By Jun Yang, Zhenyin Yang, and Srinivasan Manoharan, based on the AI/ML modernization journey taken by the PayPal Cosmos.AI Platform team in the past three years. Source: Dall-E 3 AI is a transformative technology that PayPal has been investing in as a company for over a decade. Across the enterprise, we leverage AI/ML responsibly to address a wide range of use cases — from fraud detection; improving operational efficiencies; providing personalized service and offers to customers; meeting regulatory obligations, and many more things. To accelerate PayPal’s innovation and deliver ..read more

AI is a transformative technology that PayPal has been investing in as a company for over a decade. Across the enterprise, we leverage AI/ML responsibly to address a wide range of use cases — from fraud detection; improving operational efficiencies; providing personalized service and offers to customers; meeting regulatory obligations, and many more things. To accelerate PayPal’s innovation and deliver incredible value to our customers through technology, we are working to put the innovative power of artificial intelligence into the hands of more employees across different disciplines and ..read more

By Ilay Chen and Tomer Akirav At PayPal, hundreds of thousands of Apache Spark jobs run on an hourly basis, processing petabytes of data and requiring a high volume of resources. To handle the growth of machine learning solutions, PayPal requires scalable environments, cost awareness and constant innovation. This blog explains how Apache Spark 3 and GPUs can help enterprises potentially reduce Apache Spark’s jobs cloud costs by up to 70% for big data processing and AI applications. Our journey will begin with a brief introduction of Spark RAPIDS — Apache Spark’s accelerator that leverages ..read more

Photo by fabio on Unsplash PayPal supports over 400 million active consumers and merchants worldwide. Every minute there are several thousand payment transactions. To prevent fraud in real-time at such a scale, we need to streamline our ML workflow and feature engineering processes to build strong predictors of behaviors and risk indicators. On top of that, it must be done with consistently predictable Time to Market (TTM) and sustainable Total Cost of Ownership (TCO). What is declarative feature engineering? While the declarative feature engineering term was first introduced by Zipline A ..read more

In the ever-evolving landscape of software development, productivity and efficiency have become paramount to success. Developers are constantly juggling multiple tasks, from navigating complex codebases to integrating third-party services, all while maintaining the highest quality standards. To address these challenges, it is crucial to equip developers with the right tools and capabilities to optimize their workflows and enhance their overall experience. How the PayPal Visual Studio Code Extension Simplifies Developer Experience The PayPal Visual Studio (VS) Code extension offers a streamlin ..read more

Recurring payments have become an integral part of the modern digital economy, offering convenience and predictability for both consumers and businesses. Our previous post highlighted different methods of integrating Apple Pay® with PayPal. This blog explores recurring payments using PayPal and Apple Pay, showing how using it can streamline transactions and benefits end users. How Recurring Payments with PayPal and Apple Pay Work A recurring payment is an agreement between a buyer and a merchant. It allows the merchant to charge the buyer’s chosen payment instrument (typically a cre ..read more

Accepting online payments is now a universal must-have, catering to everyone from solo entrepreneurs to massive global corporations. PayPal’s Standard Checkout allows for seamless integration of PayPal’s Payment Buttons component into your e-commerce app, granting you the power to accept online payments. In this guide, I am going to show how to add Standard Checkout to a simple shopping app, built with HTML and NodeJS. Guide Overview Part 1. Prerequisites Part 2a. Basic Integration — Code Setup Part 2b. Basic Integration — Checkout Flow Part 3a. Custom Integration — Code Setup Part 3b. Cu ..read more

The world of technology is constantly evolving, and developers are at the forefront of this dynamic landscape. Staying updated on the latest trends, tools, and innovations is not just a choice but a necessity for those in the tech industry. That’s why PayPal’s Developer Meetup at Money20/20 in Las Vegas this October should be on every developer’s radar. In this blog, we’ll delve into why developers should care about and attend this event. The event will be on October 23 at Meeting Room 2404 in the Venetian from 4–6 p.m. PST. Connect with PayPal’s Leadership Ever wished you could pick the ..read more

In the fast-paced digital payment world, seamless integration is essential for developers aiming to embed PayPal into their applications. This is particularly important when integrating with payment gateways, like PayPal, which are pivotal in ensuring successful and secure transactions. Traditional challenges in local integration environments involve time-intensive configuration, potential issues due to environment disparities, security complexities with sensitive data, and the burden of continuous maintenance to adapt to changing needs. To streamline the integration process for developers an ..read more

Source: by jannoon028 on FreepikIntroducing ATO and Graph Account takeover is a fraud risk in online payments that PayPal takes seriously and works actively to preempt to protect our customers’ money and trust. At PayPal, use of a real-time graph database — a data structure that describes the relationships between the objects by using an edge to represent a relationship, and a vertex to represent an object — has helped a lot in fighting fraudulent behaviors such as account take over as reviewed in another previous technology post. There are many clues during online activities to ..read more