By Roshan Karunarathna

A brief introduction

There Business Methods

Technologies they use

Benefits to users and buyers

Security features

Future with paypal

Contents

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

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

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

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.

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

Region

Choose your Account

New Account Information

Submit

Enter Your Credit Card

Number

Click Here to Continue

PayPal Helps Bring You New Customers

17

PayPal is:

Secure

Simple

Fast

Drivers of ConsumerDemand for PayPal PayPal Growth

► Over 201M accounts

► 190 countries

► 24 currencies

► 1000s of merchants add PayPal every year

The PayPal Value Proposition

PayPal user accounts

12M

96M201M

2001 2005 20091999

Leading Global Brands Accept PayPal

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

CustomerMerchant

Processor

Payment Processing

Service

Secure transactions

Pay with flexibility

Save time

International shopping

PayPal’s Benefit to Buyers

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

Sell with more savvy

Sell with ease

Sell with confidence

Accept debit and credit cards

Get fast access to your money

PayPal’s Benefit to Sellers

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

PayPal enables global tradeCan 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

RevenueOnline 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

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

PhishingMass Email Phishing Email Fraudulent Website (Spoof)

Spoofed Website

Buyer & Seller Safely

Data EncryptionData Encryption

Prevention FraudPrevention Fraud

Protection for purchaseProtection for purchase

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.

PayPal’s Security Tools-PhishingIconix® Truemark Email Identification Iconix® Truemark Email Identification

Security KeySecurity Key

PayPal’s Security Tool for-Identity Theft

PayPal’s Security Tool for -Identity Theft

IE Color FireFox Color

Safer Web BrowsersSafer Web Browsers

Awards! More than 20!

PayPal and the Future of Money

Something will never change in future

Thank You!