PayPal Inc. is the biggest online company in the world that providing a transfer and online payment services via email between Consumer to Consumer and Peer to Peer.

1. By Roshan Karunarathna

2.  A brief introduction
 There Business Methods
 Technologies they use
 Benefits to users and buyers
 Security features
 Future with paypal
Contents

3. Background
PayPal Inc. is the biggest online company in the world that
providing a transfer and online payment services via email
between Consumer to Consumer and Peer to Peer.
• Established since 1998
• Debut in 1999
• Subsidiary of in 2002
• Head office in San Jose, California, USA

4. Ways to use PayPal
Pay Online
Shop for what you want
quickly and securely
Send Money
Send money to just about
anyone with an e-mail
address
Get Paid
Accept online payment
for items you sell

5. Symbiotic relationship with eBay
• Increases velocity
of trade
• Enhances trust &
safety
• Enables
innovation• Provides the
aggregation point
for small business
• Drives critical
mass of buyers &
sellers
• Solved counter-
party problem

6. How it Works?
 Act as a “middleman” for Customer and Merchant
Service.
 Account types
 Personal
 Premier
 Business
 Online purchase personal account is the right choice.
 Payments for users own business, Premier or
Business account.

7. How PayPal Works
CHOOSE WHO TO PAY
• Select PayPal when
checking out at online
stores worldwide.
• Or use PayPal to send
money to friends across
town or on another
continent.
1
DECIDE HOW TO PAY
• Pay directly from your PayPal
balance or linked bank account.
• Or charge it to your credit card.
2
PAYMENT SENT
• Stay safer - recipient gets the
money without seeing sensitive
financial details like your credit
card or bank account numbers.
• Keep track of all your
transactions on PayPal.
3

9. Region
Choose your Account

11. New Account Information

13. Submit

14. Enter Your
Credit Card
Number
Click Here to
Continue

17. PayPal Helps Bring You New
Customers
17
PayPal is:
Secure
Simple
Fast
Drivers of Consumer
Demand for PayPal PayPal Growth
► Over 201M accounts
► 190 countries
► 24 currencies
► 1000s of merchants add
PayPal every year

18. The PayPal Value Proposition
PayPal user accounts
12M
96M
201M
2001 2005 20091999

19. Leading Global Brands Accept PayPal

20. PayPal Provides an All-in-One Solution
for Online Merchants
Protecting the security of a merchant’s information is the top priority at PayPal.
Customer’s
issuing bank
Merchant’s
acquiring bank
Customer
Merchant
Processor
Payment
Processing
Service

21. PayPal’s Benefit to Buyers

22. Why PayPal works for buyers
 Free to use
 Pay anyone with a credit card or bank account: “online wallet”
 Fast, secure payment – 1 week → 1 minute
 Stores financial information securely to maintains user privacy
 Works cross-border eCommerce
P2P/remittances
Importance PP
competitiveness
Cost
Convenience
Rewards/loyalty points
Security
Network

23. PayPal’s Benefit to Sellers

24. Why PayPal works for sellers
 Enables credit card acceptance
 Faster payment = faster inventory turn
 Easy to sign up
 No setup, monthly or gateway fees
 Competitive price with no minimum time commitment
 Fraud protection

25. PayPal enables global trade
Can be used in 45
countries
PayPal available
PayPal available + Local Bank Acct. Withdrawal
Currencies Supported: US $, CA $, GBP £, Euro €, JP Yen ¥
Localized: US, UK, DE, FR, BE, CH, NL, AT

26. Revenue
Online purchases
 Pay Free of charge
 Get paid 2.4% to 3.4% + $0.30
Personal payments
 Use PayPal balance Free of charge
 Use credit card 3.4% + $0.30

27. Common Fraud-Related Risks
Accessing a payment
network to complete fraud
Accessing
payment networks
Chargebacks
A cardholder disputes a
credit card purchase
Using a stolen credit
card to purchase
goods and services
Product theft
Using stolen information
to open new credit cards
Identity
theft

28. Phishing
Mass Email Phishing Email Fraudulent Website (Spoof)

29. Spoofed Website

30. Buyer & Seller Safely
Data Encryption
Prevention Fraud
Protection for purchase

31. PayPal’s competitors
Go mobile with your money.
Obopay is the first truly
comprehensive mobile payment
service in the United States.
Find it with Google. Buy it with Google Checkout.

32. PayPal’s Security Tools-Phishing
Iconix® Truemark Email Identification

33. Security Key
PayPal’s Security Tool for
-Identity Theft

34. PayPal’s Security Tool for
-Identity Theft
IE Color FireFox Color
Safer Web Browsers

35. Awards! More than 20!

36. PayPal and the Future of Money

38. Something will never change in future