PayPal is a digital payments technology platform, which includes solutions such as PayPal Holdings, Inc., PayPal Holdings, Inc. Credit, Braintree, Venmo, Xoom, and Paydiant. PayPal manages a proprietary global technology platform that brings together customers consisting of merchants and consumers to facilitate payment transactions. The platform allows customers to use their accounts to purchase and pay for goods, transfer and withdraw funds, and enables consumers to exchange funds with merchants using funding sources including bank accounts, PayPal Holdings, Inc. account balances, PayPal Holdings, Inc. credit accounts, credit or debit cards, or other stored value products. The platform provides customers with personal-to-personal payment solutions through their PayPal Holdings, Inc. website and mobile applications such as Venmo and Xoom. PayPal was founded in December 1998 and is headquartered in San Jose, California.