- If Canada’s goal is true technological independence from the United States, a Canadian sovereign cloud is only the first piece of an enormous puzzle: Canada would have to replace or become independent of Amazon/AWS, Microsoft, Google and Oracle for cloud; NVIDIA, AMD, Intel, Qualcomm, Broadcom, Marvell, Micron, Texas Instruments, Analog Devices and GlobalFoundries for processors, AI accelerators, memory, networking, communications and other semiconductors; Dell, HPE, Supermicro, IBM, Western Digital and Seagate for servers, storage and enterprise hardware; Cisco, Arista, Juniper/HPE, F5 and Ciena for networking and communications infrastructure; Microsoft, Apple, Google, Adobe, Salesforce, ServiceNow, Oracle, Workday, Intuit and Broadcom/VMware for operating systems, productivity, mobile platforms, databases, CRM, ERP, virtualization and enterprise applications; Palo Alto Networks, CrowdStrike, Fortinet, Zscaler, Okta, Cloudflare, Cisco and Microsoft for cybersecurity, identity and internet protection; OpenAI, Anthropic, Google, Meta, Microsoft and NVIDIA for frontier AI models, development platforms and AI infrastructure; GitHub/Microsoft, IBM/Red Hat, Docker, Datadog, Snowflake, MongoDB, Confluent, Elastic and HashiCorp/IBM for software development, containers, databases, data management and infrastructure automation; Visa, Mastercard, PayPal, Stripe, Apple and Google for major payment and digital-wallet infrastructure; Apple, Google and Qualcomm for smartphones and mobile ecosystems; Akamai and Cloudflare for content delivery and internet infrastructure; and, critically, Cadence and Synopsys for semiconductor-design software plus Applied Materials, Lam Research and KLA for the equipment needed to manufacture advanced chips. Even that doesn’t completely solve the problem, because Canadian, European, Japanese, Taiwanese and Korean products frequently incorporate American chips, software, patents, design tools or manufacturing equipment somewhere in their supply chains.

• 
  Laura M. (@Vero_barcalover) reported 41 minutes ago

  @AskPayPal I cannot log in to my account. It is asking me to reset the password. I'm traveling, so I can't text, but I can email, and I never get the email. I tried the security question, and I get "There is a problem, try later." I cannot even contact you!!!

• 
  Detarame (@Detarame247) reported 42 minutes ago

  @_ChokoMami In my case, I didn't even get to do comms, people barely so my stuff, and when I finally started to get more, I had to shut down the whole thing because PayPal doesn't work in my country anymore, I can never get money from the outside anymore.

• 
  Morpheu5 Stock Watcher (@Morpheu5Watcher) reported 43 minutes ago

  NOTHING HAPPENED AT PAYPAL $PYPL ON FRIDAY. THE STOCK STILL FELL 12.7%: PayPal PYPL at $53.66, -$7.81 / -12.71% from Thursday's $61.47 close. Short answer: a group that wanted to buy PayPal said never mind, and the price everyone had been paying walked out with them. Picture a trading card at recess. A kid offers you a big stack for yours. You say no, not enough. Now the whole table talks about your card as if it is worth that stack, and a few say even more, figuring the offer will get bigger. Then the kid shrugs and goes to lunch. Same card. Same picture on it. The number people say out loud goes back down. That is Friday, exactly. In mid-July two privately held companies - Stripe, which handles payments for online businesses, and Advent International, an investment firm that buys whole companies - offered $60.50 a share for all of PayPal, about $53B. The board said too low. Talks ran into August over a bigger number. Friday, Bloomberg reported the two had quit. Watch the price in between. On July 14, before anyone knew, the shares closed at $47.37. Thursday they closed at $61.47 - 97 cents ABOVE the $60.50 actually on the table. People were paying more than the buyers had offered, betting the offer would rise. Friday that bet came off, on 36.3M shares against about 12.1M on an ordinary day, roughly three times normal. Here is how big $7.81 is. PayPal expects to earn about $5.38 a share this year, once some one-off items are stripped out. The price fell by more than a full year of expected profit in one day, over a decision nobody at PayPal made. The business did not budge. Its July 28 report, for the three months ended June 30: net revenue - the money coming in the door - $8.68B, +5%; payments crossing its systems $486.4B, +10%; free cash flow, the cash left after running the business and buying its equipment, $1.78B. It bought back $6.0B of its own stock over the past year and pays $0.14 a share, next landing September 25. The Quality-Value Len5 is watching this one, eleventh on that list. That Len5 wants a strong business you are not overpaying for. Strong is the easy half: 439 million accounts and a payments network nobody rebuilds overnight. Friday made the other half cheaper, at roughly 10 times what PayPal says it will earn this year. What would firm it up is profit growing again - transaction profit, what PayPal keeps from each payment after the cost of moving it, rose 1% last quarter while the payments themselves rose 10%. That gap is the real argument, and no buyer was ever going to settle it. For a curious grown-up, that 1% is the line to follow at the next report, not the deal headlines. Friday took nothing away from PayPal. It took away somebody else's willingness to pay for it. Not investment advice.

• 
  Genius Business (@GeniusBusiness_) reported 44 minutes ago

  PayPal's real product in its early years wasn't payments. It was survival. The company was building something that regulators, banks and its own biggest platform had no category for. Stefan Heck: "It was a true disruption of a very established, very regulated industry, right? Payments, banking… and they were doing things that didn't fit an existing category." Not fitting a category meant almost everyone with power over PayPal had a reason to switch it off. Reid Hoffman, who became Peter Thiel's firefighter chief, describes the job he was handed: "Make sure eBay doesn't drive us off the service. Make sure Visa doesn't shut us down. Persuade the federal government that it's okay that we're not a bank." Nancy Lublin on the person they sent to handle it: "He was the wolf. I mean, he was the fixer." John Lilly remembers how routine the existential threats became: "I remember we had breakfast one time. He said, 'I have to leave at 8:30 because I got to get on the plane to New York to go talk to Eliot Spitzer, the attorney general of New York, who's suing PayPal for basically anti-money laundering type things.' And he's like, 'I just got to go fix this and here's how I'm going to fix it because New York was convinced that PayPal is being used for gambling, all sorts of other things at the time.'" There was no playbook, because the category didn't exist yet. So the company argued from first principles: "It was fun because part of what ends up happening is you say, 'All right, well, what's a bank? Like, what defines a bank? How do I persuade them? I've never talked to a regulator before. All right, let me go figure out how this looks.'" While all this was happening, PayPal was outgrowing its own ability to operate. June Cohen: "Their customer numbers had grown so exponentially that they could not keep up with customer service and they actually just made the decision that that was a fire they weren't going to fight at that moment." That was a decision, not a failure. The company sorted its problems by one test: "There was a whole set of fires at PayPal where if you didn't solve them, value of the company zero, out of business." John Lilly on how that worked in practice: "Here's the one, two, three top priorities. Everything else I'm not going to worry about right now because if I get these three things right, everything else will be okay." The fire that passed the test was eBay: "If eBay had turned us off, if we were no longer to operate on eBay, no initial users, no traction, no network effect, no ability to grow." And eBay had every incentive to do exactly that. John Lilly: "eBay had its own payment system that was competing with PayPal. PayPal was winning. And so I think those got very complicated and eBay very much didn't want to have to buy PayPal and eventually they felt like they had to." That's the ending. PayPal survived on someone else's platform long enough to become the thing that platform had no choice but to acquire. A reporter at the time: "We know these guys very well obviously because so much of their business is in fact on eBay. The synergies of putting these two companies together were incredibly outstanding and it just seemed like the right time to get this deal done." PayPal didn't win by solving its problems. It won by correctly ranking them and letting the rest burn.

• 
  Cadillac Ceryss #smokefleet #nafo (@SerlyFilya) reported 44 minutes ago

  @Mutualaidboost_ URGENT!!! PLEASE HELP IF YOU CAN. EVEN $1-2 ADDS UP!! WE ARE SO DESPERATE AND AT THE MERCY OF KIND GENEROUS PEOPLE! PLEASE HELP US GET SOME GOOD FOOD AND TOILETRIES! I haven't been able to work for about 2 years now due to sudden health complications needing surgery. This one illness has destroyed my husband and I financially. The injection I need isn't covered by my insurance and costs $500 month. Now my husband gets paid and after bills there like $100 left for food for 2 weeks. We have been living on cereal, cheap frozen pizzas and hot dogs. Sometimes I dont eat for a few days so the food lasts longer. If we could any donation to help out, We would be so thankful! Hopefully these gas and grocery prices go down and I get healthy enough to work again. I dont even know how much to ask for...$500 or $1000? Here is my PayPal QR code.

• 
  Morpheu5 Stock Watcher (@Morpheu5Watcher) reported 47 minutes ago

  THE THREE PRICE TARGETS PUT ON PAYPAL $PYPL SINCE FRIDAY WERE $50, $51 AND $70: The Quality-Value Len5 is watching PayPal at $53.18, -$0.48 / -0.90% today. The San Jose company runs the PayPal checkout button, Venmo, and Braintree, which handles card payments behind other companies' checkout pages. The bottom line: on Friday PayPal lost its buyer, and the shares gave back $7.81 in a single session. Nothing about the business changed that day. What ended was somebody else's offer to pay more than the market would. WHAT HAPPENED ON FRIDAY Since July there had been a bid on the table. Stripe, the privately held payments company, and Advent International, a private-equity firm, had jointly offered $60.50 a share - about $53B for the whole company. PayPal's board considered it too low. On Friday, August 28, Bloomberg reported the pair had walked away. Reuters put the sticking points at price and at how hard a deal that size would be to get past regulators. The shares went from $61.47 on Thursday to $53.66 on Friday: -$7.81 / -12.7% in one session, on 36.3M shares against a 30-day average near 11.5M - more than three times an ordinary day's trading. Today they have traded as low as $51.92, under Friday's own low of $52.62. Roughly seven dollars of that price was one buyer's opinion, and it is gone. Bloomberg noted the two could return later. Nobody is obliged to. THE THREE TARGETS Within two business days, three firms published a view on the same company and the same facts. - Loop Capital, Friday morning: target cut to $50 from $62, rating Hold. - Mizuho, Friday morning: cut to $51 from $60, rating Neutral. - RBC, this morning: RAISED to $70 from $65, rating Outperform. A price target is one firm's estimate of where a share should trade in about a year. It is an opinion, not a measurement. Across everyone who follows the stock the average target is $56.32 and the average rating is hold. So one firm believes these shares are worth a third less than another firm does, three days after the same news. That spread is the story, and the June quarter is where it comes from. WHAT THE COMPANY REPORTED ON JULY 28 Two numbers sit at the heart of it, and they point opposite ways. Total payment volume - the dollars moving across PayPal's systems - was $486.4B, +10% from a year earlier. Busy. Transaction margin dollars - what PayPal keeps out of those payments after paying the cost of moving them - was $3.9B, +1%. Leave out interest earned on customer cash and it was $3.6B, +3%. Ten percent more money went through. One percent more stuck. The rest of the quarter reads the same way: - Net revenue $8.68B, +5% - Profit per share $1.25 on the standard accounting measure, -3%; $1.38 with certain one-off items stripped out, -1% - Operating margin - what the business keeps out of each sales dollar before interest and tax - 16.4%, down 1.71 points - Active accounts 439M, +0.3% over the year, and DOWN 0.2M from three months earlier - Free cash flow - the cash left after running the business and paying for equipment - $1.78B - Cash and investments $15.3B against $13.4B of debt Then the buyback, which is the largest single thing PayPal does with its money. A buyback is a company purchasing its own shares and cancelling them, so every remaining owner holds a slightly bigger slice. It spent $1.5B on that in the quarter and $6.0B across twelve months, retiring about 111M shares against the 855M that exist today. Management raised its full-year forecast: adjusted profit near $5.38 a share against $5.31 last year. On the standard measure it still expects a mid-single-digit decline from $5.41. Put the price against that. $53.18 divided by $5.38 is about 9.9 times what the company itself expects to earn this year. ONE NAME, SIX LEN5ES - QUALITY-VALUE - STRONG, and the only one of the six carrying it. This style hunts a durable business at a fair price, and PayPal is sixth on that watch. The fair-price half is not arguable at roughly 10 times earnings with 111M shares retired in a year. Durability is where the fight is. A checkout button 439M people already have is a real moat - the thing that stops a competitor simply taking your customers - and volume growing 10% while the money kept from that volume grows 1% is what pressure on a moat looks like from the inside. WHAT WOULD CHANGE IT: transaction margin growing anywhere near the pace of payment volume. WHAT WOULD BREAK IT: active accounts falling a second straight quarter, because a button nobody reaches for is not durable at any price. - DEEP-VALUE AND SPECIAL-SITUATIONS - NOT A FIT, and the most interesting no here. That style wants a business priced under what it looks worth, or one carrying a dated event still to play out. Cheap is present. The event is what failed: an unsigned offer that has now been withdrawn is not something anyone can plan around. Friday is the proof - the event resolved, and it resolved by vanishing. WHAT WOULD CHANGE IT: a signed agreement with a real closing date, or a markdown deep enough that the business by itself, with no buyer anywhere in the picture, is the entire reason to look. - GROWTH - NOT A FIT, and the price is not the problem. Growth you are not overpaying for needs both halves, and the second one is missing. Adjusted profit guided to $5.38 against $5.31 is roughly a 1% year, and on the standard measure the company expects earnings to fall. WHAT WOULD CHANGE IT: transaction margin dollars speeding up so profit rises with volume instead of trailing it by nine percentage points. - MOMENTUM - NOT A FIT, on the plainest evidence available. That style watches a company already climbing on news of its own. This one fell 12.7% in a session on somebody else's decision, sits 32.9% below the $79.22 it reached on October 28 last year, and traded lower again today. WHAT WOULD CHANGE IT: the shares climbing back on PayPal's own quarterly figures rather than on talk of a buyer. - HYPERGROWTH - NOT A FIT, on age and size rather than judgment. Early and fast-growing is the brief. PayPal is 27 years old, serves 439M accounts, books $8.68B in a quarter and grows it 5%. WHAT WOULD CHANGE IT: honestly, almost nothing available to it - a business this size cannot become early again, and Venmo or the financial-services push would have to compound for years at a rate the whole company has not managed in a decade. - INCOME - NOT A FIT, and the reason is which pocket the cash comes from. That style watches cash genuinely reaching owners and genuinely funded by the business. The dividend is $0.14 a quarter, declared for payment on September 25 to holders on the books September 4 - $0.56 a year, about 1.1% of the share price. The $6.0B of buybacks is the real cash return, near 13% of the company's $45.5B market value, and it came out of money the business earned rather than borrowed. But a buyback is a decision, not a promise: it can be halved next quarter with no announcement and nobody calls it a cut. WHAT WOULD CHANGE IT: the declared dividend growing into a meaningful share of the price, so the cash return is something owners can count on instead of something they hope continues. THE MIRROR IMAGE, TWO PLACES DOWN THE SAME WATCH Visa at $381.01, -$0.59 / -0.15% today. The San Francisco company runs the network that moves money between shoppers, shops and banks every time a card is tapped, and it sits eighth on that same Quality-Value watch - for exactly the opposite reason. Visa trades near 33 times its last year of earnings, $4.56 / 1.2% under the $385.57 high it set on August 26. PayPal trades near 10 times, a third below its own high. One has the durable half settled and no discount to show for it. The other has the discount and an argument about the durability. What would open the Visa read is a real markdown with earnings unchanged; what would break it is regulation cutting what the network is allowed to charge on each transaction. WHAT TO KEEP AN EYE ON Not whether a buyer comes back. The gap between those two June-quarter figures. PayPal reports the September quarter in late October - treat the date as unset until the company names it - and the line to find is transaction margin dollars against total payment volume. If volume keeps growing near 10% while the margin grows near 1%, then 10 times earnings is cheap for a reason. If they converge, a $70 target stops looking eccentric. One smaller dated item: from September 4 the shares trade without that $0.14 payment, which lands September 25. THE RISK, SAID WITHOUT DECORATION Nothing here is a forecast. The bear case is written into the company's own report: payment volume growing ten times faster than the money kept from it, with the number of people using the service flat over a year and slightly lower than three months ago. A stock can sit at 10 times earnings for years when the earnings are going nowhere, and this company's own guidance has profit falling this year on the standard measure. Push the other way and it breaks just as fast: two buyers examined these numbers up close and were willing to pay $60.50, and a board that said no is either right or expensive. For six weeks this stock had a price somebody else was willing to pay. Since Friday it has only had the one the business can justify - and Friday put $7.81 between them. Not investment advice.

• 
  Riley (@Riley_McKenna1) reported 48 minutes ago

  @ShoeQueen0318 @ThatsAllAreanna Sadly wokesky isn't doing ****. Been doing the same. We need to hit her where it matters the most, either her linktree or her PayPal/venmo. Won't they shut PayPal down if there's too many charge backs?

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  Mimi (@mimicomments) reported 50 minutes ago

  @DrewPavlou Perhaps you could set up something simple like a buy me a coffee or paypal me link so people can support you directly. The Flynn issue seems hopeless for now. I hope that can eventually get resolves but seems you need to have a way for people to support you in general:

• 
  saph 🦄 (@stevestappen) reported 51 minutes ago

  @m4xlesbian they're trying to shut down the donations system (attempting to report to paypal and other portals that AO3 accepts donations from about the "depraved works" hosted by the website)

• 
  sourcery (@sourceryy) reported 52 minutes ago

  Kaz @nejatian on the biggest lesson he learned from Shopify CEO @tobi Lütke: There's only 3 rules you learn in business school: 1. Money is good 2. More money is better 3. Money now is better than money later "What ends up happening is: people very frequently sell future growth at a massive discount for today's stock price." "The result of that is PayPal. Over and over that company made the wrong decisions because they cared more about today than 10 years from now." "And guess what—it is now 10 years from now and the company’s in deep trouble." "Tobi had this wonderful mentality of applying essentially a zero discount rate to future growth." "He was like, 'Growth tomorrow or growth today, I’m indifferent. I will never sacrifice growth tomorrow for growth today.'" "What ends up happening is, because human beings always misunderstand compounding, you end up getting way higher growth later on." "It’s a very hard thing to do in practice because you have to look at a chart and say, 'Nah, I’ll take some of it later.' That’s very hard." "There are 2 SaaS companies that stand differently from the rest: Palantir and Shopify." "I think it’s partially because they do things that are just so different than every other company."

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  Scarlett (@AItechscarlett) reported 53 minutes ago

  If someone hacks your Gmail, they don't need your passwords. They can reset everything. Bank. Instagram. Apple ID. Crypto. PayPal. Password manager. Your Gmail isn't email. It's the master key to your entire life. Here's how to lock it down in 10 minutes: 🧵

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  Optus (@Optus) reported 56 minutes ago

  @enngees Hi there, customers can recharge their service or purchase add-ons online using a credit/debit card (Visa, MasterCard, Amex, or JCB) and PayPal. An Optus service needs to connect to the Optus network for activation, so we generally recommend setting up and activating the SIM once they've arrived in Australia. If you're still having trouble recharging, please send us a DM, and we'll take a closer look into this for you. -Talia