Paypal, payment platform

1. NISHU
SAMRIDH

2. Mission & Vision
 Mission “Build the web’s most convenient, secure,
cost-effective payment solution”
 Vision “To become a global standard for online
payments.”
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3. PayPal.com
 PayPal (NASDAQ: PYPL) is committed to democratizing financial services and
empowering people and businesses to join and thrive in the global economy. Our open
digital payments platform gives PayPal’s 267 million active account holders the
confidence to connect and transact in new and powerful ways, whether they are online,
on a mobile device, in an app, or in person. Through a combination of technological
innovation and strategic partnerships, PayPal creates better ways to manage and move
money, and offers choice and flexibility when sending payments, paying or getting
paid.
 Currently, Available in more than 200 markets around the world, the PayPal platform,
enables consumers and merchants to receive money in more than 100 currencies,
withdraw funds in 56 currencies and hold balances in their PayPal accounts in 25
currencies.
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4. PayPal Introduction
 Type of business - Public
 Type of site - Financial
 Available in - Multilingual
 Founded - December 1998; 20 years ago (as Confinity)
November 1999; 19 years ago (as X.com)
 Predecessor(s) - Confinity, X.com
 Headquarters - California
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5.  Area served - Almost worldwide
 Founder(s) - Ken Howery, Luke Nosek, Max Levchin,
Peter Thiel , Elon Musk (X.com founder)
 Key people - John Donahoe (Chairman) , Dan Schulman (CEO)
 Industry - Financial services
 Products - Credit cards, payment systems
 Website - www.paypal.com
 Users - 267 million (current)
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6. History
 Launched PayPal in October of 1999 with six employees.
 Between January and August 2000, PayPal surged from 12,000 accounts to 2.7
million.
 June 2000, PayPal introduced accounts for businesses. By the end of 2001,
more than one-fifth of PayPal's 12.8 million accounts were business accounts.
 In March 2000, Confinity merged with X.com, an online banking company
founded by Elon Musk.
 The X.com company was then renamed PayPal in 2001,and expanded rapidly
throughout the year until company executives decided to take PayPal public in
2002.Paypal's IPO listed under the ticker PYPL at $13 per share and ended up
generating over $61 million.
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7. eBay'sAcquisition (2002-2014)
 On October 3, 2002 eBay acquired PayPal. eBay and PayPal are now working together for a common
goal: to help buyers and sellers tradeonline.
 On eBay, PayPal is the only online payment service integrated with the eBay platform. That means when
a seller selects PayPal on the eBay Sell Your Item form or any eBay listing tool, the PayPal logo will
automatically appear on the View Item Page. Plus, buyers can easily pay using the PayPal Pay Now
button in a closed eBay View Item page, End ofAuction email, or My eBay.
 Your privacy is very important to both eBay and PayPal. Your information may be exchanged between
eBay and PayPal only in accordance with each company's respective Privacy Policy. Should there be any
changes to either site's Privacy Policy, you will receive advance notice ofthe changes.
 Though there is a strong relationship between eBay and PayPal, eBay is not the only place you can use
PayPal. Millions of merchant websites worldwide accept PayPal as a payment method. In fact, many
eBay sellers prefer PayPal on their off-eBaywebsites.
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8. Type of accounts-
 Personal Account- The Personal Account is the “standard” account type. You can load money into
it and use that money to buy things online or send it to friends and family members. It’s very useful for
things like shopping on eBay, repaying friends for dinner, and sending your sibling a Christmas gift.
 Premier Account- The Premier Account is for anyone who wants to sell stuff online as a one-person
operation, whether in a hobby or professional capacity. Owners of Premier Accounts can receive
PayPal payments on eBay, accept debit or credit payments from anyone, and receive the PayPal
Debit Card.
 Business Account- The Business Account is for anyone who wants to sell stuff online under the name
of a company or organization. In addition to Premier benefits, Business Accounts can accept bank
transfers (with a per-transaction fee), grant limited access to up to 200 employees, and utilize special
features like Express Checkout.
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9. PayPal's annual revenue from 2010 to 2018 (in billion U.S.
dollars)
 Source- The Statistics Portal 3/25/2019 9

10. How PayPal works?
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11. Payment Standards
 With PayPal Payments Standard, you can start accepting payments in as little as 15
minutes by simply adding some code to your existing e-commerce website. The system-
optimized for both smartphones and tablets-can serve customers with or without a PayPal
account, giving you the ability to sell to almost anyone who wants to buy from you. You
can add shipping fees and taxes to payments with PayPal Payments Standard-and you can
also track inventory and access profit and loss information by product or service.
 How to use PayPal Payments Standard with your e-commerce platform.
The system is also built to work with most major shopping carts and e-commerce
platforms including eBay, amazon, flip kart, book my show, MMT, PVR, etc.
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12.  PayPal Payments Standard fees.
PayPal Payments Standards can process payments from credit
cards, PayPal, and PayPal Credit - all you pay is a standard, flat fee
of 2.9%, plus $0.30 cents per transaction. There are no hidden fees
or long-term commitments with PayPal Payments Standard.
 Protecting you and your business is a top priority.
PayPal Payments Standard is built with your business' security in
mind. Every PayPal Business account comes with 24-hour fraud
monitoring and encrypted transactions. You may also benefit
from PayPal Seller Protection on eligible purchases.
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13.  Customize your checkout with PayPal Payments Pro.
Do you need additional features and a customizable checkout?
Upgrade to PayPal Payments Pro and for $30 per month, you
can customize your checkout in any way your business demands
and accept more payment options including debit cards, phone
payments, and in-person payments.
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14. How to Take Swipe Payments with a Card
Reader (PayPal Here)
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15. PayPal One Touch Demo
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16. PayPal Revenue Sources
1. Transaction Fees
 There are two types of accounts on PayPal – Personal & Business.
 With a personal account, you can send and receive money online from family or friends
and pay for goods you’ve bought online or offline through your debit card, credit card
or through your PayPal balance. However, PayPal charges a fee of 2.9% plus $0.30
USD of the amount when you pay using a debit or credit card.
 Business accounts are for merchants who use PayPal services to sell their goods online.
They pay a fee of 2.9% plus $0.30 USD of the amount they receive on the sale.
However, this fee is reduced with the increased amount.
 There’s no withdrawal fee. However in certain cases, if you want to withdraw money in
the form of the check, you have to pay a fee of $1.50.
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17. 2. International Payments
 PayPal charges fees when you receive payment from a different country. The
charges include currency conversion cost (if a different currency is used) and the
international payment fee. Fees vary for different currencies.
3. Business Account Charges
 Registering an individual or business account on PayPal is free. However, some special
features and services like customized checkout page and same site payment are
provided only to users who buy the Payments Pro business account of PayPal. The cost
of payments pro account is $30 per month.
4. PayPal.me withdrawal fees
 PayPal.me lets you receive money directly through a custom link. However, PayPal
charges you when you withdraw the same. The charges in the USA are 2.9% plus
$0.30 USD of the amount received.
5. Interests from money deposited
 The money kept as PayPal balance is deposited by the company in liquid
investments which earn interest. The interest is a source of revenue for PayPal and
is not shared with you.
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18. 6. PayPal Working Capital Fee
 As the name suggest PayPal working capital is a small loan for your working capital
needs. You can borrow up to 15% of your last 12 months of PayPal sales, up to
$85,000, with a fixed fee and no interest. PayPal working capital works a bit differently
than a traditional loan. Instead of monthly payment, payments are made on a daily basis
as a percentage of your sales. The interest is replaced with a fixed fee. The amount of
fixed fee is dependent on the percentage of daily sale alloted. The larger the percentage
of daily sale you choose to allocate towards repayment, the lower the fee.
7. Debit Card Withdrawal Fees
 PayPal users also get the benefit of anytime money but at a cost. The company charges
a fee every time you withdraw money by using the debit card.
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19. Services Provided
 Shop securely
 Send and receive money
 Pay through bank account
 Pay with debit or credit card
 Sell on eBay and beyond
 Stay safer online
 Send money in multiple currencies
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20. SWOTAnalysis
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21. Competitors
 Google Wallet.
 Wepay.
 2Checkout.
 Authorize.net.
 Skrill.
 Intuit.
 Propay.
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22. Security Level
More secure
So why use PayPal? Because PayPal provides an extra level of security
for your payments. Sellers and merchants never see your sensitive
financial details.
We use the industry’s most secure data encryption technologies and
physically secure servers that aren’t connected directly to the Internet.
Our dedicated team of anti-fraud experts works around the clock to
ensure the highest level of security.
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23. Security Token
 In early 2006, PayPal introduced an optional security key as an additional precaution against
fraud. A user account tied to a security key has a modified login process the account holder
enters his or her login ID and password, as normal, but is then prompted to press the button
on the security key and enter the six-digit number generated by it. For convenience, the user
may append the six-digit to his or her password in the login screen. This way he or she is not
prompted for it on another page. Using this method is required for some services, such as
when using PayPal through the eBay application on iPhone.
 This two-factor authentication is intended to make account compromised by a malicious
third party without access to the physical security key difficult, although it does not prevent
so-called Man in the Browser (MITB) attacks. However, the user (or malicious third party)
can alternatively authenticate by providing the credit card or bank account number listed on
his or her account. Thus, the PayPal's implementation does not offer the security of true two-
factor authentication.
 The key currently costs US$29.95 for all users with no ongoing fees. The option of using a
security key with one's account is currently available only to users registered in Australia,
Germany, Canada, the United Kingdom, and the United States.3/25/2019 23

24. Safety Measures
Tips to stay safe from PayPal fraud or scams:
 Log in safely: To log in to your PayPal account or access the PayPal website, open a new web browser (e.g.,
Internet Explorer or Firefox or Chrome) and type in the following: https://www.paypal.com/
 Check the email greeting: Emails from PayPal will always address you by your first and last name or the
business name associated with your PayPal account. A PayPal scam email may include the salutation "Dear
PayPalUser" or "Dear PayPal Member"
 Look out for attachments: PayPal emails will never ask you to download an attachment or a software
program. An attachment found in a PayPal scam email will often contain a virus that can harm your computer
or compromise your PayPal account
 Never give out personal information: If we require information from you, we will notify you in an email and
request that you enter the information only after you have safely and securely logged in to your PayPal account.
 Often, PayPal scams will request details such as your full name, account password, credit card
number, bank account, PIN number, Social Security Number, or mother's maiden name.
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25. Customer satisfaction
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26. THANK YOU….!!!!
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