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 (44%)
• Errors (35%)
• Website Down (21%)

Live Outage Map

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

City	Problem Type	Report Time
Ciudad López Mateos	Errors	2 days ago
Anglet	Sign in	2 days ago
Hamburg	Sign in	3 days ago
Medina	Website Down	3 days ago
Leganés	Errors	4 days ago
Melbourne	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:

• 
  Solemn Bhoi (@waseemm09) reported 3 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.

• 
  jinowns (@Jinowns87) reported 7 minutes ago

  Here's another neat trick I do every year. If you have paypal, you can break down the entire cost into 4 payments. Meaning you pay 25% percent now while PayPal pays the merchant the entire amount and then you can make payments every 2 weeks. Doooo iiiittttt!!

• 
  GrapheneOS (@GrapheneOS) reported 12 minutes ago

  @JKhrushche10538 @linuxuser1996 We already provided a clear solution for the bug recently introduced by PayPal above. If you don't tell us what isn't working then there's no way for us to directly help with it. We can only guess what you're trying to do and what's not set up properly to cause an issue.

• 
  saph 🦄 (@stevestappen) reported 17 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)

• 
  What makes you fail everything in one night (@Sigloland) reported 17 minutes ago

  PayPal, acquisition plan down, there is one way-out for paypal which can save its business.

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  daily hamefura (@HAMEFUR4) reported 21 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 👇

• 
  ᴅɪᴠɪɴᴇ ᴛʜᴏᴜɢʜᴛ ™️ ⟁ (@DivineThoughtTM) reported 21 minutes ago

  I'm in a real bad spot. I hate trauma dumping.. I've been taking care of elderly family member while I've been dealing with my own health issues. I can't seem to get ahead before another crisis. Any help is more than appreciated and sorry for putting this on your feed 🙏🏻 Venmo: @geekay1 I have a PayPal too

• 
  Morpheu5 Stock Watcher (@Morpheu5Watcher) reported 22 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.

• 
  Unc (@UncSupply) reported 23 minutes ago

  @phantasyftw @phantasyftw I'll paypal you 20 bucks if you tell Joe someone's at the front door and go push the GREEN button on the server rack for us right now.

• 
  Richa K (@richakakw) reported 24 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

• 
  the don of hockey (@don_allain) reported 27 minutes ago

  @Watchdog_MP Here’s a compiled thread list of people named Singh (plus a few immediately adjacent names that appeared on the same boards) and the alleged offences as they were reported in this conversation. This is not an official police roster. Many are charges/allegations, some are convictions, a few were later acquitted or are victims. Duplicates across posts are merged. Drug importation / trucking (Blue Water Bridge & related) •Ranjit Singh — alleged ******* importation, Blue Water Bridge •Charanpreet Singh — convicted of importing 55 kg ******* + 5 kg ******; cut ankle monitor and fled before sentencing •Harinder Singh — charged with importing ******* / possession for trafficking, Blue Water Bridge •Ravinderbir Singh — charged over large ******* seizure; later acquitted •Ravinder Singh Dhanda — alleged U.S.–Canada *******/**** pipeline (Operation Hard Ball); fighting extradition •Gurtej Singh Smagh — same Hard Ball drug-smuggling indictment •Gurpreet Singh (multiple files in the thread) — alleged narcotics / Ryan Wedding network / later FBI wanted in Bhagwanpuria case Extortion / gang violence (Peel, Calgary, Edmonton) •Safaldeep Singh — alleged For Brothers extortion, firearms, drugs; conspiracy to commit murder warrants •Sandeep Singh — For Brothers-related drug/firearm charges •Germanjeet Singh — Calgary extortion series; wanted on firearms warrant •Jaskaran Singh — Calgary extortion / shooting-related charges •Karanbir Singh — Calgary extortion series •Amandeep Singh — Calgary extortion series •Anurag Singh — Calgary extortion series •Sandeep Singh (Calgary board) — attempted extortion charges •Akashdeep Singh — Calgary kidnapping/firearms-related charges •Gagandeep Singh — Calgary extortion series •Pardeep Singh — Calgary kidnapping/firearms-related charges •Taranveer Singh — Calgary kidnapping/firearms-related charges •Ravinder Singh (Surrey/Peel board) — Peel extortion gang •Dilawarpreet Singh — Peel extortion gang •Ajaydeep Singh — Peel extortion gang •Rajan Singh — Peel extortion gang •Jashanbir Singh — Peel extortion gang •Navroop Singh — Peel extortion gang •Mohinder Singh — Peel extortion gang •Mandeep Singh — Peel extortion / also appeared in separate Uber-assault post •Amritjot Singh — Peel extortion gang •Jashanpreet Singh — Peel extortion gang •Sukhwinder Singh — Peel extortion gang •Iqbal Singh Bhagria — Peel extortion gang •Sahibjot Singh — alleged Bishnoi links; deportation order •Karamveer Singh — alleged Bishnoi associate; held in immigration custody Firearms / street crime •Navjot Singh — loaded illegal handgun, Brampton traffic stop; Alberta warrant •Harkomal Singh — same Brampton firearms stop •Jobanpreet Singh — auto-theft toolkit charges; student visa / CBSA warrant •Atish Singh — auto theft, flight from police, assault with weapon •Harwinder Singh — alleged dating-app extortion / confinement / robbery, Brampton •Japinderjeet Singh — Red Deer fentanyl/******* trafficking charges •Ravinder Singh Gosal — same Red Deer drug file; wanted after missing court Fraud / other •Pawanjeet Singh Mann — alleged $4.3M mortgage/cheque fraud; former Brampton lawyer •Balwant Singh — alleged $180,000 elder gold/PayPal scam (New York) •Manjeet Singh — repeat theft case; deportation issues •Jagpreet Singh — convicted of murdering his wife (older case posted in-thread) •Jaskirat Singh Sidhu — Humboldt Broncos crash; dangerous driving causing death FBI / transnational wanted •Gurpreet Singh — FBI wanted, Jaggu Bhagwanpuria group (narcotics / racketeering) •Major Singh — FBI wanted, same Bhagwanpuria group •Amritpal Singh — FBI wanted (Dhanda-linked file in thread) •Harmanveer Singh — FBI wanted •Simranpal Singh — FBI fugitive, later arrested in Moncton •Satinderjeet Singh (Goldy Brar) — alleged Bishnoi lieutenant; U.S. charges including ordering Nijjar killing

• 
  Cadillac Ceryss #smokefleet #nafo (@SerlyFilya) reported 32 minutes ago

  @shrugdeaIer 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.

• 
  Patrick ⚓️🇺🇸 (@lowtide1985) reported 33 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.

• 
  Syed Faiz (@copywriterfaiz) reported 33 minutes ago

  Paypal is threatening close my account although I regularly login by saying that I don't login at all!!! What the hell @PayPal @AskPayPal

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  Diagnosis:Woman (@The_Great_Null) reported 34 minutes ago

  I owe ca$ $400 in loans, trying to get any help paying those down, if you can and want to help, my paypal/venmo/ca$ are all nullthegreat

• 
  Laura M. (@Vero_barcalover) reported 36 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!!!

• 
  WELLIKAT (@LightOutAfterIt) reported 36 minutes ago

  @FatherAltman Hi Father, Paypal throws an error saying your webmaster needs do/fix something. I used CC instead, but normally always use Paypal for online purchases. Looking forward to the book!

• 
  OwenCarter (@OwenCarter_k) reported 38 minutes ago

  $PYPL: Acquisition hopes dashed; retail investors debate "value trap" vs. "undeserved sell-off." Review of the previous trading session: PYPL plunged 12.7% last Friday, ranking among the worst performers on the Nasdaq and S&P 500. Capital that had flowed in based on acquisition rumors during the previous quarter exited en masse; discussions on X shifted from "how much would Stripe pay?" to "what is PayPal actually worth as a standalone business?" (Source: Reuters) Key Event: Stripe and Advent reportedly abandoned plans to acquire PayPal; the prior offer was around $60.50 per share (implying a valuation of ~$53 billion), but negotiations collapsed due to disagreements over pricing, financing, and regulatory issues. Bullish Views: PayPal’s valuation is already significantly lower than that of most payment industry peers; Venmo, Checkout, and its crypto business still hold value for potential spin-offs. The new CEO is driving business restructuring and cost controls, meaning future earnings recovery need not rely solely on acquisitions. The current valuation may still attract interest from other private equity firms or payment companies. Bearish Views: The recent rally was driven primarily by M&A premiums; following the deal's collapse, the stock must be repriced based on fundamentals. PayPal’s branded checkout market share continues to be squeezed by competitors like Apple Pay and Shop Pay. Without a rebound in revenue growth, the low valuation could persist; one cannot assume a market bottom simply because the stock has fallen sharply. Trading Strategy: Avoid trying to catch a rebound immediately after the initial sharp drop; first, observe whether the price stabilizes in the $52–$54 range. A recovery above $57–$58 is required to confirm that panic selling has been absorbed; until then, it is better to watch from the sidelines rather than taking a heavy position in hopes of another buyer emerging.

• 
  紅葉MOMICHI 🔜VeXpo (@momichiword) reported 38 minutes ago

  @cloverclubcos If it’s not too much trouble!!! I’d really appreciate it if you could help me with this. I can pay for the item and shipping via PayPal, and I also have a forwarding warehouse that can ship it to Taiwan for me, which should be a little cheaper than shipping it directly🥹

• 
  ᴅɪᴠɪɴᴇ ᴛʜᴏᴜɢʜᴛ ™️ ⟁ (@DivineThoughtTM) reported 38 minutes ago

  I'm in a real bad spot. I hate trauma dumping.. I've been taking care of elderly family member while I've been dealing with my own health issues. I can't seem to get ahead before another crisis. Any help is more than appreciated and sorry for putting this on your feed 🙏🏻 Venomo: @geekay1 I have a PayPal too

• 
  Miguel Rivera (@miguelrivera) reported 40 minutes ago

  Hey @PayPal, why do your customer service agents keep dodging me? Three separate agents have abruptly closed our chat today right when I asked them to resolve my issue This is incredibly frustrating. Please DM me so I can actually get some real help #CustomerService #BadService

• 
  AD Sleazo AKA AD. (@adsleazo) reported 44 minutes ago

  @UDSupport when yall gone fix paypal withdrawals bro it’s been almost a week

• 
  Dada Goober (@goobertstan) reported 45 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

• 
  Sam Parr (@thesamparr) reported 45 minutes ago

  Former CEO of PayPal + Inuit Bill Harris on Moneywise today. He broke down his portfolio and expenses (and what it was like working w/ Elon + thiel. - Net worth: ~$100m. Divorce cut it roughly in half - ~$50m in operating companies he's starting, ~$25m diversified securities, ~$25m bonds. No PE/hedge/alts - "absurd fees" - PayPal/eBay exit: personally "more than 20 million, less than 50" - Personal Capital: sold to Empower for $825m with $23b AUM; his take was north of $100m post-tax - New venture: ~$10m of his own money in - Total annual burn: ~$70-80k all in, property tax included ("well less than a hundred thousand bucks") - No mortgage (cottage paid off), no car, bikes to work - Owned a ton of stuff (houses, cars, planes). Sold it all because it took too much time to maintain.

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  J∆Y (@JayJayasuriya) reported 46 minutes ago

  @PayPal @AskPayPal PayPal permanently shut down our small business account—and won't tell us why... 🤔 #paypalfail

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  ً (@hirakodaily) reported 47 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 👇

• 
  Chaos🔞Comms Open (@ChaosReverb) reported 50 minutes ago

  @Aerea_caeles If you're referring to what happened to what happens around February when my PayPal account was stolen by my ex-bestfriend, I asked the clients to please request refunds from PayPal immediately several times because I never had access to that account again. I explained the topic in detail here and on Instagram. Some people completed the process and received their money back without any problems. There were 2 people who had problems with their banks, one ghosted me when I tried to explain to the that they should insist with PayPal, another commission never responded to my progress reports, and another asked me to do their commission because I think the bank didn't want to give them their money back and I did it without any problem ª In fact, I still have the records.

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  WallStreet2Web3 (@WallStreet2Web3) reported 58 minutes ago

  PayPal Slumps After Buyout Talks Collapse: What Just Happened & Why It Matters PayPal just lost its lifeline — and the stock got obliterated. Stripe and Advent International walked away from a $53 billion buyout. The stock crashed 12-17% in a single session, from $62 to $52. JPMorgan and Morgan Stanley had committed the money. Now it's dead. What Actually Happened In July, Stripe and Advent offered $60.50 per share — a 28% premium. PayPal's board wanted $70. The deal died. Talks revived in mid-August. Then on August 27, Bloomberg dropped the bomb: collapsed for good. The stock went from $62 to $50.98 in pre-market. A $10 billion wipeout before breakfast. Why They Walked Away - Price gap: PayPal wanted $70, buyers offered $60.50. Too far apart. - Regulatory risk: A combined Stripe-PayPal would process $3.7 trillion annually. The FTC and EU would force divestitures of Braintree or Venmo. Why the Market Crushed the Stock PayPal's entire rally this quarter was built on deal hope. The stock was up 40%+ since June. Not because earnings were great — because investors thought Stripe would rescue them. Now? The rescue is gone. And PayPal has to face ugly reality: - Revenue growing just 4% - Active accounts flat at 439 million - The "PayPal button" moat eroding as Apple Pay and Google Pay take over The stock fell back to pre-rumor levels. All the deal premium? Evaporated. What PayPal Actually Is Today - Market cap: ~$52 billion (was $360 billion in 2021) - Revenue: $33.2 billion, growing 4% - Free cash flow: $6.4 billion - Stock: From $300+ in 2021 to $52 today This is a company that prints cash but can't grow. It processes nearly $2 trillion in payments but trades at 8-10x earnings. The market sees terminal decline. The Fintech Valuation Warning Stripe is worth $159 billion private. PayPal is $52 billion public. Yet PayPal processes similar volume and generates $6 billion in free cash flow. The difference? Stripe is growing. PayPal is not. Investors pay 50x revenue for growth. They pay 8x earnings for stagnation. PayPal is the latter. If the original fintech giant trades like a utility, what does that mean for every other fintech unicorn? What Investors Should Watch 1. Don't chase M&A rumors — PayPal rallied 40% on deal hope, gave it all back in a day. 2. Fintech ETFs are risky — ARKF, FINX hold PayPal. When the bellwether collapses, the whole basket suffers. 3. Indian fintech fundraising gets harder — Paytm, PhonePe, Razorpay watch this closely. If PayPal trades at 8x earnings, why should Indian fintechs trade at 30x? Bottom Line PayPal went from "takeover target" to "turnaround story" overnight. The $53 billion bid proved it has value. The collapse proved that value isn't enough. For 20 years, PayPal was the king of online payments. Today, it's a $52 billion company fighting for relevance. When your best hope is getting acquired and even that fails, you have a problem. The fintech graveyard is full of companies that were once "too big to fail." PayPal isn't there yet. But it's walking in that direction. Is PayPal a value trap at $52, or a genuine bargain? Drop your take below 👇 Follow @WallStreet2Web3 for more clear market analysis. DYOR!

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  Heath Castor (@HeathCastor) reported 59 minutes ago

  Dear @PayPal I changed my street address two years ago (almost) and tha ks to your system not working properly I’m out $40+ shipping for a purchase I made from a friend’s shop as your system went back to my old address and I also haven’t gotten my replacement debit card…

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  WinterBerry (F.Ibe), Esq.™️ (@ButterBabe__) reported 1 hour 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.