How PayPal Makes Money (2026)
PayPal makes money mainly from Transaction revenue. Its FY2025 total revenue was $33,172 million ($33.2 billion), with Transaction revenue the biggest disclosed revenue line at $29,798 million ($29.8 billion) and 89.8% of total revenue (computed from the 10-K FY2025). PayPal earns fees for completing payments and providing related services.
Last checked 2026-10-18 on the official pages.
Revenue breakdown
Amounts in millions of USD. Shares are computed from the filing.
| Revenue line | Value | % of total | Filing |
|---|---|---|---|
| Transaction revenue | $29,798 million ($29.8 billion) | 89.8% | 10-K FY2025 ↗ |
| Other value-added services | $3,374 million ($3.4 billion) | 10.2% | 10-K FY2025 ↗ |
| Total revenue | $33,172 million ($33.2 billion) | — | 10-K FY2025 ↗ |
The hidden model
PayPal earns fees for completing payments and providing related services.
PayPal earns fees for completing payments and providing related services. verified
We earn revenues primarily by charging fees for completing payment transactions for our customers and other payment-related services, which are typically based on the volume of activity processed on our payments platform.
Business models
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Frequently asked questions
How does PayPal make money?
PayPal makes money mainly from Transaction revenue. Its FY2025 total revenue was $33,172 million ($33.2 billion), with Transaction revenue the biggest disclosed revenue line at $29,798 million ($29.8 billion) and 89.8% of total revenue (computed from the 10-K FY2025). PayPal earns fees for completing payments and providing related services.
What is PayPal’s business model?
PayPal’s business model is Payments Network. Connect or serve merchants, consumers, and financial institutions. Charge for payment acceptance, processing, settlement, or related services; the fee basis varies by product. PayPal earns fees for completing payments and providing related services.
What is PayPal’s hidden model?
PayPal earns fees for completing payments and providing related services.