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Take Rate
The percentage of processed payment volume that PayPal converts into revenue; small shifts in take rate can materially change top-line growth, so it’s a key metric for monetization strength.PayPal’s take rate has steadily drifted lower over multiple years, reflecting a structural shift toward lower‑yield volume (Venmo, PSP) and deliberate co‑marketing/rewards and modernization investments. Management confirmed take‑rate pressure in Q1 and expects targeted growth spending to be a near‑term headwind, so revenue is increasingly volume‑driven; upside now depends on successful Venmo/PSP monetization and timely execution of the $1.5B cost‑savings plan to protect margins.
Date | Take Rate |
|---|---|
Jun 30, 2026 | 1.78 |
Mar 31, 2026 | 1.80 |
Dec 31, 2025 | 1.83 |
Sep 30, 2025 | 1.84 |
Jun 30, 2025 | 1.87 |
Mar 31, 2025 | 1.87 |
Dec 31, 2024 | 1.91 |
Sep 30, 2024 | 1.86 |
Jun 30, 2024 | 1.89 |
Mar 31, 2024 | 1.91 |