PayPal Holdings, Inc.

PayPal operates a digital payments platform used for online checkout, peer-to-peer transfers, and merchant services. Its brands include PayPal and Venmo. Revenue is generated mainly from transaction fees on payment volume processed across its network.

Notes

• Strong position in online checkout and merchant acceptance

• Competes with card networks, banks, and newer fintechs

• Growth levers: total payment volume, take rate, and product expansion