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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.

Inclusive Globalization: Small Businesses, Digital Entrepreneurship and Trade in Emerging Markets

Critics of globalization are weary that the sole winners in emerging markets are large enterprises that can take on the costs associated with selling internationally. The expansion of the internet economy, however, has fundamentally changed the economics of cross-border trade and could broaden SME participation in the global supply chain and yield a more inclusive form of globalization. As a champion for small businesses around the world, PayPal sees evidence that small businesses in Argentina, Colombia, India, Kenya, Vietnam and South Africa are realizing the benefits of globalization and trade.

Open Banking Asia Report

Open Banking in Asia is emerging as a topic that can really change the consumer experience in terms of how they access their data and access service such as payments. The payments industry in Asia can learn from other global markets, but the opportunity is also for Asia to be the master of its own destiny. PayPal partnered with the Emerging Payments Association (EPA) of Asia along with Asia Pacific Financial Forum (APFF) to conduct regional research on Open Banking across Asia. The research consists of fundamental market research, a regional survey (targeted at payment professionals), and also a supplier directory of firms involved in Open Banking.

Small Business Growth in Europe: Digitization is Enabling EU SMEs to Expand Globally

European small businesses play a central role in the EU economy. They add jobs, stimulate growth and build communities. The growth of digital commerce provides more opportunities for entrepreneurs to expand across the EU and around the world. However, there remains untapped potential for small businesses as barriers still persist for full global expansion. Digitization can address some of those barriers as it democratizes commerce and changes the calculus of who can fully engage in cross-border trade.

Time is Money: How Digital Remittances Save Valuable Time for Americans and their Families around the World

Hundreds of millions of people send and receive international remittances every year. Over 258 million people currently live outside their country of birth. This number is up from 173 million in the year 2000. Sending money back home to family is a part of the social contract many of these migrants make when they leave in search of a better life. Unfortunately, the process for sending and receiving remittances remains archaic and ultimately costs migrants and their families millions of hours and billions of dollars every year.

Digital Commerce: How Canadian Small Businesses are Growing and Trading Internationally

Canada is a global powerhouse for important trade sectors and the global trade environment is rapidly evolving due to the proliferation of technology, in particular internet and mobile technology. This transformative technology creates opportunities for even the smallest of businesses to effectively reach customers across Canada and around the world. As a global e-commerce ecosystem leader, and a champion for Canadian entrepreneurs, PayPal sees firsthand how digital solutions can help Canadian businesses harness the power of the digital economy to innovate and grow.

Financial Health for the Future of Work

Retail financial services were designed for a world where individuals had a handful of fixed salaried jobs over the course of their lives. There is an increasing consensus that this will no longer be the case going forward. Online platform economy, entrepreneurship, socio-demographic shifts, and continued technological advances are rapidly evolving the way in which people work. The future of work presents an opportunity to reimagine the retail financial services ecosystem, institutions, and products. The public and private sector must align around the goal of enabling every worker to lead a financially healthy life in the future.

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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