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You get the goss with a verdict, a score out of 10, and the sources to check us.

Do we like PayPal?

Online payments, Venmo, Honey and crypto services for consumers and merchants in about 200 markets; based in San Jose, California.

Our score: 5 out of 10. Mixed. It's a huge, useful payments network, but it has a repeating record of regulator settlements over consumer and security failings. A new CEO is still resetting the company.

PayPal says it has been "revolutionizing commerce" for 25+ years and now serves about 200 markets. It's a US-listed company. Its board picked Enrique Lores as CEO in February 2026, and he started on 1 March. He had been chair since July 2024 and was previously CEO of HP Inc.

The board admitted that 2025 execution wasn't where it needed to be, especially in branded checkout. In April 2026 Lores reorganised PayPal into three businesses. Two senior executives, including the head of the consumer group, left.

Security is the weak spot. In January 2025 New York's financial regulator announced a $2m settlement over a 2022 breach. It said PayPal failed to use qualified cybersecurity staff or train them properly. Criminals reached tax forms containing Social Security numbers. PayPal didn't admit liability.

It isn't a one-off. In 2015 the US consumer watchdog (CFPB) ordered PayPal to refund $15m and pay a $10m penalty over PayPal Credit. In 2018 the FTC settled with PayPal over Venmo allegations. South Korea's privacy regulator fined it in 2023.

Its Honey coupon tool is under fire. Creators accuse it of swapping in its own affiliate cookies to take their commissions. These are allegations. One creators' suit was reported to have moved forward in June 2026 after a judge denied dismissal. That's why we land at a middling 5.

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Our take, from what the sources we read say on the day we checked. It can miss things; tap a source to read it.