Inside PayPal: A global payments network expanding into omnichannel and agentic commerce

PayPal operates a two-sided digital payments network connecting millions of merchants and consumers globally. The company generates revenue through transaction processing fees, branded checkout, and value-added merchant services like risk and FX,,. Serving everyone from large enterprises to Gen-Z consumers via Venmo, leadership is transforming PayPal from an online payments button into a comprehensive omnichannel commerce platform,.

To accelerate growth, strategic priorities center on upgrading merchants to a modernized, frictionless checkout experience paired with biometric authentication,. The company is also heavily prioritizing Buy Now, Pay Later (BNPL) expansion by moving offers upstream in the shopping journey, alongside establishing early leadership in AI-driven agentic commerce,.

What You'll Learn. You will hear how executives like Alex Chriss and Jamie Miller are navigating the challenges of untangling a decade of legacy bespoke merchant integrations that have slowed their checkout modernization rollout,. They also unpack the impact of macro pressures on middle- and lower-income consumer discretionary spending, while highlighting significant growth opportunities in monetizing Venmo and scaling in-store debit transactions.

All sourced directly from PayPal's own leadership at their 2025 Investor Day.