Why, what is the play here? I know PayPal is used extensively in some countries (like Brazil?) but in most countries there are other/local services that have substantial market share and I do not think that PayPal can compete.
Stripe and Advent have made a joint offer to acquire PayPal – sources
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Re: Stripe and Advent have made a joint offer to acquire PayPal – sources
#32Earlier quoted context omitted.
If it's a card-not-present transaction, Visa or MasterCard is making the bulk of the commission and forcing the vendor to take on the risk of a transaction without a PIN or password. At least the others offer the hope that maybe some customers will pay directly from a Stripe/PayPal account, without the high commission and high risk of a Visa/MasterCard network transaction.
Not true. Visa and Mastercard don't make the bulk of the commission. When a merchant pays a standard 2.9% + $0.30 fee on a credit card transaction the issuing bank gets roughly 1.5-2.5% for interchange, which is the bulk. The processor or acquirer gets anywhere from 0.2-0.5% and the card network gets only about 0.1-0.15. Also, PayPal does not lower a vendor's commission. If they pay with a PayPal cash balance, PayPal…
Upvote because AFAIK this is true. Not sure why your comment was downvoted to dead just a few minutes ago.
Re: Stripe and Advent have made a joint offer to acquire PayPal – sources
#33thrilled that stripe is buying paypal
Re: Stripe and Advent have made a joint offer to acquire PayPal – sources
#34PayPal user for 20+ years and it is time to end that dross
Nah, I hate them with a passion as a merchant but I absolutely love them as a buyer and customer.
There is a reason why after all these years and other solutions they're still everywhere, and it's not because of their great tooling, their low fees or their awesome support for merchant. It's not because of market lock in either, at least here in Europe they're merely a middle man between my credit card or sepa bank account and the merchant. It's because buyers trust it.
Buyers don't trust stripe. Stripe is for the merchant.
Re: Stripe and Advent have made a joint offer to acquire PayPal – sources
#35Paypal is quite popular in Germany but with Wero that popularity will decrease significantly. I expect that all around the Europe.
I like your optimism.
Re: Stripe and Advent have made a joint offer to acquire PayPal – sources
#36I really do not grasp business when PayPal is somehow worth over $50 Billion It doesn't have assets? It's not a bank Is it because PayPal is integrated already into so many websites? Wouldn't it take decades to make back $50 Billion in fees?
If you look at their financials, they’re clearly making money. In 2025 they had 33B in revenue with a net income of 5.2B
Re: Stripe and Advent have made a joint offer to acquire PayPal – sources
#37Why, what is the play here? I know PayPal is used extensively in some countries (like Brazil?) but in most countries there are other/local services that have substantial market share and I do not think that PayPal can compete.
Consolidation (move toward making Stripe the only game in town).
Re: Stripe and Advent have made a joint offer to acquire PayPal – sources
#38Paypal is quite popular in Germany but with Wero that popularity will decrease significantly. I expect that all around the Europe.
I have not tried Wero, but I have tried the german predecessor (paydirekt/giropay). It was ... not much less smooth than PayPal. But I’ve only ever seen a single vendor offering it. 0 for Wero so far.
Wero is essentially iDeal. iDeal is great.
Re: Stripe and Advent have made a joint offer to acquire PayPal – sources
#39PayPal user for 20+ years and it is time to end that dross
Sadly still chained to it for Discogs...
Re: Stripe and Advent have made a joint offer to acquire PayPal – sources
#40Why, what is the play here? I know PayPal is used extensively in some countries (like Brazil?) but in most countries there are other/local services that have substantial market share and I do not think that PayPal can compete.
If I'm buying something from a website and they don't offer Apple Pay, I'll opt for PayPal instead since I already have my credit/debit cards saved there and don't want to hand over numbers to a random website. Also, when I used to do more freelancing, all of my clients preferred to be invoiced and pay through PayPal (who skimmed a decent chunk of change off the top).
Not sure if either of those reasons would be what Stripe wants here, but just my two cents. I'm American fwiw.