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Killexams : PayPal Developer- test - BingNews Search results Killexams : PayPal Developer- test - BingNews Killexams : Why PayPal is at the center of a right-wing social media storm

PayPal has found itself caught up in a social media storm among free speech absolutists and right-wingers—all of who allege that the payments platform is preventing them from shutting down their accounts.

Users who support the likes of the Free Speech Union, a U.K. organization designed to promote the ability to speak your mind, have been rattled by PayPal banning the account from accessing money it collected from followers.

The Free Speech Union had thousands of dollars in its PayPal account when it was shut down in late September. The organization used the payment platform to solicit donations in its fight for free speech absolutism.

Since then, PayPal has been buffeted by attacks from the far right. It compounded its troubles by incorrectly publishing information that claimed it would fine customers for spreading misinformation, something that a spokesperson subsequently said was “never intended to be inserted in our policy.”

Whether that was related to the platform’s earlier skirmish with the Free Speech Union is unclear. But it stoked the exact fears those on the right were thinking about.

Regardless of the intention, the decision was criticized by Elon Musk, whose company merged with Confinity to form PayPal in 2000.

It has made those on the right antsy, inspiring them to abandon PayPal en masse to express their displeasure at the company.

There’s just one problem: they’re unable to close their accounts.

A number of users have claimed to struggle to shut their PayPal accounts when they try to do so, suggesting that it may be because PayPal wants to keep them on the site for fear of losing their business. At least half a dozen of those who said they believed they were barred from closing out their accounts turned down interview requests, seemingly because of a mistrust of the media.

A PayPal spokesperson said that the issue users were facing was not a deliberate attempt to hold up their cash, but a standardized procedure. “As it says on our website, before you close your account, make sure to withdraw any money you have in your PayPal account,” the spokesperson said.

“You can transfer the money electronically to your bank account or ask us to send you a check,” they added, pointing out that the grand conspiracy that prevents people from shutting down their PayPal accounts may be a simple logistical issue. “If you have an email address on your account that you haven’t confirmed, remove it from your account before you close it,” the spokesperson said. “You can’t close your account if there are limitations, unresolved issues, or a balance.”

It’s unclear, from those posting about issues closing accounts, whether they cleared out their balances beforehand. 

The spokesperson did not answer questions asking how many users had left the platform in latest months, what proportion of users that would represent, and whether they had seen a greater churn in users since finding themselves in the firing line of far-right Twitter.

In the right-wing bubble, people believe the abandonment of the platform has been so great that PayPal is taking drastic action. Paul Joseph Watson recently tweeted a claim that PayPal is offering users $15 to stay. The Daily Dot has not been able to independently verify whether that is the case.

“There has been a growing trend of people wishing to claim victimhood due to their perception that they are unfairly losing power in society,” said Steven Buckley, lecturer in media and communication at City University, London. “This is of course incorrect and there has simply been a balancing of power and voice given to those who had previously been marginalized. We see this with the MAGA crowd, anti-trans activists and so-called ‘free speech warriors’.”

“Because the shifting dynamics in society coupled with oftentimes opaque business practices are complex, people can find it easier to cry conspiracy theories in order to explain the situation they are in,” said Buckley.

Buckley points out that PayPal should be more transparent about why users have to provide more information before shutting their accounts, and why those accounts they’ve proactively banned have been booted.

The Free Speech Union’s creator, Toby Young, has not been told why his account was shuttered. Meanwhile, a prominent anti-trans account, Gays Against Groomers, said they were recently booted from PayPal without justification as well. 

“But just because their guidelines are vague, doesn’t mean there is some grand conspiracy that seeks to punish or silence the views of people like Toby Young,” Buckley added.

But it all comes amid rising anger at PayPal. The Daily Dot reported on businesses that allege PayPal has withheld millions of dollars of their funds without justification—a story that came to light after reporting on how the creators of one penetration testing device had $1.3 million of its cash held up by the payments company.

While some have posted about a surge of interest in Google search queries about how to close their PayPal account in latest days, over the longer run global search interest in how to shut down one’s account stayed relatively flat. And despite some hysterical coverage from sites popular with conspiracy theorists and the far-right, it doesn’t seem like PayPal is about to collapse like a house of cards. 


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*First Published: Oct 14, 2022, 7:32 am CDT

Fri, 14 Oct 2022 14:32:00 -0500 en-US text/html
Killexams : Is PayPal Stock a Buy After Selling Off in 2022?

PayPal’s PYPL development of a network of merchants and consumers early in the evolution of e-commerce allowed the company to build and maintain an enviable competitive position. In latest years, PayPal’s growth has remained turbocharged by the ongoing shift toward electronic payments and the rise of e-commerce, which the coronavirus accelerated. However, the company might see some headwinds this year as the positives from the pandemic reverse.

Longer term, we see a mix of competitive opportunities and threats that create a fairly wide range of outcomes. Services like Apple Pay represent competition. On the other hand, PayPal remains a preferred partner in the online space and could leverage this into a growing presence in point-of-sale transactions. Venmo, its rapidly growing but still unprofitable peer-to-peer platform, probably won’t be a major driver anytime soon and its future is difficult to predict, but it has potential to create upside above our fair value estimate.

Key Morningstar Metrics for PayPal

Economic Moat Rating

Payment processing of any type is highly scalable, as once a payment platform is established, there is little incremental cost to additional transactions. If viewed through the lens of the acquiring industry, PayPal has material scale, with over $1.2 trillion in annual volume, but falls well short of the volume handled by larger players. However, the acquiring industry contains niches, and within the e-commerce space, PayPal is a clear leader, which we think places a narrow economic moat around its operations. We typically think of a network effect as a very strong source of advantage, and one that often gives rise to a wide moat. In PayPal’s case, though, we think the effect is more mild, as the company is a relatively small piece of the overall electronic payment infrastructure.

Read more about PayPal’s moat rating.

Fair Value Estimate for PayPal Stock

Our $135 fair value estimate equates to 28.6 times our projected 2023 adjusted earnings per share forecast. While growth will likely slow a bit in 2022 as the company works past some headwinds, we think PayPal has a clear path to strong growth over the next few years and that it can continue to generate solid growth over the long haul as it rides the secular shift toward electronic payments generally and e-commerce and mobile payments more specifically. Our projections result in an 14% revenue CAGR over the next five years and 12% over the next 10 years. We expect the company’s strong growth to propel solid margin expansion over time. We project operating margins to hit 23% by 2031, compared with 17% in 2021. We use a cost of equity of 9%.

Read more about PayPal’s fair value estimate.

Risk and Uncertainty

The payment processing industry is evolving, and it is possible that new competition and future disruption could significantly reduce the profitability that PayPal can generate or cut it out altogether. As its revenue is directly tied to revenue at its merchant customers, PayPal is sensitive to macroeconomic conditions. PayPal’s international operations present currency and execution risk. Some governments have shown a preference for local payment processors, which could freeze PayPal out of certain markets. Venmo is a business seeing very high growth but is not yet profitable. The ultimate economics of this business are difficult to predict. Acquisitions could destroy value if the company overpays or fails to effectively integrate these operations. Finally, any company involved in processing payments has potential exposure to breaches in its systems.

Read more about PayPal’s risk and uncertainty.

PayPal Bulls Say

  • There is still plenty of runway for growth in electronic payments. Electronic payments only surpassed cash payments on a global basis a couple of years ago.
  • The scalable nature of the business should allow PayPal to Strengthen its margins over time.
  • PayPal’s long-running experience in online payments is a unique asset that is becoming more valuable as e-commerce becomes a bigger piece of the pie.

PayPal Bears Say

  • The separation between online and point-of-sale transactions is blurring, and PayPal may increasingly come into competition with larger companies.
  • Alipay and WeChat provide examples of how governments could favor local players, which could shut PayPal out of some emerging-market opportunities.
  • Opportunities to monetize Venmo could be limited.

Remove the guesswork and make informed decisions faster. Morningstar Investor’s stock ratings, analysis, and insights are all backed by our transparent, meticulous methodology. Learn more and start a seven-day free trial today.

Brett Horn does not own (actual or beneficial) shares in any of the securities mentioned above. Find out about Morningstar’s editorial policies.

Sun, 09 Oct 2022 05:12:00 -0500 Brett Horn, CFA en text/html
Killexams : PayPal’s dystopian financial censorship scheme backfires

PayPal is one of the biggest digital finance companies in the world. But the popular platform stepped on an absolute minefield when it recently published a disturbing, borderline dystopian “misinformation” policy promising to fine users who commit speech crimes.

"You may not use the PayPal service for activities that … involve the sending, posting, or publication of any messages, content, or materials that, in PayPal’s sole discretion … promote misinformation," PayPal’s policy read .


It further noted that the company would access users’ bank accounts and subtract them $2,500 fines (per infraction!) if they ran afoul of PayPal’s subjective perspective on “misinformation.”

After news of this policy update emerged, the backlash was swift and severe. Countless social media users posted about their decision to cancel their PayPal accounts in light of the disturbing policy. The company’s stock took a hit , and critical press coverage spread like wildfire.

The pressure campaign worked. Well, sort of.

PayPal quickly walked back the “misinformation” policy. The company claimed that the policy was released in error. (Sure.)

"An AUP notice recently went out in error that included incorrect information," the company said in a statement. "PayPal is not fining people for misinformation and this language was never intended to be inserted in our policy."

So I guess you could say the original policy was, um, misinformation?

I’m not so sure we should take PayPal’s claim that its policy was mistakenly released at face value. It already censors right-of-center users for their political viewpoints , so it’s hardly a stretch that it would attempt something like this. “It was an error” sounds more like a convenient excuse to walk back its mistake while attempting to save face. But, regardless, it’s a positive development that PayPal is reversing course.

However, concerned customers shouldn’t assume that everything is fine now.

As it turns out, PayPal has in place another dystopian financial censorship policy that enacts similar fines for those it deems bigots or hatemongers. Law professor Eugene Volokh exposed the PayPal policy, which again authorizes $2,500 fines (taken directly out of your bank account) for “activities that … relate to … the promotion of hate, violence, racial or other forms of intolerance that is discriminatory” in the “sole discretion” of, yup, PayPal.

This is, of course, entirely subjective. Anyone with mildly right-of-center viewpoints on courses ranging from affirmative action to climate change to religious liberty to abortion has, at one point or another, faced shrieks of “bigot!” from some progressive opponents. A company setting itself up to rob users of thousands of dollars for subjectively perceived speech crimes is not just dystopian, but also in grotesque violation of its users’ financial privacy and the trust that has been placed in the company by millions of hard-working people.

That said, we don’t need to run to the government for a solution here.

We already saw how widespread consumer backlash led PayPal to reverse its first policy. So we simply need to keep the pressure on and demand the company end its other Orwellian infringements. And if it won’t, then we should all cancel our PayPal accounts and migrate to other platforms.

This kind of newfangled corporate financial censorship represents a grave threat to a free and open society. We must stop it here before this kind of overreach spreads further throughout our digital lives.


Brad Polumbo ( @Brad_Polumbo ) is a co-founder of , a co-host of the Based Politics podcast , and a Washington Examiner contributor.

Wed, 12 Oct 2022 08:09:00 -0500 en text/html
Killexams : How to delete your PayPal account

In the wake of a social media furor that erupted over the weekend — and led to a “Delete PayPal” mantra on Twitter — the financial services giant says the new acceptable use policy language that it drew up and which seemed to suggest users could be fined for spreading misinformation was prepared in error. “An AUP notice recently went out in error that included incorrect information,” PayPal told multiple media outlets about the policy, which stipulated a fine of $2,500 for each instance of spreading misinformation.

“PayPal is not fining people for misinformation and this language was never intended to be inserted in our policy. Our teams are working to correct our policy pages. We’re sorry for the confusion this has caused.”

Not that that’s done much to quell the outrage. Quipped FCC commissioner Brendan Carr in a tweet, responding to PayPal’s admission of “error” here: “Because who among us has not fat-fingered a new, 7-page policy that would take away peoples’ money for publishing ‘misinformation’ — and then released that new policy on accident?”

All that said, interest in how to delete PayPal accounts certainly remains heightened at the moment, generally from users wary about whether this was, in fact, an error — or more of the same from a company that’s already de-platformed users for all manner of actions that the company doesn’t like. Accordingly, we’ve included the steps below that you need to follow in order to delete your PayPal account.

First things first: Make sure to withdraw any money you have remaining in your PayPal account before you get ready to close it. Click that link to learn how to do so — and then, once any lingering issues or balance is taken care of, here’s how you’ll delete your PayPal via the company’s website.

  1. Click the Settings icon, next to the words “Log out.”
  2. Click Close your account under “Account options.”
  3. Enter your bank account number if you’re asked to do.
  4. Finally, click Close Account.

If you want to delete your PayPal account from the app instead:

  1. First, log into the app.
  2. Click on the Profile icon in the upper-left corner.
  3. Scroll down until you see the option to Close your account.
  4. After tapping Close your account, next click on the Close Account button.

One final, important note: Any unpaid money requests are automatically canceled after closing your PayPal account. Also, you will lose any unused redemption codes or coupons.

Sat, 08 Oct 2022 12:00:00 -0500 en-US text/html
Killexams : PayPal Stock: Bear vs. Bull

PayPal's (PYPL 4.90%) stock price has declined more than 70% since it touched its all-time high in July 2021. The digital payments giant lost its luster as its growth cooled off and margins declined. Rising interest rates have intensified pressure on the company by curbing consumer spending and driving investors away from higher-growth tech stocks.

But with such a steep pullback behind it, is PayPal finally worth buying again ahead of its third-quarter report on Nov. 3? Let's review the bull and bear cases for this polarizing fintech stock.

A shopper makes a payment with a smartphone.

Image source: Getty Images.

What the bears will tell you about PayPal

Those who take the bearish view on PayPal believe that the company failed to adequately prepare for three major headwinds: the loss of eBay's (EBAY 2.33%) business to smaller rival Adyen (ADYE.Y 9.06%) from 2018 through 2021; the inevitable slowdown in digital transactions as people reverted to their pre-pandemic shopping habits and e-commerce sales cooled off; and the impact of rampant inflation on consumer spending.

Instead, PayPal overpromised and underdelivered. In February 2021, management declared it could nearly double its active accounts from 377 million in 2020 to 750 million in 2025. But in February 2022, it abandoned that ambitious goal because its growth in accounts was clearly plateauing.


Q2 2022

Q1 2022

Q4 2021

Q3 2021

Q2 2021

Active Accounts

429 million

429 million

426 million

416 million

403 million

Growth (YOY)






Data source: PayPal. YOY = year over year.

That stagnation helps explain why last October it was reported that PayPal was interested in buying the social media company Pinterest (PINS 5.60%), which hosted 433 million monthly active users in the second quarter. Talks between the two companies fizzled out, but the fact that they took place suggests PayPal was so starved for growth that it was willing to buy Pinterest just to reach 750 million accounts.

PayPal's decelerating growth in total transactions and total payment volume over the past year also indicates its core business is losing its momentum and that it's struggling to replace the revenues it lost when eBay stopped using it as its primary payments platform.


Q2 2022

Q1 2022

Q4 2021

Q3 2021

Q2 2021

Transactions Growth (YOY)






Total Payment Volume Growth (YOY)






Data source: PayPal. YOY = year over year.

The departure of longtime CFO John Rainey in May raised more red flags, and so did its expansion into the wobbly "buy now, pay later" (BNPL) niche, which primarily doles out subprime microloans to consumers who can't get approved for traditional credit cards.

Its latest proposal to fine individual account holders $2,500 per infraction for using the platform to spread "misinformation" -- a policy change it hastily walked back, saying that it was published in error -- also raised troubling questions about PayPal's neutrality as a digital payments platform.

As its growth in users and payments dried up over the past year, PayPal's operating margins declined sharply. Part of that margin compression can be attributed to difficult year-over-year comparisons to 2021, when its results benefited from its release of credit reserves. However, some of that margin compression was also caused by its investments in its digital wallet, e-commerce, cryptocurrency, and BNPL services.


Q2 2022

Q1 2022

Q4 2021

Q3 2021

Q2 2021

Revenue Growth (YOY)






Adjusted Operating Margin






Data source: PayPal. YOY = year over year.

Analysts expect PayPal's revenue to rise by just 10% to $27.9 billion this year, compared to its 18% growth in 2021, and forecast that its adjusted earnings per share will decline by 15% as it absorbs those higher costs.

What the bulls will tell you about PayPal

Those who take a bullish view on PayPal will admit that it faces a lot of near-term challenges, but they expect it to increase its revenue per active account to offset its slowing growth in total accounts. PayPal plans to achieve that by expanding its platform into a "super-app" that seamlessly links its digital wallet, e-commerce services, BNPL features, crypto trading tools, and peer-to-peer payments via Venmo.

Venmo's strong growth offset the slower growth of PayPal's namesake services last quarter. Venmo served 90 million active accounts at the end of Q2, compared to its 52 million at the end of 2019, and it could widen the company's moat against Block's (SQ 8.04%) Cash App for peer-to-peer payments and other financial services.

PayPal's growth will also likely accelerate again after it fully decouples from eBay, which only accounted for 2.5% of PayPal's revenue in its latest quarter. It also expects its operating margins to start expanding in the fourth quarter of 2022 and throughout 2023 as it streamlines its business and focuses on expanding its "highest conviction growth opportunities" in checkout services, digital wallets, and its Braintree back-end software (which competes against Adyen).

PayPal's growth will likely decelerate this year, but analysts still expect its revenue and adjusted earnings per share to grow by 14% and 22%, respectively, in 2023 after it laps its near-term challenges. The board also authorized a new $15 billion stock buyback, which supports the notion that PayPal shares -- which currently trade at just 19 times forward earnings -- are undervalued.

Which argument makes more sense?

PayPal's longer-term prospects seem bright, but I simply can't trust a company that had to walk back its own guidance and whose management has made such baffling business decisions over the past year. I might be more optimistic if PayPal actually stabilizes its user growth and expands its margins again. But until that happens, I'll stick with more promising tech stocks instead.

Leo Sun has positions in Adyen N.V. The Motley Fool has positions in and recommends Adyen N.V., Block, Inc., PayPal Holdings, and Pinterest. The Motley Fool recommends Adyen and eBay and recommends the following options: short October 2022 $50 calls on eBay. The Motley Fool has a disclosure policy.

Thu, 13 Oct 2022 07:13:00 -0500 Leo Sun en text/html
Killexams : PayPal user agreement fining users up to $2,500 for promoting 'misinformation' was sent 'in error,' spox says

A new PayPal user agreement that threatens to fine users up to $2,500 if they use the service to "promote misinformation," was sent out "in error," a PayPal spokesperson tells FOX Business.

The updated PayPal Acceptable Use Policy effective Nov. 3 included an expansion of "prohibited activities," which includes the "ending, posting, or publication of messages, content, or materials that meet certain criteria."

According to the updated PayPal user agreement, the company states that each violation could result in "liquidated damages of $2,500.00" per violation, which would be withdrawn directly from their account.

One of the violations listed, according to the agreement, is that users "may not" use PayPal to promote misinformation.


A new PayPal user agreement that threatens to fine users up to $2,500 if they use the service to "promote misinformation," was sent out "in error," a PayPal spokesperson tells FOX Business. (Reuters/Amir Cohen/File Photo / Reuters Photos)

"You may not use the PayPal service for activities that … involve the sending, posting, or publication of any messages, content, or materials that, in PayPal’s sole discretion … promote misinformation."

However, when contacted by FOX Business, a PayPal spokesperson said that the Acceptable Use Policy notice went out in error and that the company will not fine users for misinformation.

"An AUP notice recently went out in error that included incorrect information," the spokesperson said. "PayPal is not fining people for misinformation and this language was never intended to be inserted in our policy."

The spokesperson added that the company is in the process of updating its policy changes and apologized for any confusion.

"Our teams are working to correct our policy pages. We’re sorry for the confusion this has caused," the spokesperson added.


PayPal Holdings Inc on Tuesday, Feb. 1, 2022, forecast first-quarter revenue and profit well below expectations, as it prepares to take a hit from eBay Inc's ongoing move to ditch its payments services, sending its shares down 17.4%.  (Photo Illustration by Rafael Henrique/SOPA Images/LightRocket via Getty Images / Getty Images)

Former PayPal President David Marcus commented on the policy, saying in a tweet that the updated Acceptable Use Policy "goes against everything I believe in."

"It’s hard for me to openly criticize a company I used to love and gave so much to. But @PayPal’s new AUP goes against everything I believe in. A private company now gets to decide to take your money if you say something they disagree with," Marcus said. "Insanity."

Elon Musk, Tesla CEO and PayPal co-founder, replied to Marcus, tweeting, "Agreed."

The new policy, which was put out in "error," comes after Gays Against Groomers said on Sept. 20 that it had been banned from both PayPal and Venmo.

Venmo is owned by PayPal.

Gays Against Groomers Founder Jaimee Mitchell said on "Tucker Carlson Tonight" that the company didn't inform them what it did to violate its user agreement.


In this photo illustration, PayPal logo is seen displayed on a mobile device. (Photo Illustration by Pavlo Gonchar/SOPA Images/LightRocket via Getty Images / Getty Images)

"We’ve never gotten a violation before. They said that we violated, though, their user agreements, which, we’re not sure what in the agreement we violated," Mitchell said. "There was no really detailed message to that. Just the notification that we have been banned."

FOX Business' Max Thornberry contributed to this report.

Sat, 08 Oct 2022 14:23:00 -0500 Adam Sabes en-US text/html
Killexams : PayPal Says It Won't Fine Users $2,500 for Misinformation, but It Will Fine Them for 'Intolerance'

PayPal is a company that facilitates financial transactions. Peter Thiel and Elon Musk, billionaire entrepreneurs who have both talked about the importance of free speech and civil liberties, have been involved in the company at various stages.

Last week, PayPal rolled out an updated user agreement.

That agreement prohibits "the sending, posting, or publication of any messages, content, or materials" that "present a risk to user safety or wellbeing" or contain "misinformation." The policy notes that what counts as misinformation is at PayPal's "sole discretion." Violate the policy, and PayPal can deduct $2,500 from the offending user's account.

That's $2,500 per infraction. Someone who spreads quite a bit of so-called misinformation could stand to lose a great deal of money.

PayPal has now backtracked.

"An AUP notice recently went out in error that included incorrect information," a PayPal spokesperson said. "PayPal is not fining people for misinformation and this language was never intended to be inserted in our policy."

That's a welcome clarification, because the policy as written was deeply misguided.

Efforts to police misinformation are prone to significant error and overreach. Governments, media organizations, and tech platforms have all made serious attempts to limit the spread of misinformation by cracking down on speech they thought was wrong or dangerous—but time and time again, these measures have resulted in censorship of legitimate discourse.

Facebook, for instance, took great pains to prevent users from theorizing that COVID-19 emerged from a lab. Twitter faced pressure from the Biden administration to purge accounts that criticized the mainstream consensus on vaccines, masks, and other subjects. YouTube's policies prohibited content creators from spreading so-called COVID-19 misinformation, including statements like "masks don't work" or "COVID-19 is no more dangerous than the flu." Some of those statements have more validity than others, but they're no longer considered outside the bounds of acceptable conversation. What the gatekeepers termed "misinformation" is now just information.

The government's so-called misinformation experts have performed no better than media organizations or social media platforms. Remember Nina Jankowicz, who was chosen as director of the Department of Homeland Security's Disinformation Governance Board? Though she had wrongly flagged the New York Post Hunter Biden laptop story as fake Russian nefariousness, the department picked her to advise elite law enforcement and national intelligence on misinformation trends.

It would be completely reasonable for PayPal users to fear that misguided misinformation policing might end up costing them money, and the company is well-advised to reverse course.

This incident inspired Eugene Volokh, a professor of law at UCLA and writer for The Volokh Conspiracy, to take a closer look at the policies PayPal already has in place. What he found alarmed him: PayPal prohibits "activities that…relate to…the promotion of hate, violence, racial or other forms of intolerance that is discriminatory or the financial exploitation of a crime."

Violating that policy can also result in a $2,500 fine. Volokh warns that sharply criticizing a religion or government officials could be construed as the promotion of hate—and could theoretically violate that policy.

"Sounds like a good reason to think twice about using PayPal," he writes. "I've just withdrawn the $1000+ I have in my PayPal account, and I'm starting the process of disentangling myself from the service to the extent possible."

PayPal is free to put in place whatever policies it thinks are best, but the company shouldn't be surprised if people don't trust it to correctly define terms like misinformation, hate, or intolerance—and, thus, take their business elsewhere.

Wed, 12 Oct 2022 08:42:00 -0500 Robby Soave en-US text/html
Killexams : How to delete your PayPal account permanently, and what to keep in mind before you do cannot provide a good user experience to your browser. To use this site and continue to benefit from our journalism and site features, please upgrade to the latest version of Chrome, Edge, Firefox or Safari.

Mon, 10 Oct 2022 09:16:00 -0500 en-US text/html
Killexams : ‘Delete PayPal’ controversy unlikely to have ‘any noticeable impact’ on PayPal’s reported users, analyst says

PayPal Holdings Inc. said earlier this week that a policy change indicating users could be fined up to $2,500 for spreading misinformation was published erroneously—but not before the company faced online backlash.

See more: PayPal apologizes for policy notice saying users could face $2,500 fines for misinformation

Some high-profile Twitter users, including former PayPal PYPL, +4.67% president David Marcus, called out the company, while other Twitter users rallied around online calls to boycott the payments service. Search queries for how to delete a PayPal account rose sharply.

Read: ‘Delete PayPal’ searches spike after $2,500 misinformation fine controversy

Shares of PayPal lost 7.9% over the course of Monday and Tuesday, underperforming the S&P 500 SPX, +2.65%, which fell 1.4% during those two days, but Jefferies analyst Trevor Williams said he wasn’t sure that the controversy would spark a mass exodus from the PayPal platform.

He noted in a Wednesday report to clients that data from ListenFirst, which does social-media analytics, indicated that only 70,000 accounts tweeted, retweeted, or liked a tweet with the #DeletePayPal hashtag over the span of Saturday to Monday. For context, PayPal Chief Executive Dan Schulman disclosed on the company’s earnings call that PayPal had “nearly 400 million consumer accounts.”

“If action taken by consumers in response to the policy update/retraction is isolated to those that voiced displeasure via social media (or even a multiple of those that did), we would not expect there to be any noticeable impact on net new active accounts,” Jefferies’ Williams wrote.

He acknowledged that the “only lingering risk” for PayPal would be if the controversy “prompts a broader politically motivated boycott, the likelihood of which is impossible to measure.” But the Twitter ire “faded significantly on Monday,” Williams wrote, suggesting that the episode was unlikely to escalate into something bigger.

The backlash comes during a tough year for PayPal, which has seen its shares fall by half over the course of 2022 as the management team reset expectations numerous times. Executives backtracked on rosy pandemic-era projections for medium-term growth and also pulled back on annual targets.

While PayPal shed $8.2 billion in market value over the course of trading Monday and Tuesday, Sentieo research director Nick Mazing highlighted that such a decline is “tiny compared to the market cap loss since the peak.” PayPal was worth more than $360 billion at its July 2021 peak, but it was only worth $104 million as of Friday’s close. The market value dipped to $96 billion by the end of Tuesday’s session.

PayPal’s market value has fallen from a peak of over $360 billion in July 2021 to under $100 billion currently.


Despite the latest challenges, Bank of America analyst Jason Kupferberg is feeling upbeat about the company’s prospects, writing that he sees an “attractive risk/reward” setup heading into PayPal’s third-quarter earnings report. He thinks that the company could realize upside to revenue from other valued-added services, stemming from rising interest rates, and he also flagged the potential for a positive surprise on margins as PayPal has been focused on cost cuts.

He noted in his Wednesday report that PayPal is his “top pick.”

Thu, 13 Oct 2022 00:27:00 -0500 en-US text/html
Killexams : PayPal says policy to fine customers for ‘misinformation’ was an ‘error’

PayPal Holdings said Monday it will not fine users for misinformation and an earlier policy update that said customers could have to pay $2,500 in damages was sent in error.

Shares of the San Jose, California-based company were down nearly 6% after the update, which PayPal said “included incorrect information,” sparked intense backlash on social media over the weekend.

“PayPal is not fining people for misinformation and this language was never intended to be inserted in our policy. We’re sorry for the confusion this has caused,” a spokesperson for the company said.

According to several media reports last week, PayPal had published a policy update prohibiting customers from using its services for activities identified by it as “sending, posting, or publication of any messages, content, or materials” promoting misinformation.

The new policy, which said customers could have to pay damages of $2,500 for each violation, was supposed to go into effect on Nov. 3, the reports said.

PayPal’s former president David Marcus slammed the policy in a tweet on Saturday, saying the new policy “goes against everything I believe in.”

“A private company now gets to decide to take your money if you say something they disagree with. Insanity” Marcus tweeted.

Elon Musk, the billionaire Tesla chief who co-founded PayPal, tweeted “Agreed,” replying to Marcus’s tweet.

PayPal’s clarification was earlier reported by Bloomberg News.

Mon, 10 Oct 2022 03:50:00 -0500 en-US text/html

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