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 (34%)
• Website Down (21%)

Live Outage Map

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

City	Problem Type	Report Time
Paris	Sign in	31 minutes ago
Marseille	Website Down	2 days ago
Derby	Errors	3 days ago
New York City	Sign in	3 days ago
Rennes	Sign in	3 days ago
Bayeux	Website Down	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:

• 
  TheOriginalKhutso🇿🇦 (@OriginalKhutso5) reported 6 minutes ago

  @MasterBolaji Nigerians and no sense of accountability,you used to say the same about Shoprite. Even tiktok or PayPal had problems in Nigeria doing well in other countries but Nah Nigerians are not the problem

• 
  Derek Ashauer (@DerekAshauer) reported 10 minutes ago

  Claude just paid for itself today... Found a bug in my store. A "30% off your first year" code was taking 30% off every year, forever. Claude found 2 other codes had the same problem. Gave Claude read access to my WP install over SSH plus temporary Stripe and PayPal keys. It found all affected subscriptions across both processors, cross-checked what the gateways were actually billing against what my database thought, and fixed each one. $1,782/year recovered. About 30 minutes once I knew something was wrong. Doing that by hand across two payment processors would have eaten my week.

• 
  세카르 | Sekhar (@D_Sekhar_14) reported 12 minutes ago

  I was invited to a server on Discord that I knew absolutely nothing about. The server is called 'Eboost', and it sells things like Discord Nitro, skins and in-game items. I’ve already purchased a one-year subscription to Discord Nitro, and as all payments are made via PayPal, it’s a server I have no use for. However, one day, the Eboost server was suddenly reported to Discord on suspicion of ‘fraud’, and my account was temporarily suspended simply because I had inadvertently joined that server. How am I to be compensated for the damage caused—such as the suspension and the flags attached to my account—by the server owner’s negligence on a server where I wasn’t even active? I’ve lodged an appeal, but Discord simply keeps repeating the same 'AI-automated-macro' response. And this isn’t the first time this has happened. Are people really expected to use Discord whilst factoring in the probability that a server owner might cause problems? It’s utterly unfair. 😡😡 @discord @discord_support @DiscordBuild

• 
  Nikolas Spiridakis (@nikolasspyr) reported 12 minutes ago

  @linuxuser1996 Paypal app is just terrible, nothing to do with Graphene OS

• 
  Abyssmal Serenity (@Spike_1567) reported 13 minutes ago

  @Ronaldo7trades @khoiuna They should imo be focusing on improving branded checkout. That’s their main issue rn. Most analysts main issue with PayPal is on branded checkout

• 
  violeta ⋆˚꩜｡ findom (@princessvioltt) reported 14 minutes ago

  @Reckless_Kitten how do you keeo yourself and information safe using paypal and your bank acc? for me its tyhe main issue i have with those

• 
  Ben Po (@bens_report) reported 15 minutes ago

  @LindaRaschke PayPal 4 days pf3 down. Will it at least get a low to high day today? Hahaha

• 
  OsoToro (@SystematicToro) reported 19 minutes ago

  💰+$421.72💰 $FLYE $GPRO $SSM Took out a $9k loan to fund my account, $8.5k got deposited after PayPal fees. Only taking system trades and not going stupid size so I don't blow up. I can't afford to lose this money and pay the payment on it. Slow start on the first day, unfortunately $SSM and $FLYE ramped back EoD otherwise would have been a great start. Previous Account Size: $8,500.53 Current Account Size: $8,922.25

• 
  HypaValley | Algorithmic Trading (@HypaValley) reported 21 minutes ago

  PYPL -14% over two sessions as Stripe/Advent walk away from $53B bid PayPal fell 12.71% on Friday, Aug. 28, when the walkaway news broke, then another 1.85% on Monday, Aug. 31. Cumulatively, that’s roughly 14.3% from Thursday’s close through Monday’s close as Bloomberg News reported that payment processor Stripe and private equity firm Advent International have abandoned their planned $53 billion acquisition of the fintech giant. Stripe and Advent had previously offered $60.50 per share; talks broke down after the bidders and PayPal's board failed to agree on a higher valuation. The collapse leaves PayPal to pursue an independent turnaround under new CEO Enrique Lores amid intensifying competition from digital payment platforms and slower organic growth. The drop erases months of deal-related gains and forces investors to reassess PayPal's standalone operational progress and profitability outlook. Two investment banks have slashed price targets in response, with Mizuho cutting its target to $51 and Loop Capital to $50, both citing competitive pressures and execution risk. Investors should monitor whether PayPal management explores alternative strategic options or accelerates its cost restructuring to restore investor confidence. #PYPL

• 
  ˚ʚ♡ Euphoria Li ♡ɞ˚ 🦋🌙🏮 (@Euphoria_LiVT) reported 23 minutes ago

  @JimManahan Receiving payments restricts your account. If you use PayPal for purchases meaning money going out from your linked cards, then there's no problem. Receiving payments from clients is a different discussion, especially when your account is new.

• 
  Odogwu Herself (@IdaraImeh) reported 23 minutes ago

  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.

• 
  WinterBerry (F.Ibe), Esq.™️ (@ButterBabe__) reported 23 minutes ago

  @DwinTheStoic I have always known Uber to be a terrible seevice, terrible consumer app, terrible company. They are no different from likes of PayPal. Uber is terrible normally and I say this as someone who have patronised them in major countries.

• 
  A.M. (@steelballrunner) reported 24 minutes ago

  Crap, do I HAVE to submit some kind of photo ID to get my new Stripe/Kofi account to work? I said no to that for two whole years and my old Paypal account got shut down last week.

• 
  Briteworx👻👽 (@briteworx_arts) reported 25 minutes ago

  not to mention that 5-7$ gets immediately eaten by Ko-fi and PayPal fees on top of taxes and stuff I'm not working for pennies so you can still act ungrateful as hell

• 
  Unseen Damage (@D_Pineda85) reported 26 minutes ago

  @CardsJakes I called both PayPal and Venmo because I noticed the recipients for opposite platform were not being found anymore. They submitted a ticket to IT because there was no know issue.

• 
  Sagzee (@IAmSagzee) reported 27 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

• 
  RINGO🔞 (@ringo6678) reported 29 minutes ago

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

• 
  Aquila (@LeoAquila_) reported 38 minutes ago

  @TheRealCalvin19 @WhisperMute First I gotta fix my paypal, which is hard because paypal sucks 🙃

• 
  mel (@popodysseytour) reported 38 minutes ago

  @cccatalina_ dw i figured once i got the whole spiel about their paypal not working lol

• 
  Dada Goober (@goobertstan) reported 38 minutes ago

  @jiwoolover6091 I’m sorry jay, I tried logging in through my old PayPal acc AND making a new account😔😔😔 I think it’s a country issue

• 
  Morpheu5 Stock Watcher (@Morpheu5Watcher) reported 38 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.

• 
  Kyle Harrison (@kwharrison13) reported 40 minutes ago

  Maybe. Maybe you'd be fine without data centers. But let me ask you this. Do you use credit cards, debit cards, tap-to-pay, gas pumps, vending machines, parking meters, parking apps, ATMs, online banking, mobile banking, mobile check deposit, Zelle, Venmo, PayPal, Cash App, Apple Pay, Google Pay, splitting a dinner bill, autopay on your bills, payroll that isn't a paper check, direct deposit, digital 401(k), Robinhood, Coinbase, credit score checks, loan applications, mortgage applications, car loan approval at the dealership, insurance quotes, filing an insurance claim, e-filing your taxes, gift cards, store loyalty accounts, digital coupons, rebates, buy-now-pay-later, tipping on a screen, email, text messages, iMessage, WhatsApp, Signal, group chats, voicemail transcription, spam call blocking, FaceTime, Zoom, Google Meet, Discord, Slack, video calls with grandparents, phone number lookups, checking your data usage, paying your phone bill, two-factor codes, push approvals to log in, password managers that sync, "sign in with Google," resetting a forgotten password, digital IDs in your wallet app, gym check-in apps, apartment smart locks, hotel keys on your phone, office badge apps, patient portals, seeing your test results, booking a doctor's appointment, telehealth visits, prescription refill requests, the pharmacy knowing what you're on, insurance verification at the front desk, prior authorization, continuous glucose monitors, insulin pump apps, remote pacemaker checks, CPAP data reports, hearing aid apps, therapy apps, period trackers, fertility trackers, medical alert buttons for elderly parents, symptom checkers, finding an in-network doctor, the weather app, radar, hurricane warnings, tornado warnings, flood alerts, earthquake early warning on your phone, wildfire maps, smoke maps, air quality, pollen counts, Amber alerts, emergency alerts, road closure info, Google Maps, Apple Maps, Waze, live traffic, rerouting around a crash, transit apps, real-time bus and train arrivals, tapping your phone to ride the subway, Uber, Lyft, rental car reservations, Turo, bike share, scooter share, EV charging networks, paying for a charge, phone-as-car-key, remote start, finding your parked car, over-the-air car updates, in-car navigation, in-car voice assistants, stolen vehicle tracking, road trip planning, booking flights, checking in for a flight, mobile boarding passes, seat selection, flight status, rebooking after a cancellation, bag tracking, TSA PreCheck lookups, airport wifi, booking hotels, Airbnb, Vrbo, checking into a hotel, cruise bookings, theme park tickets, ride reservations, airline miles, hotel points, currency conversion, Amazon, all online shopping, order tracking, delivery notifications, returns and exchanges, price checks in-store, self-checkout, store apps, curbside pickup, Instacart, DoorDash, Uber Eats, ordering ahead at a restaurant, OpenTable, Resy, waitlist texts, QR code menus, tipping on delivery, subscription boxes, eBay, Etsy, Facebook Marketplace, Craigslist, Poshmark, StockX, Ticketmaster, StubHub, getting into a concert with a phone ticket, Alexa, Siri, Google Assistant, smart thermostats, video doorbells, security cameras, alarm monitoring, smart locks, smart lights, robot vacuums, garage door openers, baby monitors, pet cameras, automatic pet feeders, GPS pet collars, smart sprinklers, smart fridges, app-connected air fryers, cloud printing, printer ink subscriptions, routers you manage from an app, checking if you left the stove on, iCloud, Google Photos, every photo you've taken in ten years, Dropbox, Google Drive, OneDrive, shared albums, phone backups, setting up a new phone, notes apps, calendars, contact syncing, reminders, to-do apps, document scanning, e-signing a lease, Netflix, YouTube, Hulu, Disney+, Max, Prime Video, Twitch, cloud DVR, on-demand cable, Spotify, Apple Music, podcasts, audiobooks, Kindle books, library ebook borrowing, online multiplayer games, matchmaking, cloud saves, game downloads, game patches, single-player games that phone home for a license check, Steam, PlayStation Network, Xbox Live, Nintendo Online, Roblox, Minecraft servers, fantasy football, sports scores, sports betting apps, movie tickets, Google search, Wikipedia, ChatGPT, Claude, every other AI app, Instagram, TikTok, Facebook, X, Reddit, LinkedIn, Snapchat, Pinterest, dating apps, Yelp reviews, Google reviews, news sites, Substack newsletters, blogs, forums, checking if a business is open, looking up a phone number, recipes, translation apps, Duolingo, Google Docs, Sheets, Gmail, Outlook, Microsoft 365, Teams, Notion, Figma, Canva, shared calendars, scheduling links, VPNs into work, remote desktop, timeclock apps, shift scheduling apps, requesting time off, expense reports, job applications, LinkedIn recruiters, video interviews, Canvas, Blackboard, checking your kid's grades, school lunch accounts, attendance notifications, online homework, Khan Academy, Coursera, FAFSA, student loan portals, tutoring apps, Fitbit, Apple Watch health data, Strava, Peloton, sleep tracking, smart scales, calorie tracking, meditation apps, workout apps, DMV appointments, renewing your license online, paying a parking ticket, jury duty portals, checking your property tax bill, utility accounts, outage maps, paying rent through an app, HOA portals, storage unit access codes, wedding registries, baby registries, funeral arrangements, Ancestry, 23andMe results, church livestreams, volunteer signups, or GoFundMe? If you said yes to ANY of those then you do, in fact, NEED data centers.

• 
  ULTRAZINE (@UltraKillZine) reported 40 minutes ago

  ❗WE ARE CURRENTLY HAVING ISSUES PROCESSING PAYPAL PAYMENTS! THIS WILL BE FIXED SHORTLY. WE WILL PROVIDE A STATUS UPDATE ON ALL PLATFORMS ONCE IT IS WORKING AGAIN.

• 
  saph 🦄 (@stevestappen) reported 47 minutes ago

  @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)

• 
  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.

• 
  Potat0 (@PoPaP0) reported 49 minutes ago

  RANT Why must PayPal hate new accounts. I just created a business account confirm if my account is good, costumer support said yes. Proceeds to hammer me with money stuck there for days. Doesn't even tell you what's the main problem. Man this sht sucks.

• 
  Richa K (@richakakw) reported 54 minutes ago

  Hi PayPal⁠ Support, I’m facing an issue with a payment on my PayPal UAE account and need assistance from your support team. Could someone please help me resolve this or guide me to the appropriate support staff? Thank you! @PayPal_Open @PayPal @AskPayPal

• 
  Radim Hernych (@hernych) reported 1 hour ago

  Is it just me having this problem with @PayPal ? Historically, Ybug has been accepting EUR payments via PayPal. Back then, it seemed like a great idea with "free" withdrawals to a bank account, right? Big mistake. Turns out PayPal refuses to withdraw funds in any currency other than your company's local currency (CZK for a Czech-based company). And of course, they charge a massive currency conversion fee to do so. Since I don't want or need these funds in CZK, my money is effectively trapped. Anyone else in the same boat?

• 
  cukinia (@wetfatrat) reported 1 hour ago

  @0KULTRA__ unfortunately these are closed for now because of paypal issues </3

• 
  Max Ross Linden (@MaxMayHemer) reported 1 hour ago

  Everything loose unless noted. Prices do NOT include shipping, add $5 to $10 per figure depending on size. Buying more than one? I'll quote you combined shipping, US Only. PayPal Goods and Services only. - SS86-12 Coronation Starscream (Leader) - $45. Complete with cape, crown, shoulder pauldrons, both sets of null rays, instructions. No throne/backdrop. - ER Voyager Thundercracker - $28. Complete, instructions included. - ER Voyager Skywarp - $28. Complete, instructions included. - All three Seekers together - $95 - Buzzworthy Bumblebee SS86 Ironhide & Prowl 2-pack - $35. Both figures, all weapons, instructions. No blast effects. - Netflix WFC Bumblebee - $32. Complete with instructions. - Netflix WFC Bumblebee - $32. Complete with instructions. - TLK Voyager Optimus Prime - $25. Complete with sword and shield, plus a custom head. One antenna on the custom head is broken, pictured. - TR Deluxe Sky-Byte - $22. Complete, no manual. - TR Legends Cosmos - $14. Figure and instructions. - CW Legends Groove - $10. Figure, collector card, manual. - SS B-127 - $10. Door panel is detached. Repair or parts, priced accordingly. - TR Legends Seaspray - $8. Figure and gun. Entire lot: $200 plus actual shipping.