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Management Information

System

PRIYANKA NAIR
ANIKA MARY VARKEY

Contents
SLIDE NO:
Overview

3-4

PayPal as E-business

Benefits to Buyers

Benefits to Sellers

How PayPal makes money?

How PayPal works?

10

Common Frauds

11-12

Buyer & Seller safety

13

Why use PayPal?

14

Restrictions in India

15

Limitations of PayPal

16

Future of PayPal

17-18

Conclusion

19

Overview
PayPal is a credit card processor
or also called as e-transaction
company that allows anyone with
an email address to send and
online payments.
Founded in 1998 by Peter Theil
and Max Levchin.
It is available to people in 38
countries

Overview (Contd)
Has about 40 million customers for today.
Headquarters at San Jose, California, US
In 2002, PayPal was acquired by eBay for $1.5
billion.
eBay and PayPal provide an end-to-end eCommerce solution.
Both buyers and sellers on the auction can
make money transactions easily.

PayPal As E-Business
PayPal Accounts
Merchant and Auction tools
Mass Payments
PayPal debit card
PayPal Student Account
PayPal Mobile payment
5

Leading Global Brands


Accept PayPal

Benefits To Buyers
Secure transactions
Pay with flexibility
Save Time
International Shopping

Benefits To Sellers
Sell with more savvy
Sell with ease
Sell with confidence
Accept debit and credit card
Get fast access to your money
8

How PayPal makes


Money?
Not free for seller
o The fee is usually thirty cents plus a 1.9% to 2.9%
surcharge fee
o There are about 42,000 websites that accept PayPal

There is a transaction fee on Premier and


business accounts.
While the money is in their account, they gain
interest.

How PayPal Works?

10

Common Frauds

Identity /Product theft


Phishing email
Spoofed website
ACH Fraud
Chargeback

11

Spoofed website

https://www.paypal.com/in/webapps/mpp/home

12

Buyer & Seller Safety


Data encryption
Prevention fraud
Protection for purchase
Truemark Email Identification
Security Key
Safer web browsers
13

Why Use PayPal?


Because PayPal provides an extra level of
security for your payments
Sellers and merchants never see your
sensitive financial details
They use industrys most secure data
encryption technologies and physically secure
servers that arent connected directly to the
internet.

14

Restrictions In India
Any balance in and all future payments into
your PayPal account may not be used to buy
goods or services and must be transferred to
your bank account in India within 7 days from
the receipt of confirmation from the buyer in
respect of the goods and services
Export-related payments for goods and
services into your PayPal account may not be
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exceed US$10000 per transaction

Limitations
PayPal can immediately freeze your account
and hold your money.
PayPal may limit the amount of money you
can send, receive or withdraw from your
PayPal account if they believe you are
breaking the terms of service.
General "suspicious activity" may also
generate a hold or limit on your PayPal
account.

16

Future of PayPal
Maintain and extend TPV growth.
Hit 4 million plus new active customer accounts
each quarter.
Improve operating income margin
While PayPal is a leader in the online and mobile
payment processing space, the field is getting
very crowded.
Apple, Alphabets Google, Samsung, and most
recently J.P. Morgan Chase, all have their own
digital wallet offerings.

17

Future of PayPal

PayPals done a good job of expanding its


services through acquisitions and new
products, and it will need to continue to do so
in order to fight off competition.
By 2020, the total value of payments over
mobile networks will reach $4 trillion.
Investors should look specifically for more
growth in PayPals mobile payments as an
indicator of how well its convincing users to
stick with its platform.

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Conclusion
PayPal started as a small company, and

because it had attractive security policies and


successful business, the company was
acquired by eBay. Today this is good chance
and very important opportunity for making the
business even more successful in the future.
The security level of the service offered is

high, but like PayPal most of financial


companies need to improve their security
continuously in order to make accounts safer.

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