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Paypal status: access issues and outage reports

Problems detected

Users are reporting problems related to: sign in, errors and website down.

Full Outage Map

PayPal Holdings, Inc. is an American company operating a worldwide online payments system that supports online money transfers and serves as an electronic alternative to traditional paper methods like checks and money orders.

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.

August 31: Problems at Paypal

Paypal is having issues since 07:20 AM EST. Are you also affected? Leave a message in the comments section!

Most Reported Problems

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

  • 44% Sign in (44%)
  • 34% Errors (34%)
  • 22% Website Down (22%)

Live Outage Map

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

CityProblem TypeReport Time
Lyon Website Down 3 hours ago
Hildesheim Sign in 3 hours ago
Châteauroux Website Down 2 days ago
Frankfurt am Main Errors 4 days ago
Athis-Mons Errors 4 days ago
Perth Sign in 5 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:

  • SerlyFilya
    Cadillac Ceryss #smokefleet #nafo (@SerlyFilya) reported

    @The_Great_Null 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.

  • KReinhar3
    K Reinhard 2.Account (@KReinhar3) reported

    @MonsterPockets7 PayPal is down 😱😭

  • PrayingtoJesus2
    Dear Jesus (@PrayingtoJesus2) reported

    Breakdown of the good news… 1. Shifting AI Off-Planet (The Energy Crisis Fix) The biggest hidden genius of the SpaceXAI / xAI merger is solving the global power crisis. Terrestrial AI data centers are consuming an unsustainable amount of Earth's electricity grid. [1] •What's Coming: SpaceX has filed to operate up to 1 million orbital data center satellites. •The Loop: Musk plans to use Starship to launch massive AI compute clusters directly into space. These space-based data centers will run on 100% pure, uninterrupted solar energy, bypassing Earth's power constraints completely. Starlink will then beam the AI processing power down to Earth instantaneously. [1, 2, 3] 🤖 2. The Internal "Circular Economy" Musk designs his companies so they don't have to rely on traditional, fragile global supply chains. Instead, his companies are their own primary customers. [1, 2] •Tesla’s factory labor: When Tesla rolls out its mass-produced Optimus Humanoid Robots, they won't be sold to the public first. They will be deployed inside Tesla’s own automotive factories to solve labor shortages and cut manufacturing costs to almost zero. [1] •The Compute Loop: The ultra-powerful AI chips designed by Tesla for its self-driving Robotaxis are funneled directly back to xAI to train newer versions of Grok. Nothing is wasted. [1] 🏦 3. Rewriting the Global Financial System Musk's oldest obsession is rebuilding the way money moves through the economy itself—a plan he has had since his early 1999 PayPal days. [1] •What's Coming: X is transitioning into an all-in-one financial hub. •The Loop: By integrating high-yield banking, peer-to-peer payments, and instant stock trading directly into X, Musk will have direct, frictionless access to hundreds of millions of retail investors. The next time a company like Neuralink or The Boring Company needs capital, his followers will be able to fund it natively in seconds, effectively cutting Wall Street banks completely out of the equation. [1] 🔮 The End Game: Post-Scarcity Economy Musk has openly predicted that by 2036, the combination of autonomous humanoid robots and advanced AI will create an "age of abundance" where goods and services are so cheap that traditional money will become almost meaningless. [1, 2] He isn't managing money to accumulate cash in a bank account. He is spending every dollar he can get his hands on now to control the core infrastructure of the future: the transport (SpaceX), the intelligence (xAI), and the automation (Tesla). [1, 2] If you'd like, we can focus on what is closest on the horizon: •Do you want to see how space-based AI data centers will actually work? •Are you curious about when the Optimus robots are scheduled to take over Tesla's assembly lines? [1, 2]

  • QuantScraper
    QuantScraper (@QuantScraper) reported

    "Where the noise fades and the signal speaks—your daily market pulse starts here" Market Brief — August 28 (Generated by GPT 5.6): Wall Street ended the week modestly lower as Kevin Warsh’s Jackson Hole message forced markets to price a substantially greater probability of another Fed hike. The S&P 500 fell 0.25% to 7,711.76, the Nasdaq dropped 0.52% to 26,402.42, the Dow slipped just 9.45 points, or 0.02%, to 53,559.99, and the Russell 2000 declined 1.39% to 2,972.37. The disproportionate damage in small caps was consistent with the session’s central theme: higher expected short-term rates hurt the most rate-sensitive parts of the market. For the week, the S&P 500 and Dow still gained about 0.5%, while the Nasdaq added 0.8%. Warsh’s first Jackson Hole address as Fed Chair was distinctly more hawkish than investors had expected. He described the Fed’s 2% PCE inflation objective as a “firm, fixed target,” stressed that price stability is not automatic, and reiterated that short-term interest rates are the Fed’s predominant policy tool. He also argued that broad financial conditions are difficult to characterize as restrictive and said inflation remains the side of the dual mandate requiring the Fed’s predominant attention. Warsh deliberately avoided promising a September move, preferring a rules-based “discipline” to explicit forward guidance. The Treasury market delivered the clearest reaction. The 2-year yield surged 11.8 basis points to 4.348%, while the 10-year climbed roughly 5 basis points to 4.721% and the 30-year finished around 5.207%. Fed-funds futures moved the probability of a September quarter-point increase to roughly 58% from about 35% the previous day. The much larger move in the 2-year than in the long end produced a bear-flattening signal: investors increased expectations for near-term Fed tightening without dramatically increasing long-run inflation compensation. Consumer sentiment simultaneously weakened, highlighting the tension between the Fed’s inflation problem and household purchasing power. The University of Michigan’s final August sentiment index fell to 51.7 from 55.2, with current conditions declining to 51.9 and expectations to 51.5. Year-ahead inflation expectations eased to 4.0% from 4.2%, while long-run expectations stayed at 3.3%. Consumers therefore see some moderation in inflation ahead, but confidence remains deeply depressed because prices are still expected to rise faster than households would like. Marvell became the session’s clearest demonstration that excellent AI fundamentals can still be insufficient when expectations are extreme. $MRVL reported quarterly revenue of about $2.74 billion, up 37%, adjusted EPS of $0.94, and Data Center revenue growth of 46%. Management guided the following quarter to approximately $3.15 billion of revenue and $1.10 EPS and raised longer-term revenue expectations. Yet the shares fell sharply because investors wanted the Google custom-chip opportunity to contribute materially sooner than management indicated. The market was not questioning AI demand; it was questioning how much future success was already embedded in Marvell’s valuation. Nvidia was pulled into the same valuation reset only one day after its spectacular post-earnings rally. $NVDA fell 4.57% on Friday after surging 8.7% Thursday following its blockbuster results. No material deterioration in Nvidia’s operating outlook emerged during the session; rather, the combination of higher Treasury yields and Marvell’s negative reaction encouraged investors to take profits across expensive AI infrastructure names. The episode reinforces an increasingly important distinction: AI demand remains extraordinary, but the required earnings surprise is becoming extraordinary too. Workday delivered the opposite verdict and strengthened the case that enterprise software can monetize agentic AI directly. $WDAY rose about 5.8% after reporting $2.649 billion of revenue, up 12.8%, and subscription revenue of $2.471 billion, up 13.9%. AI contributed more than 25% of new annual contract value, while more than 5,500 customers were using at least one Workday AI agent. Management lifted fiscal-2027 subscription-revenue guidance to $9.94–$9.95 billion and raised its non-GAAP operating-margin outlook to 31%. Gap produced one of the strongest consumer-stock reactions of the day despite highly uneven performance across its portfolio. $GAP finished roughly 13% higher after earnings exceeded expectations and management raised its annual profit outlook. Total company revenue fell 2%, but comparable sales at the Gap brand surged 10%, while Old Navy comps fell 4% and Athleta dropped 12%. The stock’s reaction showed investors focusing on improving profitability, the strength of the core Gap turnaround and management’s decision to install Michael Francis as Old Navy’s next CEO rather than on the weak consolidated top line. PayPal suffered the session’s largest event-driven corporate collapse. $PYPL fell 12.71% to $53.66 after reports that Stripe and Advent International abandoned acquisition discussions. The proposed consortium had reportedly considered a transaction valuing PayPal at more than $53 billion, but the talks failed to produce an acceptable bid. The stock immediately lost the takeover premium that had accumulated around the speculation and returned investors’ attention to the more difficult question of PayPal’s standalone competitive position. Elastic delivered one of the cleanest software earnings wins of the session. $ESTC surged roughly 17% after fiscal-Q1 revenue increased 15% to $478 million, adjusted EPS reached $0.70, current remaining performance obligations rose 21% to $1.153 billion, and adjusted free cash flow reached $143 million. Elastic also improved its outlook. Combined with the strong recent results from Salesforce, Workday, Okta and CrowdStrike, the report weakens the narrative that generative AI will simply destroy incumbent enterprise-software economics. In several areas, AI is instead increasing search, observability, security and data-management demand. Affirm provided a second important corporate growth signal, although its intraday rally largely evaporated by the closing bell. Fiscal-Q4 revenue increased 33% to $1.17 billion and gross merchandise volume surged 36% to $14.1 billion, while fiscal-2027 GMV guidance exceeded $64 billion. The stock traded sharply higher during the session but ultimately closed only 0.35% higher at $77.76, a useful reminder that even powerful earnings momentum is being subjected to aggressive profit-taking in the current valuation environment. Oil, gold and volatility together showed that Friday was a monetary-policy repricing rather than a broad flight from risk. WTI slipped 0.2% to $83.40, while October Brent declined 0.4% to $89.31; for the week they fell 4.2% and 5.4%, respectively, as alternative Gulf export routes reduced fears of an immediate supply squeeze. December COMEX gold settled at $4,529.90, down $134.10, or about 2.9%, on the day as the jump in Treasury yields punished non-yielding assets. Meanwhile, the official Cboe VIX actually fell 0.55% to 14.43, confirming that investors were repricing rates and individual stocks rather than buying broad equity crash protection. The signal: Friday’s market was fundamentally about the price of money, not the disappearance of growth. Warsh materially changed the near-term policy distribution. A jump in September hike odds from roughly 35% to around 58% is economically more important than the S&P 500’s quarter-percent decline. The 2-year yield’s 12-basis-point surge confirms that investors now see a substantially greater chance of another policy tightening move. At the same time, the long end moved much less aggressively. That matters. The curve’s bear flattening suggests that Warsh’s credibility on inflation may actually have reduced some long-run uncertainty even as it increased the expected near-term policy rate. The immediate valuation problem for equities is therefore higher-for-longer short-term financing costs, not an uncontrolled long-term inflation spiral. Corporate results remain far more constructive than the index close implies. Workday, Elastic and Gap delivered strong positive reactions, while Marvell and Nvidia fell despite powerful underlying AI fundamentals. The distinction is increasingly about expectations versus delivery: investors are rewarding incremental upside that was not already priced and punishing companies where extraordinary future growth has already become the base case. The consumer remains divided rather than collapsed. Michigan sentiment is weak and inflation anxiety remains elevated, yet Gap’s turnaround and Affirm’s transaction growth show that households are still spending selectively. That is a harder environment for companies because broad consumption growth can no longer hide weak execution. The next decisive test is labor. July JOLTS arrives Tuesday, September 1, and the August Employment Situation arrives Friday, September 4 at 8:30 a.m. ET. A firm payroll and wage report would reinforce Warsh’s case for another hike; a material downside surprise would reopen the argument that the Fed should tolerate inflation somewhat longer rather than risk overtightening into a weakening labor market.

  • SimonSoundz
    Simon Moz (@SimonSoundz) reported

    @adelahub Another pre-sale won't fix anything. I've tried the album pre-order pre-sale, Telekom pre-sale, PayPal pre-sale, all for nothing. 🙃 Something needs to change in the system.

  • LightningNewsX
    Lightning News (@LightningNewsX) reported

    Bitcoin’s payment history is full of moments that look completely unhinged in hindsight. Here are five of the wildest historic examples of it actually being used to buy real things. 1. Two Papa John’s pizzas for 10,000 BTC (May 22, 2010) 
Programmer Laszlo Hanyecz posted on Bitcointalk offering 10,000 bitcoin for two large pizzas. Jeremy Sturdivant took him up on it, ordered from Papa John’s, and delivered them. At the time the coins were worth roughly $41. That single transaction is widely recognized as the first real-world commercial purchase with Bitcoin. Hanyecz kept the offer open for months and later said he spent tens of thousands more BTC on pizza that year. Those original 10,000 coins are now worth well over a billion dollars. Bitcoin Pizza Day is still celebrated every May 22. 2. Alpaca wool socks for 75 BTC a pair (February 2011) 
A small family farm in Haydenville, Massachusetts—Grass Hill Alpacas—became one of the first merchants to accept Bitcoin after the owner’s son convinced his parents. They charged 75 BTC per pair of socks (Bitcoin was still under a dollar). Orders came in from around the world; even lead developer Gavin Andresen bought some. Within months the price of Bitcoin rose so fast they slashed the sock price to 5 BTC. Those original 75-BTC pairs would later be worth millions. The humble alpaca became an unofficial early Bitcoin mascot. 3. Crossing the United States living only on Bitcoin (April–June 2011) 
A Bitcoiner known as Plato (TheRealPlato) drove from Connecticut to California without spending a single U.S. dollar. Bitcoin was around $1–$2 and almost no businesses accepted it. He relied on forum members, in-person trades, and people willing to buy him gas or food and accept BTC in return. He documented the trip on a blog and Twitter using the hashtag #BitcoinRoadTrip. It was one of the earliest real-world tests of whether Bitcoin could function as actual money when almost nobody treated it that way. 4. WikiLeaks surviving a financial blockade with Bitcoin donations (June 2011) 
After WikiLeaks published classified U.S. diplomatic cables, Visa, Mastercard, PayPal, and others cut off donations, wiping out an estimated 95% of its revenue. The organization started accepting Bitcoin. Satoshi Nakamoto publicly warned that the attention could be dangerous for the still-tiny network (“WikiLeaks has kicked the hornet’s nest”). Donations still flowed—more than 4,000 BTC over the following years. It became one of the first high-profile demonstrations that Bitcoin could work as censorship-resistant money when traditional payment rails were shut down. 5. A Hawaiian flight attendant buys a ticket to space with 350 BTC (November 2013) 
Richard Branson announced that Virgin Galactic would accept Bitcoin for its $250,000 suborbital flights. The first customer was a flight attendant from Hawaii who paid the full fare in bitcoin—about 350 BTC at the time. Branson converted the coins to dollars immediately to lock in the price. It was the first known purchase of a spaceflight ticket with cryptocurrency and a surreal snapshot of how quickly some early holders were willing to spend their coins on once-in-a-lifetime experiences. These were creative, small-scale, often improvised payments that happened when Bitcoin was still a curiosity. But the important thing is this: the payments settled on an immutable ledger that’s verified by the public and no intermediary was required.

  • elprez365
    Elprez365 👽 (@elprez365) reported

    @BestBallJunkie @Underdog I used paypal this morning no issues

  • CaptTriage
    CaptTriage (@CaptTriage) reported

    OK, hear me out. The next directional Moderna esque arbitrage play will be Musk throwing down the gauntlet and putting in an offer for PayPal. Chances are this won’t happen but wouldn’t that be something. PYPL MRNA

  • stevestappen
    saph 🦄 (@stevestappen) reported

    @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)

  • stevestappen
    saph 🦄 (@stevestappen) reported

    @verstarppens 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)

  • teechongyen
    The stock broker investor (@teechongyen) reported

    @bols_daniel For PayPal to work as an investment, u only need these people who are slow to change to keep using PayPal/venmo for 8 more years. 8 years of constant FCF, PayPal is free.

  • IdaraImeh
    Odogwu Herself (@IdaraImeh) reported

    Look at the timeline and something clicks. May 2025, Coinbase drops x402 so agents can pay per request. September 2025, Google launches AP2 with over 60 partners including Mastercard and PayPal. January 2026, ERC-8004 hits Ethereum mainnet, almost 39,000 agents register in 90 days. May 2026, @Concordium’s Agent Registry goes live. June 2026, Proof introduces x401 to handle identity proof. That's five major pieces of agent infrastructure landing across just over a year, and the gaps between them keep shrinking. Payment, identity proof, runtime management, persistent registry, verified human anchor, each one built by a different team without waiting for the others to finish first. Nobody planned one unified system. It's assembling itself in public, piece by piece, weeks apart instead of years apart. That pace alone tells you something about how seriously the industry is taking this problem right now.

  • vvinterorange
    vvinterorange art ♦️ (@vvinterorange) reported

    @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

  • elpinguinofrio
    CryptoPenguin 🐧 (@elpinguinofrio) reported

    @Adiofreak If you still use PayPal, like feel sorry for you. You're just part of a problem.

  • hackwithshubham
    Shubham Mali (@hackwithshubham) reported

    Received my first bug bounty reward as a security researcher, but PayPal has now placed a permanent limitation on my account. I’ve already completed KYC and submitted all the requested documents. @PayPal @AskPayPal Please look into this and help resolve the issue.

  • pinkeomii
    ari 🫧 (@pinkeomii) reported

    came to the conclusion that it is my cards and not my paypal cuz it wouldn’t let me use another app either so if it’s still not working by the time i wake up ill contact my bank AGAIN

  • alphai_io
    AlphAi.io (@alphai_io) reported

    @SpecialSitsNews The bid was $60.50 a share and PayPal closed at $61.47, above it, which is what let the board call the offer inadequate. The premium being marked down this morning was already gone yesterday. Only after today's fall does $PYPL trade below that bid. Per the Bloomberg report.

  • itZen00
    Zen (@itZen00) reported

    visa just tightened the number that can freeze your store. most sellers have no idea it moved. the numbers: 1. visa's threshold dropped to 1.5% this year 2. stripe caps around 0.5% 3. shopify payments and paypal sit closer to 1% your real danger line is probably tighter than whatever you've been told. cross it and you're not getting a warning. you're getting: - a reserve hold on 20% of payouts - or a full shutdown while the money you already made sits frozen. the fix isn't clever, it's boring: 1. respond to every support ticket inside 12 hours 2. run every ad claim through one test — would this survive your own mother reading it most flags trace back to one of those two. not the product.

  • de4ek
    Derek Steeble (@de4ek) reported

    @PayPal the new app is ‘clean’ but dumb. Wtf do I have to scroll the top row to see the balance of each account? They are not visible at all glance anymore. wtf? Those cells do not need to be that big. Fix it.

  • cadburycapital
    Cadbury Capital Investments (@cadburycapital) reported

    Daily Brief (28 August) 1. PayPal ($PYPL ): reports that the Advent/Stripe consortium walked away from takeover talks sent shares plunging as much as 14%. Although some analysts flagged factors that could support a rebound, I am always going to call it the beautiful PainPal. 2. Marvell ($MRVL ) posted a strong quarter but shares fell as much as 8% and headed for their worst day in a month, with investors fixated on delayed timing of the Google AI deal revenue. 3. Fed rate-path uncertainty spiked after Kevin Warsh's hawkish comments pushed hike odds higher, turning the September decision into a coin flip. Market went green regardless but it did not sustain that long and we saw a delayed reaction to Fed’s comments. 4. Retail earnings were mixed but skewed positive: Gap/Old Navy parent $GAP jumped as much as 15% on an 11th straight quarter of comp-sales growth, while Walmart ($WMT ) quietly settled a federal opioid lawsuit without disclosing terms. Good news for $GAP is good news for $ZETA 5. Software seems officially back. Autodesk ($ADSK) raised guidance on strong Q2 revenue growth and Salesforce ($CRM) jumped on a Q2 beat, while Rubrik ($RBRK) sold off as investors questioned its results. 6. Amazon ($AMZN) gained about 4% after Evercore argued agentic AI could boost its retail growth outlook. 7. Eli Lilly ($LLY) got an FDA nod expanding Mounjaro's use for heart risk reduction. 8. Take-Two ($TTWO) landed a Netflix tie-in ahead of GTA VI. Netflix servers went down briefly as gamers flooded to watch the trailer. RATE HIKE and VIX SPIKE MIGHT BE COMING FOR US THIS SEPTEMBER.

  • biscoffoats12
    indie🐈‍⬛ is in forced recov💔 (@biscoffoats12) reported

    depop and PayPal are so useless I have issues with payment every time, I bought those shoes and got charged $170 TWICE but the seller hasn't even got my payment on PayPal? it's so hard to file a dispute and you have to wait ages to hear back wtf I'm not buying from depop anymore

  • aydinasuh
    Aydın Nasuh (@aydinasuh) reported

    @ZidaneZ08902030 @ShubHQcom Neither, from what I can see, and that is the part that surprised me. My scoring tags sentiment per mention, not the reason, so I cannot give you a clean split. But I can check whether payments show up as a problem theme at all, and they do not. This week's e-commerce themes are unfair reviews, Meta Ads instability, account suspensions, dropshipping quality, margin pressure. Cumulatively it is shipping, inventory, ad costs, tax, account holds, chargebacks. No payments theme anywhere. Meanwhile Stripe has 130 mentions and PayPal 143. So payment tools never become the subject of a post. They get mentioned inside a post about something else, usually when a payout is held or a chargeback lands. That is what 65 percent neutral and zero percent positive actually looks like. Nobody writes about their processor. They write about the thing that went wrong around it. Your question exposed a real gap though. Reason tagging is going on the list.

  • SueWallSt
    SueWallSt (@SueWallSt) reported

    🔻 DROP DESK: $PYPL PayPal said $53 billion wasn’t enough. Now it might get nothing. Shares are down ~14%+ this morning after Advent and Stripe reportedly walked away from a potential takeover. The group had offered $60.50 per share, valuing PayPal at roughly $53 billion. PayPal’s board thought the price was too low. The problem? Shares had already climbed nearly 30% after takeover reports surfaced. Now the buyer is gone. For context, PayPal was worth roughly $360 billion at its 2021 peak. The abandoned offer valued it at about $53 billion. That’s one hell of a reset. Stocks don’t drop for no reason.

  • SerlyFilya
    Cadillac Ceryss #smokefleet #nafo (@SerlyFilya) reported

    @ooyanggy 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.

  • senb0n22a
    Senb0n22a (@senb0n22a) reported

    @mattlovesjenni i only hate them when they intercept your normal login and try to apply one every goddamn time you try to login. e.g. paypal & microsoft, leave me tf alone, i login with password and that's all I want to do.

  • deemancpa
    Deeman trades (@deemancpa) reported

    $PYPL part 2 Business is fine — rev +8%, FCF +179%, 10x earnings, 12% FCF yield. What vanished overnight was the $60.50 buyer. Now the market has to value PayPal on its own: a slow-growth, shrinking-take-rate payments co with a 5-month-old CEO and Apple/Stripe/Visa eating share. Bulls: ~7x FCF for Venmo + PayPal brands is Business is fine — rev +8%, FCF +179%, 10x earnings, 12% FCF yield. What vanished overnight was the $60.50 buyer. Now the market has to value PayPal on its own: a slow-growth, shrinking-take-rate payments co with a 5-month-old CEO and Apple/Stripe/Visa eating share. Bulls: ~7x FCF for Venmo + PayPal brands is cheap. Board said no because they think it’s worth more. Bears: 3-month rally was pure deal premium. Pre-bid price was mid-$40s. $47 support, then $38. Translation: no floor from a buyer anymore. The turnaround has to prove it. Not financial advice. . Board said no because they think it’s worth more. Bears: 3-month rally was pure deal premium. Pre-bid price was mid-$40s. $47 support, then $38. Translation: no floor from a buyer anymore. The turnaround has to prove it. Not financial advice.

  • SoftBunnyHouse
    SOFTBUNNYHOUSE +16 (@SoftBunnyHouse) reported

    @Charlie088571 @YellowBunFeet Besides, towards the end of my NSFW trayectory, I lost my payment methods due to some stupid PayPal issue, and well, I had even less desire to continue. As I said before, it was a hobby, not a passion.

  • Morpheu5Watcher
    Morpheu5 Stock Watcher (@Morpheu5Watcher) reported

    THE BUYERS LEFT. PAYPAL $PYPL FELL WITH THE SALE PRICE: PayPal PYPL at $53.66, -$7.81 / -12.7% today. Two groups who said they might buy the whole company walked away, and the extra price that bet was carrying disappeared in one day. THE LEMONADE STAND You run a lemonade stand. A bigger lemonade company and a rich grown-up tell everyone they will buy the WHOLE stand. They name a price: $60.50 for each piece. Other kids start paying $61 for a piece, because a sale at $60.50 is already on the table and maybe someone pays more. Then the buyers say never mind. Nobody puts a new offer down. A piece is now worth what kids will pay for the lemonade itself, not for a sale that is not happening. That is today. WHAT REALLY HAPPENED On July 15, Reuters reported that Stripe, a privately held payments company, and Advent International, a firm that buys whole companies, had offered $60.50 a share - about $53B for all of PayPal. The stock went $47.37 to $55.52 that day: +$8.15 / +17.2%, on 91.0M shares. Thursday it closed at $61.47, still a little above the bid. Thursday night Bloomberg reported, citing people it did not name, that Stripe and Advent had dropped the pursuit. PayPal, Stripe, and Advent each declined to comment. The Wall Street Journal had already reported that PayPal's board found $60.50 too low. Friday opened at $53.74, touched $52.62, and settled at $53.66. That is -$7.81 / -12.7% on 36.0M shares against Thursday's 9.2M, about four times that day's volume. The S&P 500, the 500-company average most retirement accounts track, closed at 7,711.76, -19.23 pts / -0.25%. One canceled sale is loud. The average is not. A share is still above the $47.37 it fetched the day before anyone mentioned a bid. The extra for the sale left. The stand did not. WHAT THE STAND ACTUALLY SOLD PayPal runs the checkout button on websites, plus Venmo and Braintree. San Jose. Enrique Lores is chief executive. The last report, July 28, covering the three months ended June 30: - Total payment volume - the dollars that moved through its buttons: $486.4B, +10%. - Sales, money coming in the door: $8.68B, +5%. - Transaction margin dollars - the money it keeps after the cost of moving a payment: $3.9B, +1%. - Profit per share, the profit split across every share in existence: $1.25 on the strict count, -3%; $1.38 with some items set aside, -1%. Volume grew ten times faster than the cash kept. That is the lemonade, and it was true before anyone named $60.50. WHERE IT SITS PayPal is 40th of 48 on the Quality-Value Len5, the style that hunts a durable business at a fair price. The fair-price half is loud at about 10 times the last year of profit - ten dollars of share price for each dollar earned. The durable half is that July 28 gap: 10% more dollars moving, 1% more cash kept. It also bought back $1.5B of its own stock in that quarter, about 33 million shares, which raises every remaining owner's slice. The gap closing would firm the read. Another quarter of volume outrunning the cash-kept line by that much would break it. A 12.7% drop after an unsigned offer dies is the opposite of a breakout on the company's own news. WHAT A CURIOUS GROWN-UP CAN WATCH Whether PayPal, Stripe, or Advent puts the walk-away in their own words - none of the three has - and whether the next quarter's cash-kept line grows any closer to that 10% volume pace. Not investment advice.

  • crimsonmarketer
    Uthman Abdulmugni (@crimsonmarketer) reported

    @alexlay88 That 9% is an easy fix most stores skip, Shop Pay, PayPal, and a BNPL option covers nearly every preference bucket. The harder chunk to solve is the abandonment that isn't payment related at all, unexpected costs revealed at the final step. Both are checkout problems, but only one gets fixed by adding a button.

  • compsciman
    Compsci Guy🇺🇲 (@compsciman) reported

    @linuxuser1996 Enable protection compatibility. Then temporarily set your password manager to none. Open PayPal. Login. Set your password manager back to the previous value. Close PayPal. Verify that you can open it again