Investor Presentaiton

Driving PayPal network with suite of unbranded solutions Serving customers across digital commerce with industry-leading authorization rates P PayPal Braintree Braintree delivers best-in-class, enterprise-grade processing for merchants who need sophistication and customization Open ecosystem and global orchestration platform Meaningful value-added services including risk, back- office automation and payouts PayPal Complete Payments (PPCP) PPCP is an end-to-end, full stack payments platform serving SMBs and partners Complete suite of services for SMBs with simple integration and omni capabilities Scalable platform for channel partners who need to onboard SMB sellers en masse Braintree and PPCP merchants access the latest integration paths, enabling best-in-class merchant and consumer experiences for PayPal, Venmo and Pay Later checkout, in addition to offering other APMs (1) Processing unbranded payments establishes new merchant relationships and deepens existing ones, strengthening PayPal's value proposition and enabling cross-sell of services such as back-office automation, dispute resolution, FX, invoicing, in-store processing, merchant lending, payouts and risk Processing at this scale provides additional data to grow PayPal's industry-leading consumer and merchant network and inform the development of next-generation checkout experiences (1) Alternative payment methods PayPal ©2023 PayPal Holdings, Inc. Q1-23 Investor Update ⚫8

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