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PayPal

red

Payments · Reviewed 2026-09-11

PayPal Europe is Luxembourg-licensed as a bank, but ultimate parent PayPal Holdings, Inc. is US-listed. CLOUD Act exposure follows the parent, not the EU banking licence.

Contracting entity
PayPal (Europe) S.à r.l. et Cie, S.C.A.
Ultimate parent
PayPal Holdings, Inc. (US)
Hosting regions
us, eu
Transfer mechanism
DPF
Operational access from
US, LU, IN

Rating by dimension

Entity control
Red — CLOUD Act exposure
Data location
Amber — mitigations present
Operational access
Amber — mitigations present
Subprocessor chain
Green — EU jurisdiction
Transfer mechanism
Amber — mitigations present

EU alternatives

Sources

Disagree with this rating? Open an issue on GitHub — we review disputes publicly. Not legal advice.