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Our team is engaged on a wide range of issues around the world that matter to our PayPal customers. Explore some of the policy issues below and learn how they relate to our company and how they are viewed in the broader ecosystem. With a deep commitment to being thought leaders in the FinTech industry, we continuously release white papers that take a deeper dive into the issues. Explore our archive of policy papers below.


Read about some of the policy issues our team is engaging with around the world. Learn about each issue and how it relates to our company. Then discover how the broader ecosystem is approaching these issues with the latest research, positions and policy proposals.

Anti-Money Laundering & Know Your Customer

As a global financial services provider, PayPal is committed to compliance with all applicable laws and regulations regarding Anti-Money Laundering (“AML”).

Cross Border Trade

PayPal is a global payments platform that is available to people in more than 200 markets, allowing customers to get paid in more than 100 currencies, withdraw funds to their bank accounts in 56 currencies and hold balances in their PayPal accounts in 25 currencies.


PayPal engages with policymakers and law enforcement around the globe to fight cybercrime. Phishing and identity fraud threaten the development of the online economy, and PayPal is committed to keeping e-commerce safe for consumers.

Financial Participation & Health

The World Bank estimates that 2 billion adults (38% of adults in the world) are unbanked, but significantly more people than that are under-banked and underserved by the financial system.

Mobile Payments

Mobile is revolutionizing how people engage with their financial services. Smartphones provide people with a convenient, secure and affordable way to move and manage their money.

Online Consumer Lending

Consumers are finding that new technologies are making online loans more accessible, simple, and affordable. PayPal Credit is a unique credit option that provides consumers access to an instant credit line at the time of checkout online.


As a global commerce platform, PayPal understands the critical importance of data security and privacy. Our goal is to work with policymakers to promote privacy legislation that creates a uniform standard that’s technologically neutral and based on the Fair Information Practice Principles.


The World Bank estimates that globally, immigrants will send more than $600 billion in remittances in 2016. The remittance market is a valuable external source of funding for many families around the world.

Small Business Lending

Small businesses play a critical role in the global economy. They hire more people, they strengthen communities and they drive economic impact.

Policy Papers

The PayPal Public Policy Team strives to be thought leaders in the FinTech arena and provide innovative solutions to the underserved. Our archive of policy papers dives into the broader research around these policy issues, products and solutions.

FinTech Cybersecurity: An ASEAN Outlook

Southeast Asia’s FinTech sector is growing at an exponential rate. While it oers many benefits for the region and beyond, rapid digital adoption in the ASEAN region has also created an opportunity for malicious actors to attack organizations and unsuspecting end-users alike. The COVID-19 pandemic has only increased reliance on the internet, giving fraudsters greater access to susceptible individuals to perpetrate cybercrime.

The Digital Opportunity: COVID-19 Pandemic Impact on European SMEs

It has been over a year since the COVID-19 pandemic began spreading across Europe and around the world, triggering a public health crisis and devastating the global economy. The economic crisis, while challenging to so many, has had a disproportionate impact on small and medium-sized enterprises (SMEs). Periodic lockdowns and public safety guidelines affected consumer spending patterns in particular for local SMEs.

The Power of Indigenous Entrepreneurship in Canada

Small businesses are at the heart of Canada’s economic success. As a global leader in the e-commerce ecosystem and a champion of Canadian entrepreneurs – particularly those from underserved communities — PayPal has seen first-hand how digital solutions can help businesses harness the power of the digital economy to innovate and grow. As a company, PayPal has a responsibility to empower people so they can participate in not only the local economy, but also the global marketplace. We are committed to making sure every single person can exercise that right and in turn, improve their financial wellness, no matter where they live or what their circumstances.

The Small Business Silver Lining: A Study Of Digital Small Businesses During The Covid-19 Pandemic

The COVID-19 virus has led to an unprecedented public health crisis that has also devastated the U.S. economy. One of the hardest hit segments of the economy has been small- and medium-sized businesses (SMBs). The quarantine and shutdown orders led to a suspension of local economic activities and loss of jobs and income, which further depressed consumer spending, particularly for local in-person services. The lack of revenue led to a cash flow crunch for many SMBs and has already resulted in permanent closures of many SMBs, and we may see more in the months ahead.

Alternative SMB Financing: Fueling Underserved Entrepreneurs

Small businesses continue to play an overwhelming role in the health of our economy and local communities. Enabling their access to capital, particularly in the early years of development, is critical to allowing them to grow and thrive. Innovative methods of financing are democratizing opportunity for entrepreneurs, particularly in low-income and distressed areas of the country. The use of new information and metrics to assess risk is closing the gap for underserved entrepreneurs like minority and female-owned businesses. Encouraging this innovation and supporting our entrepreneurs creates a healthier ecosystem and encourages a new generation of small business owners to launch in their communities.

Financial Health for the Future of Work in Singapore

The future of work in Singapore will see fundamental changes wrought by rapid adoption of technological changes such as automation, machine learning and artificial intelligence; the rise of the gig economy and independent work; socio-demographic changes such as ageing; as well as the increasing attractiveness of entrepreneurship as a career path. Singapore’s greatest resource is its workers and the Singapore government has invested heavily in policies to help prepare them for the changing skill requirements of a new world of work. This research paper is the first to consider the implications of the future of work on the financial sector and on the financial health of Singaporeans.

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Global Public Policy and Research Update: Policies to Improve Financial Health and Expand Economic Opportunity in America Read Our Policy Brief Read Our Policy One-Pager