PayPal offers a range of products and services to meet the needs of individuals and businesses. Here are some of the key products and services provided by PayPal:

·    Personal Payments: Personal Payments is a service that allows individuals to send and receive payments online. This service is free and easy to use, making it a popular choice for personal transactions such as splitting a restaurant bill or paying a friend back for movie tickets.

·      Business Payments – a service that allows businesses to send and receive payments online, making managing their finances and transactions easier. Companies can also use PayPal to process customers’ credit and debit card payments.

·    PayPal Invoicing – PayPal’s Online Invoicing service allows businesses to create and send invoices to their customers, making it easier to manage their billing and payment processes.

·      Payouts – Payouts is a service that allows businesses to send mass payments to multiple recipients simultaneously, making it a convenient option for paying team members, contractors, or affiliates.

·   Credit and Debit Cards – PayPal offers a range of credit and debit cards, including the PayPal Cashback Mastercard and the PayPal Extras Mastercard, that allows customers to earn rewards on their purchases and access their PayPal balance at ATMs.

·    Venmo – a mobile app that allows customers to send and receive money from friends and family and purchase from select merchants.

·   Xoom – a service that allows customers to send money, pay bills, and reload mobile phones for friends and family in other countries.

·    Braintree – PayPal-owned Braintree, since 2013, has offered an entire slew of options that allow businesses to customize their shopping cart within their existing platform. Braintree facilitates payment in over 40 countries in over 100 currencies and accommodates Venmo transactions, PayPal payments, and both credit and debit cards. Customers can also pay via digital wallets, ACH deposits, and various other payment methods local to users specific jurisdictions where Braintree is accepted.

Unlike most third-party payment processors, such as its parent company, customers are assigned their own merchant account when using Braintree.

·        PayPal Working Capital – PayPal Working Capital is a loan product for small businesses that allows them to access capital based on their PayPal sales history.

·    Hyperwallet – a solution that allows businesses to send payments to contractual workers and freelancers globally. PayPal’s Hyperwallet payouts enable businesses to swiftly and securely transfer payments to independent contractors, claimants, freelancers, and sellers worldwide. These payments can encompass various types of transactions, including commissions, rewards, claims, and rebates, and can be disbursed to payees with or without bank accounts, regardless of their location.

·    PayPal Honey – PayPal Honey is a collection of online shopping tools that is a part of PayPal’s offerings, assisting customers in finding bargains and earning rewards while shopping on participating websites. The company’s goal in offering the tool is to provide more ways for customers to save time and money using PayPal.

·       With the acquisition of Paidy, having developed its expertise in BNPL, PayPal launched an offering for its entire customer base known as Pay in 4. As the name suggests, customers can split payments into four installments, so long as they have an excellent-standing PayPal account, and shop with select retailers.

·       PayPal Pay Monthly – PayPal introduced a further iteration to its buy now, pay later product called “PayPal Pay Monthly.” The program allows customers to split the total cost of purchases between $199 and $10,000 into monthly payments over a period of six to 24 months, with the first payment due one month after the purchase is made. Unlike the Pay in 4 program, which only covers purchases between $30 and $1,500, “Pay Monthly” offers customers more flexibility in paying for larger purchases.

PayPal offers several lending products and services to individuals and businesses. These include:

·     PayPal Working Capital – PayPal Working Capital is a loan product for small businesses that allows them to access capital based on their PayPal sales history. This service provides quick and easy access to funds, allowing companies to grow and expand.

·      PayPal Credit – PayPal Credit is a line of credit that allows customers to make purchases, get cash advances, and take advantage of special financing offers from select merchants.

·        Bill Me Later – Bill Me Later was a lending product offered by PayPal that allowed customers to defer payment on purchases and pay for them later, with interest and fees. This service has since been integrated into PayPal Credit.

PayPal’s lending products are designed to provide merchants with quick and easy access to funds, whether they want to finance a purchase or grow their business. These services are subject to credit approval and terms and conditions, and additional fees may apply.

PayPal’s solutions also include several mobile applications, such as:

·  PayPal App – The PayPal app allows customers to manage their accounts, send and receive payments, and view their transaction history.

·        Venmo – Venmo is a mobile app that allows customers to send and receive money from friends and family and make purchases from select merchants.

·     Xoom – Xoom is a mobile app that allows customers to send money, pay bills, and reload mobile phones for friends and family in other countries.

·     Braintree – Braintree is a mobile app that provides businesses with tools for processing payments and managing their finances.

These apps are available for iOS and Android devices and are designed to provide customers with a seamless and convenient experience for managing their finances and making payments.