PayPal is positioned to become the payment processor for AI commerce through partnerships with Google and OpenAI, which the author believes will re-rate the beaten-down stock.
PYPL — LONG The author argues PayPal is losing mobile payments to Apple Pay but remains dominant in peer-to-peer via Venmo. The bull case is that PayPal is positioning to win AI commerce, with partnerships already formed with Google and OpenAI to process payments inside AI assistants. As AI payments become inevitable, the beaten-down stock will re-rate as a growth stock.
They already formed partnerships with Google and OpenAI to do just that. It is inevitable that payments will be be integrated into AI and when that happens the stock will go crazy since its been getting beaten down for so long and it will once again be a growth stock.
This Reddit post, published January 12, 2026, features u/YoungZion101 discussing PYPL. 1 trade idea extracted by AI with direction and confidence scoring.
Speakers: u/YoungZion101 · Tickers: PYPL