合作核心内容 - PayPal与OpenAI达成合作，成为首个嵌入ChatGPT的数字钱包，用户可直接在平台内完成支付[2][3] - 该合作使ChatGPT用户能使用PayPal购买在平台内发现的商品，交易无需离开ChatGPT环境[3][4] - 合作不仅支持消费者支付，还使PayPal数百万商户能通过领先的AI工具销售产品[4] - 与支付工具Stripe不同，PayPal是首个允许用户使用存储资金在ChatGPT内购物的数字钱包[5] 合作潜在影响 - ChatGPT拥有超过7亿周活跃用户，远超PayPal用户数，可能为PayPal生态系统引入大量新用户并提升平台支付量[7] - 此次合作是公司推动盈利增长加速至管理层设定的20%以上目标的最新举措之一[8] - 公司近期还宣布与Alphabet旗下谷歌合作，共同开发跨平台商务工具，处于AI购物领域前沿[11] 公司财务表现 - 第三季度调整后每股收益同比增长12%，支付量增长8%至年化超过1.8万亿美元[9] - 业务产生23亿美元自由现金流，业绩远超投资者预期[9] - 公司当前交易价格低于管理层2025年盈利指引的14倍，自由现金流倍数更低[10] - 过去几年公司积极回购股票[11]

Cash or credit? They’re both forms of payment, but according to experts, some forms are better than others when it comes to paying for holiday expenses. In a new survey from PwC, shoppers were asked about their preferred payment methods for holiday spending. According to survey respondents, debit cards were their No. 1 preferred payment method (55%), followed by credit cards (52%), cash (48%), gift cards/prepaid cards (27%), PayPal (27%) and loyalty points/rewards (17%). Read Next: Here’s How to Fix Your ...

公司业绩表现 - 第三季度总支付额同比增长8%至4580亿美元 [4] - 第三季度调整后每股收益同比增长12% [4] - 尽管年初至今股价下跌16.7%，但第三季度业绩显示公司转型正在见效 [1] 业务板块进展 - 先买后付业务支付额增长20%，目标到2025年处理近400亿美元BNPL总支付额 [4] - Venmo支付额增长40%，并在9月创下10亿美元单月总支付额记录 [4] - Venmo第三季度整体支付额增长14%，较去年同期的9%有所加速，连续第四个季度快速增长 [5] - Venmo预计2025年收入将达17亿美元，同比增长超过20%，成为公司高增长板块和利润率扩张关键贡献者 [5] 战略与领导力 - 在首席执行官Alex Chriss领导下，公司正变得更强大、增长更快、盈利能力更强 [3] - 公司复苏由多元化业务引擎推动，包括品牌结账、Venmo、BNPL和企业支付平台 [3] - "PayPal Everywhere"项目旨在使PayPal和Venmo成为所有商业形式的默认支付选项 [6] - 公司计划覆盖所有结账点，包括在线、店内以及通过谷歌、OpenAI和Perplexity开发的人工智能代理等新兴渠道 [6] 增长潜力与前景 - 随着2026年临近，公司在盈利能力、创新和长期增长潜力方面的平衡使股票值得重新关注 [1] - 尽管规模庞大，但Venmo的货币化跑道仍然广阔 [6]

自明年起，ChatGPT 用户可直接通过 PayPal 完成支付，商家也能在该平台上销售商品。该协议标志着 OpenAI 在将 ChatGPT 拓展至电子商务领域方面迈出 新一步。 IT之家 10 月 28 日消息，贝宝（PayPal）宣布与 OpenAI 达成协议，将成为首个整合进 ChatGPT 的数字钱包服务。受此消息影响，PayPal 盘前一度暴涨 14%。 PayPal 首席执行官亚历克斯・克里斯（Alex Chriss）表示："我们拥有数以亿计忠诚的 PayPal 钱包用户，他们今后只需点击 ChatGPT 上的'使用 PayPal 购 买'按钮，即可享受安全、便捷的结账体验。" PayPal 称，公司将为其商家在 ChatGPT 内处理支付路由、交易验证及其他后台支付流程，无需商家单独与 OpenAI 签约。所有参与方 —— 消费者与商家 —— 均已通过 PayPal 验证，这将有助于降低交易欺诈风险。用户可通过关联的银行账户、信用卡或 PayPal 余额付款，并享受交易保护、包裹追踪及纠纷处 理服务。 克里斯补充说："这不仅是让交易发生，而是让一个由全球最大、最可信的商家与消费者组成的网络安全 ...

PayPal Holdings Inc's (NASDAQ:PYPL) comeback story may not be about a new product — but a new generation. Responding to analyst questions over its third-quarter earnings call, CEO Alex Chriss said the company is aligning itself with how younger consumers are reshaping the very idea of credit.PYPL stock is surging in response to earnings beat, here.‘A Real Shift To Buy Now, Pay Later’Chriss told investors during PayPal's earnings call that the company sees "three pretty significant generational shifts right ...

PayPal (NasdaqGS:PYPL) Q3 2025 Earnings Call October 28, 2025 08:00 AM ET Company ParticipantsAlex Chriss - CEOJamie Miller - CFO and COOSteve Winoker - Chief Investor Relations OfficerConference Call ParticipantsHarshita Rawat - AnalystDan Dolev - AnalystDarrin Peller - AnalystJason Kupferberg - AnalystSanjay Sakhrani - AnalystTien-Tsin Huang - AnalystWill Nance - AnalystTimothy Chiodo - AnalystOperatorGood morning and welcome to PayPal's third quarter 2025 earnings conference call. My name is Sarah, and I ...

PayPal (NasdaqGS:PYPL) Q3 2025 Earnings Call October 28, 2025 08:00 AM ET Company ParticipantsAlex Chriss - CEOJamie Miller - CFO and COOSteve Winoker - Chief Investor Relations OfficerConference Call ParticipantsHarshita Rawat - AnalystDan Dolev - AnalystDarrin Peller - AnalystJason Kupferberg - AnalystSanjay Sakhrani - AnalystTien-Tsin Huang - AnalystWill Nance - AnalystTimothy Chiodo - AnalystOperatorGood morning and welcome to PayPal's Third Quarter 2025 Earnings Conference Call. My name is Sarah, and I ...

PayPal (NasdaqGS:PYPL) Q3 2025 Earnings Call October 28, 2025 08:00 AM ET Speaker2Good morning and welcome to PayPal's third quarter 2025 earnings conference call. My name is Sarah, and I will be your conference operator today. As a reminder, this conference is being recorded. I would now like to turn the program over to your host for today's conference, Steve Winoker, PayPal's Chief Investor Relations Officer. Please go ahead.Speaker5Thanks, Sarah. Welcome to PayPal's third quarter earnings call. I'm joine ...

Accessibility StatementSkip Navigation PayPal's tens of millions of merchants will soon be discoverable in ChatGPT, helping connect consumers to businesses that they love SAN JOSE, Calif., Oct. 28, 2025 /PRNewswire/ -- PayPal, Inc. today announced it will adopt the Agentic Commerce Protocol (ACP) to expand payments and commerce in ChatGPT. Millions of ChatGPT users will be able to check out instantly using PayPal, and PayPal will support payments processing for merchants leveraging OpenAIÂ Instant Checkout. ...

PayPal (PYPL) will release its third-quarter 2025 earnings on Oct. 28. Despite a resilient U.S. labor market and steady consumer spending throughout the year, PayPal’s stock has struggled, falling 17.1% year-to-date. The decline reflects investor concerns over growing competition in the fintech space and broader macroeconomic uncertainty weighing on the sector. While its stock has underperformed in 2025, PayPal’s financial performance has shown signs of strength. During the first half of 2025, the company ...