Stripe and Advent Offer Over $53 Billion to Acquire PayPal in Joint Bid

Дата публикации: 17-07-2026 08:18:55

Stripe and private equity firm Advent International have offered $60.
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Stripe and private equity firm Advent International have offered $60.50 per share for PayPal, valuing the company at more than $53 billion, according to Reuters citing people familiar with the matter.

If accepted, the deal would merge two of the most popular online payment platforms into a single company, handling approximately $3.7 trillion in payments annually. The offer was made earlier this month and is backed by about $50 billion in committed financing from banks. PayPal has not yet responded.

The bid follows an earlier proposal in April. Stripe and Advent aim to advance the discussion in the coming weeks.

What Makes Stripe $53 Billion Offer Unusual and Why PayPal’s Consumer Side Matters

Rather than breaking up PayPal and selling off its parts, Stripe and Advent prefer to keep the company intact, splitting ownership evenly between them, according to people familiar with the situation.

The structure reflects the complementary nature of the two businesses: Stripe has built its operations mostly around merchants, offering software that enables companies to accept card payments, send payouts, and automate finances.

It has limited direct contact with shoppers on the consumer side. PayPal, on the other hand, has more than 430 million consumer accounts and maintains direct payment and banking relationships with the people spending the money.

Owning both ends of the transaction chain would allow Stripe to route more activity through infrastructure it controls. This could reduce its reliance on processors like Visa and Mastercard, as every card transaction processed through these networks incurs fees. Keeping more payments within a combined Stripe-PayPal system could help the company avoid some of those charges and increase revenue per transaction.

The consumer side of PayPal is seen as the main attraction. TD Cowen analyst Bryan Bergin told Reuters that PayPal's consumer products "could be attractive to materially accelerate" Stripe's development of a digital wallet. He added that a deal would give Stripe "direct consumer relationships, with a large user base and the potential for future financial-services distribution."

Beyond the digital wallet, a deal would also give Stripe access to Venmo's peer-to-peer payment network, PayPal's familiar checkout button, and direct channels for consumer financial services.

There is also a crypto aspect. Stripe has heavily invested in its crypto division, Bridge, and a large PayPal user base could offer a convenient channel to promote stablecoin payments toward mainstream adoption. Distribution has been a key hurdle for stablecoins, and PayPal's extensive user base could help address this challenge.

Whether PayPal Will Engage, Its Turnaround Effort, and Stripe’s Position

Whether PayPal's management will choose to engage remains uncertain. William Blair analyst Andrew Jeffrey stated that he does not expect PayPal's new CEO to accept what could be considered a low bid.

He also suggested that if the current offer is just a starting point, companies like Stripe and Advent could potentially raise their bids to as high as $70 per share.

Sources familiar with the situation said PayPal has not yet responded to the bid.

The bid comes at a time when PayPal is in the midst of a turnaround effort and trying to show investors it can resume growth. The company's recent history includes being founded in the late 1990s as one of the first to make digital payments routine.

It experienced rapid growth during the pandemic e-commerce boom, reaching a market value of approximately $360 billion in 2021. However, that value has declined significantly as rivals like Apple Pay and Google Pay attracted consumers away, bringing PayPal’s market cap down to around $36 billion this year. Over the past 12 months, the stock has lost more than 40% of its value.

Enrique Lores, who became CEO in March, has been restructuring the company. In April, he divided PayPal into three units focused on checkout, consumer financial services including Venmo, and payments with crypto.

In May, he announced plans to use artificial intelligence to improve operational efficiency and eliminate overlapping staff layers, though no specific details were provided.

The company estimates these efforts could save about $1.5 billion over two to three years. The underlying business has shown some signs of life. In the first quarter, revenue increased 7% to $8.35 billion, surpassing analyst expectations of $8.05 billion. Total payment volume also grew 8% year-over-year to roughly $464 billion.

What a Deal Could Mean for Users, Industry Consolidation, and What Comes Next

Stripe remains a privately held company and is among the most valuable in the payments industry. Founded in 2010 by brothers John and Patrick Collison, the company was valued at $159 billion in a February tender offer to employees and shareholders. That represents an increase of more than 70% from a similar sale a year earlier.

Stripe's high valuation and access to $50 billion in committed bank financing give it the capacity to consider acquiring PayPal, despite PayPal's larger consumer base.

For PayPal and Venmo users, the immediate impact is limited. The offer has not been accepted, and any deal would need to go through regulatory review before it could be finalized.

If a deal does move forward, possible long-term effects may include integrating PayPal and Venmo services with Stripe's merchant infrastructure, changes to fees, features, or account terms over time, expanding stablecoin and crypto payment options through Stripe's Bridge division, and consolidating checkout processes across merchants.

Users do not need to take any action now. If the deal closes and integration begins, any adjustments to accounts, fees, or services would be communicated well in advance.

For merchants using Stripe or PayPal, a combined entity could potentially offer unified payment tools for both merchants and consumers, reduce dependence on Visa and Mastercard networks for some transactions, and provide broader payment options at checkout.

A potential PayPal deal could accelerate a wave of consolidation in the global payments industry. Recent examples include Global Payments agreeing to acquire Worldpay from FIS and private equity firm GTCR for $24.25 billion in 2025, Nuvei, backed by Advent, purchasing Payoneer Global for $2.75 billion, and Mastercard reportedly exploring the sale of a majority stake in its UK subsidiary, Vocalink, back to British banks.

The payments sector has been consolidating as companies seek scale, lower network fees, and more control over the transaction process. A merger between Stripe and PayPal would likely be among the largest deals of this kind.

At the moment, the offer is an initial bid that PayPal has not responded to. Possible outcomes include PayPal rejecting the offer as too low, which might lead to a higher bid, or engaging in negotiations that could push the price toward the $70 per share some analysts expect.

Alternatively, PayPal could reject the approach entirely and continue its independent turnaround. Regulatory scrutiny could also come into play if the deal progresses, given the size of the combined entity.

Investors and users should watch for official statements from PayPal and Stripe, along with reports from Reuters and the Financial Times for updates as the situation develops. Any binding agreement would require months to finalize and would need regulatory approval in multiple jurisdictions.

The offer is still under consideration. Neither Stripe nor Advent has made a public statement, and PayPal has not yet responded formally.

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