Investor Presentaiton

Cross-Border Trade (CBT) CBT volumes showing signs of improvement, up 4% FXN Cross-Border Trade TPV ($B) 49 44 45 45 45 43 Q4-21 Q1-22 Q2-22 Q3-22 Q4-22 Q1-23 Y/Y Growth 5% (7%) (12%) (9%) (7%) -% FXN Y/Y Growth 7% (4%) (6%) (1%) -% 4% Share of Total TPV 14% 14% 13% 13% 13% 13% . CBT TPV was $45B, flat on a spot basis and growing 4% FXN, driven by intra-European corridors, partly offset by softness in EU-UK and U.S.-China corridors о CBT TPV represented 13% of TPV, compared to 14% in Q1-22 • Cross-border trade primarily comprises e-commerce goods-related activity and has limited exposure to the recovery of travel Note: In a typical purchase transaction, cross border TPV is counted in the region where the merchant is located. For example, in the case of a U.S. seller and a German buyer, the TPV is counted in the U.S. PayPal ©2023 PayPal Holdings, Inc. Q1-23 Investor Update • 13

View entire presentation