PayPal Holdings is a digital payments and financial services company headquartered in San Jose.
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PayPal has delivered real operational emissions cuts—79% reduction since 2019—and maintains 100% renewable energy for data centres. But it processes payments across all merchant categories including fossil fuels without restriction, scoring weak on supply chain transparency and lacking any phase-out commitments. The structural enablement of high-carbon commerce, combined with unverified supplier climate targets, undercuts otherwise solid climate operations work.
PayPal Holdings, Inc. scores 49/100 (Making progress) on SINK's independent climate assessment, scored from public data only. Fees pay for the review, never the result. Last verified May 2026.
That places PayPal Holdings, Inc. joint 169th of 847 companies scored, and joint 7th of 51 in Financial Services / Banking.
Where PayPal Holdings, Inc. sits among financial services / banking peers.
Among the 51 major financial services / banking brands we've scored, PayPal Holdings, Inc. is tied =7th of 51, with 1 other.
Its three lowest-scoring questions, and what the evidence didn't show.
No TNFD disclosure, no deforestation commitment, no nature footprint quantification found.
PayPal is asset-light with no manufacturing, no physical products, and no material-intensive supply chain.
No water consumption data, reduction targets, or stewardship programme found in disclosed materials.
A score changes when the evidence does. We use new published evidence at the next rescore. Evidence that isn't public can count through an evidence review.
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Get in touch →Strongest on Carbon Footprint — Operations and Energy Source (7/10, 7/10). Weakest on Nature & Biodiversity Impact and Resource Use & Waste (4/10, 4/10).
The 3 companies in the sector scoring nearest above PayPal Holdings, Inc..
Mastercard reports declining operational emissions and exceeds interim climate targets, but operates as critical infrastructure for fossil-fuel commerce without restrictions.
See the breakdown →Klarna has built credible climate infrastructure—SBTi-validated net-zero target, internal carbon pricing, and $8.5M+ channeled into carbon removal.
See the breakdown →Visa operates a global payments duopoly enabling fossil-fuel commerce at scale without restriction, despite having SBTi-approved climate targets and 100% renewable electricity.
See the breakdown →The formula and all 8 sources.
Same ten questions for every company. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × Scale8 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.
If you believe a source has been misread or a newer version exists, submit a challenge.
PayPal Holdings is a digital payments and financial services company headquartered in San Jose. Founded in 1998 (merged with X.com in 2000), it operates a global payment platform processing transactions across billions of merchants and consumers. It is asset-light, software-driven, and competes with Visa, Mastercard, Stripe, and regional processors.
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