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      "text": "©2025 PayPal Holdings, Inc.",
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      "text": "Total Payment Volume or “TPV” is the value of payments, net of payment reversals, successfully completed on our payments platform, or enabled by PayPal via a partner payment solution, not including gateway-exclusive transactions.\nBranded checkout TPV comprises PayPal branded checkout volume and does not include volume associated with Pay with Venmo, eBay, or PayPal P2P (peer to peer).\nPSP (unbranded card processing) TPV primarily comprises Braintree full-stack volume and does not include gateway-exclusive volume. PSP TPV includes unbranded credit and debit card processing on the PayPal platform.\nP2P ex-Venmo TPV primarily comprises PayPal P2P volume, with some contribution from Xoom.\nOther merchant services TPV includes volumes associated with invoicing, Paidy, payouts (including Hyperwallet), point-of-sale solutions (including Zettle), QR code, etc.\nTotal Take Rate is total revenue divided by TPV.\nTransaction Take Rate is transaction revenue divided by TPV.\nTransaction Expense Rate is transaction expense divided by TPV.\nTransaction Loss Rate is transaction losses divided by TPV.\nCredit Loss Rate is credit losses divided by TPV.\nTransaction Margin or “TM” is total revenue less transaction expense and transaction and credit losses, divided by total revenue.\nTransaction Margin Dollars ($) or “TM$” is total revenue less transaction expense and transaction and credit losses.\nTransaction Margin Dollars excluding interest on customer balances is total revenue excluding interest on customer balances, less transaction expense and transaction and credit losses. Interest on customer balances is captured as part of Other Value Added Services (OVAS) revenue in this presentation and in our quarterly/annual SEC filings.",
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