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PayPal logo

PayPal

Ecommerce & PaymentsLast updated: 2026-06-10

PayPal is a payments platform, reviewed for financial data sharing, AI/analytics-adjacent use, retention, tracking, and privacy controls.

ScoreLatest FindingScore BreakdownSource & EvidenceCompanyAlternatives
ScoreLatest FindingScore BreakdownSource & EvidenceCompanyAlternatives

60

Mixed

Weak
Mixed
Weak
Weak
Mixed

Overall Score

60

Mixed

AI Training:55
Weak
Data Sharing:60
Mixed
Ads & Tracking:50
Weak
Data Retention:50
Weak
User Control:70
Mixed

Overall Score

60

Mixed

AI Training:55
Weak
Data Sharing:60
Mixed
Ads & Tracking:50
Weak
Data Retention:50
Weak
User Control:70
Mixed

Latest Policy Findings: 2026-06-10

PayPal gives users real account controls, but payment metadata and marketing tracking still stay deeply tied to the account.

Strongest: User Control
70/100

PayPal is strongest where users can manage privacy settings, data requests, connected merchants, and account-level permissions directly.

Weakest: Ads & Tracking
50/100

The weakest area is the surrounding tracking and profiling layer built from payments, merchants, devices, and web activity.

Recommended Action:

Score Breakdown:

AI Training

55

Weak

55

Weak

The reviewed privacy statement does not offer a simple AI-training opt-out for all financial/account data.

-45Source [1]

PayPal publishes privacy principles and data-use disclosures for regulated financial services.

+55Source [2]

Data Sharing

60

Mixed

60

Mixed

PayPal shares data with affiliates, merchants, financial institutions, service providers, regulators, and fraud-prevention parties.

-40Source [3]

PayPal privacy principles describe choice, consent, and limited collection commitments.

+60Source [4]

Ads & Tracking

50

Weak

50

Weak

PayPal uses cookies, analytics, advertising, and personalization across sites and services.

-50Source [5]

Users can manage marketing preferences and privacy settings.

+50Source [6]

Data Retention

50

Weak

50

Weak

PayPal may retain data for years to satisfy legal, fraud, anti-money-laundering, and dispute obligations.

-50Source [7]

PayPal provides data privacy choices and erasure request paths.

+50Source [8]

User Control

70

Mixed

70

Mixed

Regulatory and fraud-prevention retention can prevent full immediate deletion.

-30Source [9]

Users can manage privacy settings, marketing choices, and data rights requests.

+70Source [10]

Source & Evidence Links:

Sources:

Paypal Privacy Page

Open: paypal.com

Legal Privacy Policy

Open: shopify.com

Evidence:

1. AI Use

The reviewed privacy statement does not offer a simple AI-training opt-out for all financial/account data.

Open: paypal.com

2. Vendors

PayPal publishes privacy principles and data-use disclosures for regulated financial services.

Open: paypal.com

Company Details:

Founded

Dec 1998

Founder

Max Levchin, Peter Thiel, and Luke Nosek

Parent Company

PayPal

Lifecycle

Active

Category

Ecommerce & Payments

CEO

Alex Chriss

Security Team

Security Team

Date Added

06-10-2026

Alternatives:

Amazon Shopping logo

Amazon Shopping

Commerce

50

Weak

BigCommerce

Commerce

60

Mixed

Facebook Marketplace

Commerce

45

Weak

Shopify logo

Shopify

Commerce

65

Mixed

Stripe logo

Stripe

Payments

65

Mixed

WooCommerce logo

WooCommerce

Commerce

70

Mixed