Send and receive money as easily as sending a text, across apps, borders, and currencies.
PayPal Ushers in a New Era of Peer-to-Peer Payments, Reimagining How Money Moves to Anyone, Anywhere
Send and receive money as easily as sending a text, across apps, borders, and currencies
SAN JOSE, Calif., Sept. 15, 2025 /PRNewswire/ -- On the heels of the PayPal World announcement, a global platform connecting the world's largest digital payment systems and wallets, PayPal today introduced PayPal links, a new way to send and receive money through a personalized, one-time link that can be shared in any conversation.
Creating personalized payment links | Click to Enlarge
PayPal users in the U.S. can begin creating personalized payment links today, with international expansion to the UK, Italy, and other markets starting later this month. By making payments this simple and universal, PayPal links helps drive new customer acquisition and brings more users into the PayPal ecosystem.
The peer-to-peer (P2P) experience is about to go even further. Crypto will soon be directly integrated into PayPal's new P2P payment flow in the app. This will make it more convenient for PayPal users in the U.S. to send Bitcoin, Ethereum, PYUSD, and more, to PayPal, Venmo, as well a rapidly growing number of digital wallets across the world that support crypto and stablecoins.
Expanding what people can do with PayPal also comes with reassurance around how personal payments are handled. As always, friends-and-family transfers through Venmo and PayPal are exempt from 1099-K reporting. Users won't receive tax forms for gifts, reimbursements, or splitting expenses, helping ensure that personal payments stay personal.
"For 25 years, PayPal has revolutionized how money moves between people. Now, we're taking the next major step," said Diego Scotti, General Manager, Consumer Group at PayPal. "Whether you're texting, messaging, or emailing, now your money follows your conversations. Combined with PayPal World, it's an unbeatable value proposition, showing up where people connect, making it effortless to pay your friends and family, no matter where they are or what app they're using."
P2P is a cornerstone of PayPal's consumer experience, driving engagement and bringing more users into the ecosystem. P2P and other consumer total payment volume saw solid growth in the second quarter, increasing 10% year-over-year as the company focused on improving the experience and increasing user discoverability to make it easier than ever to move money globally. Plus, Venmo saw its highest TPV growth in three years. With PayPal World unlocking seamless interoperability, P2P is poised for even greater momentum in the future as PayPal and Venmo connect to billions of wallets worldwide.
How PayPal links work:
- Create a personalized link – Open the PayPal app, enter the details of your payment or request, and generate a unique, one-time link to share.
- Always the right person – Each link is private, one-time use, and created for a specific transaction.
- Drop it anywhere – Send your link in a text, DM, email, or chat. Add a note, emoji, or payment note.
- Manage payment activity: Unclaimed links expire after 10 days. Users can send a reminder or even cancel the payment or request before the link is claimed with the PayPal app.
- Tap and done – The recipient taps the link and either completes or accepts the payment within the PayPal App with their PayPal account.
- Funds are instant – the recipient will get immediate access to their funds with a PayPal Balance account once accepted.
About PayPal
PayPal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, PayPal empowers consumers and businesses in approximately 200 markets to join and thrive in the global economy. For more information, visit https://www.paypal.com, https://about.pypl.com/ and https://investor.pypl.com/.
About PayPal USD (PYUSD)
PayPal USD is issued by Paxos Trust Company, LLC, a fully chartered limited purpose trust company. Paxos is licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. Reserves for PayPal USD are fully backed by U.S. dollar deposits, U.S. Treasuries and similar cash equivalents, and PayPal USD can be bought or sold through PayPal and Venmo at a rate of $1.00 per PayPal USD.
PayPal, Inc. (NMLS ID #: 910457) is licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services.
Media contact
Gideon Anstey
gbanstey@paypal.com
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Comments
Is this a legitimate alternative domain name for PayPal, or is it a parody or phishing site? It's not paypal.com.
Apparently it's legit: https://news.ycombinator.com/item?id=45250319
It’s so dumb because they are training everyone to be phished by scammers.
By unstatusthequo 2025-09-163:012 reply Nice of them to cause confusion to make phoning easier. No, corp.paypal.com/news or PayPal.com/corp/newsroom etc weren’t a good idea. I’d love to hear how decisions like this get made.
I’ve always felt that we need a tool to be able to answer such a question.
My bank also uses a different hyphenated domain name on emails… another use case could be to check for legit social media profiles cause fakes are popular too and may not be discernible for regular grass touching not-so-online in 2025 individual.
I'm both surprised they didn't already, and am more surprised people are still willing to even use PayPal at this point.
I've had a PP merchant account for well over a decade, to sell a boring, non computer related gadget. I make roughly one sale per business day, with typical statistical variation. PP has been nearly 100% reliable.
Some advantages for me:
1. I don't touch your credit card or personal info. I don't want to know those things. I don't want to be responsible for keeping them secure.
2. Integration with the post office for generating shipping labels is seamless.
3. I think people are more confident to buy something from a little known business if they feel that PP is protecting them. The increase in sales probably covers the PP fee.
4. I can run my business from a passive web page. All of the other services require me to manage some kind of server, running code, that I become responsible for maintaining. I love coding, but don't want it to be part of this business.
From reading articles and forum posts two main sources of horror stories seem to be:
1. People who just seem to be "accident prone" in terms of getting into disputes with others.
2. Selling non-physical goods, which I can only imagine has its own pitfalls that I don't know about.
Paypal is good as a consumer. You can buy stuff without giving random sites your card details, and paypal is willing to refund purchases if you have a legitimate issue and the seller refuses to cooperate with you.
My wife placed a large clothing order some months back, but the package got ripped in transit and we only received about a quarter of it. The seller company refused a refund because the tracking data said "delivered", even though I was able to get confirmation from USPS that the package weight in transit lost most of it's weight between two shipping centers. The fact that we placed the order through paypal ended up saving us, we were able to bring them in as a mediator and they got us a refund.
In the real world, not in computer user world, people use what is avilable to them that works. Paypal is that.
By root_axis 2025-09-1520:49 PayPal is an excellent product for consumers. The periodic horror stories that appear on this site are relatively rare and typically only affect businesses.
By WhereIsTheTruth 2025-09-1613:47 I used to use both PayPal and Stripe for my online business
Stripe would occasionally charge me an obscene amount of money to pay for the bank "charge back" fees
I never had this issue with PayPal; i usually get dispute cases, but they always get positively closed
My only issue with PayPal is their devise conversion fees, i'd argue their behavior there constitutes fraud.. and their UX, their web interface is painfully slow
By egypturnash 2025-09-160:022 reply I do art for a very queer market and lately I've been trying to get people to pay me via Zelle, because using Paypal is putting pennies in the pocket of rich dipshits like Elon Musk or Peter Thiel, who put that money into Republican candidate pockets.
Next to nobody's budged. It's all Paypal. I'm taking a class and I paid the teacher via Venmo, which is a fucking Paypal company. It's so damn entrenched. When the fuck can I take payments for furry porn via FedNow instead of giving money to these jerkwads.
It's pretty convenient when it's offered as a checkout option and it lets you avoid filling in your details yet again.
I wouldn't store any money in it though.
By TacticalCoder 2025-09-1521:03 [dead]
The whole purpose of crypto is to exchange money online like we exchange cash in person, so who wants PayPal as a middleman on a tech designed not to have a middleman? Who will use that
By em3rgent0rdr 2025-09-1520:421 reply PayPal 20 years ago made it easy to engage in internet commerce across various world currencies. And now users of PayPal have an easy way to commerce with two more world currencies using a familiar trusted interface. Another way PayPal as the middle man helps: "Unclaimed links expire after 10 days", which sounds like it avoids the problem of accidentally sending bitcoin into the void.
That's the purpose of crypto, yes. As it turns out people like having trusted authority in their money movements, and so now we're watching the crypto world just re-invent the financial industry basically as a digital twin.
Just look at Tether, the darling of the stablecoin world, which is minted by a handful of institutional clients. If you squint hard enough, you can see the banks.
For people who won't setup any wallet this can be useful. Self custody wallets are scary for some users.
By ares623 2025-09-1523:33 The duality of crypto.
"Paypal is horrible. With bitcoin, you won't need Paypal anymore!"
"Paypal supports bitcoin. This is good for bitcoin."
By 3RTB297 2025-09-1615:12 I think the opportunity here is getting money from a bank account to an ETH or BTC wallet using "normal" means and not setting up a new account on a crypto exchange. Unless you're getting a paycheck in crypto, someone has to be a middleman.
Absolutely. Cryptocurrency should make payment middlemen obsolete. PayPal should get laughed out of the building here. It's incredible that this has any legs at all. This thread should be full of the names of Ethereum wallets.
MetaMask, Trezor, MEW, Status
By skybrian 2025-09-1521:28 I imagine that most people who use cryptocurrency for payment at all will still need to convert it to something else sometimes. Attempting to use it for everything would be pretty hardcore.
By yownie 2025-09-160:10 >so who wants PayPal as a middleman
The governments that are threatened by private citizens transacting outside their purview obviously.
By DebtDeflation 2025-09-1520:37 Decentralized Finance!
By thrance 2025-09-169:52 > The whole purpose of crypto is to exchange money online like we exchange cash in person
No, the whole purpose of crypto is to provide an unregulated financial playground for speculation and scams. As they say, "the purpose of a system is what it does".
By kylebenzle 2025-09-1522:39 [dead]
By Yizahi 2025-09-1521:18 Scammers, who will need to exit the scheme at some point, while laundering gains in the process. Good thing techbros at PayPal will help with that minor nuisance :)
