Companies that use Paypal

Here are some big companies that are using Paypal as a payment processor.

Walmart

Retail · Bentonville, AR

Walmart is the world's biggest retailer, and on top of all the cash registers and checkout pages, the company is in the middle of a massive overhaul of how it processes payments. PayPal is one of the payment options sitting inside that overhaul, alongside credit cards, debit cards, gift cards, and government benefit cards.

The interesting piece is the scale of the shift happening underneath. Walmart is moving its in-store payment processing off old mainframe computers and onto modern cloud systems, with the goal of running a single payments platform for stores, the website, and the mobile app, across countries like the US, Mexico, the UK, and Canada.

PayPal rides on top of that new platform. When a shopper picks PayPal at checkout, the same core service that handles a swiped credit card at a physical register also handles the PayPal charge online, which keeps the experience consistent and the engineering work in one place instead of scattered across separate systems.

There's also a heavy focus on the back end of the transaction. Walmart treats settlement and reconciliation as a critical job, meaning every PayPal sale has to tie out cleanly so the books close on time without anyone hunting down mismatches by hand. For a retailer Walmart's size, even tiny error rates would translate into big money, so reliability and accurate reconciliation are the whole point.

---

Chewy

Retail · Boston, MA

Chewy is the online pet store that ships food, toys, and prescriptions to pet owners across the country, and PayPal is one of the ways customers actually pay at checkout. Alongside credit cards, debit cards, and Apple Pay, PayPal sits in Chewy's digital wallet lineup as a core option for completing a purchase on the site.

The interesting part is how much design thought goes into making that PayPal button feel trustworthy and effortless. Chewy treats payments as a product in its own right, with dedicated designers shaping how customers transact using PayPal and other wallets, and how they buy, send, and redeem electronic gift cards on the site.

Behind the scenes, PayPal is also one of the third-party providers Chewy's payments engineering group integrates and monitors closely. That work covers the full path of a transaction, from the moment a customer hits "Place Order" through authorization, capture, refunds, and the occasional chargeback.

Because Chewy runs at a huge scale and many subscriptions auto-ship on a schedule, even small dips in PayPal's success rate or speed can ripple into missed orders and frustrated pet owners. So the team watches things like how often payments go through on the first try and how quickly they clear, and steps in fast if something looks off.

---

Floor & Decor

Retail · Atlanta, GA

Floor & Decor is the big-box retailer where homeowners and contractors buy tile, wood, and stone for renovation projects, and PayPal is one of the ways online shoppers pay for those orders. It sits next to credit cards as a checkout option for the part of the business that ships flooring directly to customers instead of selling it through stores.

What's notable is how seriously the finance side takes the PayPal money trail. Every PayPal transaction from the website gets reconciled daily, meaning someone is checking that the dollars customers paid actually landed in the company's account and matched what the order system recorded.

On top of the daily check, there's a deeper PayPal account reconciliation done once a month to close the books cleanly. This is the kind of behind-the-scenes accounting work that keeps a retailer from quietly losing money to mismatches, missed deposits, or chargebacks that slip through the cracks.

It also ties into how Floor & Decor handles refunds and disputes. When a customer pays with PayPal and something goes wrong with the order, the same accounting work makes sure the refund or chargeback is tracked, resolved, and doesn't turn into a write-off the company has to swallow.

---

JD Finish Line

Retail · Indianapolis, IN

JD Finish Line is the sneaker and athletic apparel retailer with more than a thousand stores across the country, and PayPal is one of the payment options shoppers use when buying online. The interesting part is what happens after the sale, when the company has to match every PayPal dollar to what actually shows up in the bank.

Each day, the finance group pulls a file of PayPal transactions from the website and a separate file from the bank, then loads both into a reconciliation tool that compares them line by line. The goal is simple: make sure the money customers paid through PayPal actually arrived, and that nothing got lost or double-counted along the way.

When the two files don't agree, the work shifts to figuring out why. If a deposit looks short, the team contacts the bank to research the gap, and any variance over five hundred dollars gets investigated the same day so small mismatches don't quietly pile up into real losses.

All of that feeds into the monthly close. The PayPal numbers get rolled into the broader bank-to-book reconciliation, journal entries get posted, and the books get tied out cleanly so that what the website rang up, what PayPal processed, and what the bank deposited all tell the same story.

---

Crate & Barrel

Retail · Northbrook, IL

Crate & Barrel is the home furnishings retailer behind brands like CB2 and Crate & Kids, selling everything from sofas to dinnerware online and in stores across the country. PayPal sits inside the checkout experience as one of the digital wallet options shoppers can pick when buying a couch or a set of plates.

The interesting angle here is that Crate & Barrel treats PayPal as a piece of a much bigger payments puzzle, not just another button on the checkout page. The company is building out a single payments platform that has to handle credit cards, digital wallets like PayPal, and buy-now-pay-later options like Klarna and Affirm, all flowing through the same plumbing.

That means PayPal transactions get routed through the same internal system that handles authorizing the charge, capturing the money, and processing refunds when something gets returned. For a furniture retailer where a single order can be a few thousand dollars, getting that flow right matters a lot.

Behind the scenes, the engineering work also covers fraud checks, the secure handling of payment data, and the reconciliation that ties every PayPal sale back to what the bank deposits and what shows up in the financial reports. The goal is a checkout where customers can pay how they want, and a back office where every dollar is accounted for cleanly.

---

Chico's FAS

Retail · Fort Myers, FL

Chico's FAS is the parent company behind Chico's, White House Black Market, and Soma, three women's clothing and intimates brands with around a thousand boutiques across the country plus a website for each one. PayPal is one of the ways shoppers pay when they order online from any of those sites.

The interesting angle is what happens when a PayPal order doesn't go smoothly. Chico's runs a customer support team specifically trained to step into a PayPal transaction and fix things, whether that's processing a refund, replacing a gift card, or sorting out an order that got stuck somewhere between checkout and delivery.

Behind the scenes, the finance team owns the other half of the PayPal story. They reconcile every PayPal transaction alongside the credit card and gift card activity, balance the day's online sales against what the bank actually deposits, and close out the books at the end of each month.

That combined setup, support fixing customer-facing PayPal issues and accounting tying every PayPal dollar back to the books, is how a multi-brand retailer keeps a digital wallet trustworthy at scale. When a customer at any of the three brands pays with PayPal, the experience feels simple, and the money side stays clean.

---

Brooks Running

Retail · Seattle, WA

Brooks Running is the running shoe and apparel brand that's been around for more than a century, selling gear to runners through its own website and through specialty stores worldwide. PayPal is one of the ways customers pay when they buy directly from Brooks online, in both the United States and across Europe.

What stands out is how international the PayPal work is. Brooks runs a customer support team out of Amsterdam that fields questions from runners across Europe in multiple languages, and PayPal is one of the core systems they're trained on alongside Klarna and the order management tools. When a runner in France or Spain has trouble with a payment, the team can step in directly.

That same Amsterdam office handles the finance side too. The credit and collections group works with PayPal payment data to match incoming payments against open invoices, chase down anything that doesn't reconcile cleanly, and keep the European books in order.

Back at the Seattle headquarters, the accounting team handles the equivalent work for North America. Every PayPal payment from the US and Canadian websites gets posted into the financial system, reconciled against the original order, and investigated when the numbers don't match, so refunds, sales tax, and revenue all land in the right place.

---

PUMA

Retail · Herzogenaurach, Germany

PUMA is the German sportswear brand behind sneakers, soccer cleats, and athletic apparel sold in more than a hundred countries, and PayPal is one of the payment options shoppers use when they buy directly from PUMA's online stores around the world. The interesting twist is that PUMA treats its country-by-country websites as independent businesses, and PayPal is part of how each one is run.

In each market, the e-commerce group is responsible for actively monitoring how PayPal is performing on the local website. They watch how often PayPal payments succeed, look for patterns that signal something is off, and run analytics to spot issues before they turn into lost sales.

That same group also handles the relationship with PayPal directly, alongside Visa and Mastercard. They keep the existing PayPal setup running smoothly and bring in new payment methods when local shoppers expect them, which matters in a region like Southeast Asia where wallet preferences shift quickly.

Risk management is the other piece of the puzzle. PUMA runs regular reports across the PayPal traffic to flag fraudulent orders and prevent money from leaking out as chargebacks. The point is to make sure that when a customer in Indonesia or South Africa picks PayPal to check out, the payment goes through, the order ships, and the cash actually lands where it should.

---

Coles Group

Retail · Melbourne, Australia

Coles is one of Australia's biggest supermarket chains, with around 1,800 stores selling groceries, liquor, and household goods to millions of shoppers a week. PayPal is one of the ways customers pay when they shop with Coles online, sitting alongside card payments and the in-store cash that gets picked up by armored trucks.

The interesting angle here is the treasury work that happens behind the scenes. Coles has a banking and treasury team responsible for predicting cash flow and reconciling balance sheet accounts tied to PayPal alongside online card payments, in-store card payments, and physical cash settlements. Every PayPal dollar has to be tracked from the moment a customer pays to the moment it lands in the right Coles bank account.

A big part of the job is short-term funding. Because Coles processes huge volumes of money every day, the treasury team uses the daily PayPal and other settlement data to forecast how much cash is coming in, then makes decisions about parking it, moving it, or putting it to work in the short term.

The reconciliation piece keeps the books honest. Each day, the team matches what PayPal reports against what Coles' systems recorded as sales, flags any data integrity issues between the registers and the settlement files, and journals the corrections so monthly reporting holds up. For a retailer this size, even small leaks would add up fast, so the precision matters.

---

Dr. Martens

Retail · London, UK

Dr. Martens is the British footwear brand famous for its yellow-stitched leather boots, sold to customers in more than sixty countries through its own websites and stores. PayPal is one of the payment options shoppers use at checkout, alongside cards, Klarna, and Clearpay.

What's interesting here is how seriously Dr. Martens treats the fight against payment fraud. The brand has a dedicated payments and fraud specialist whose whole job is to keep losses down on PayPal and the other payment methods, while making sure real customers can still check out without friction.

A big chunk of that work is defending chargebacks. When a customer disputes a PayPal charge with their bank or with PayPal itself, Dr. Martens fights the claim with evidence to recover the money, instead of just writing it off. Doing that well across thousands of orders adds up to real recovered revenue.

The team also keeps watch on PayPal performance more broadly. They use machine-learning fraud tools to score risky orders, track how PayPal is doing on cost and conversion compared to other payment methods, and recommend changes when something looks off, like an uptick in fraud or a dip in successful payments.

That work links up with customer support. When a shopper in Italy, Spain, or France hits a problem with a PayPal payment, the regional support staff can step in directly, since they're trained on PayPal alongside the other checkout options the brand offers in each market.

---