PayPal · PayPal User Agreement

MFA Compliance Attestation for Business Account SAML SSO Users

Medium severity
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Why it matters (compliance & risk perspective)

This is an unusual contractual attestation that shifts cybersecurity compliance liability directly onto the business user — if PayPal's account is compromised via SSO and the business was not MFA-compliant, the business may bear full liability.

Consumer impact (what this means for users)

PayPal's User Agreement significantly affects your financial rights and access to funds — PayPal can place holds on your money for up to 180 days and limit or suspend your account at its discretion. You waive the right to participate in class action lawsuits and must resolve all disputes through individual binding arbitration, which is generally more costly and less accessible for small-dollar claims. You can opt out of the arbitration agreement by sending a written notice to PayPal's Legal Department at 2211 North First Street, San Jose, CA 95131 within 30 days of first accepting the User Agreement.

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View original clause language
If you, or any other person associated with your account, use SAML SSO (Security Assertion Markup Language Single Sign-On) to allow access to your accounts with PayPal, you attest that you are compliant with applicable state and Federal Multi-Factor Authentication ("MFA") regulations (e.g., NY DFS Part 500 and 16 CFR Part 314: Standards For Safeguarding Customer Information).

Provision details

Document information
Document
PayPal User Agreement
Entity
PayPal
Document last updated
April 29, 2026
Tracking information
First tracked
March 6, 2026
Last verified
April 9, 2026
Record ID
CA-P-002285
Document ID
CA-D-00044
Evidence Provenance
Source URL
Wayback Machine
SHA-256
787aedff80f89f2d9da4fd79756bbd226f8a5338c9e19c15b2a2fa0d01f59a90
Verified
✓ Snapshot stored   ✓ Change verified
How to Cite
ConductAtlas Policy Archive
Entity: PayPal | Document: PayPal User Agreement | Record: CA-P-002285
Captured: 2026-03-06 20:26:28 UTC | SHA-256: 787aedff80f89f2d…
URL: https://conductatlas.com/platform/paypal/paypal-user-agreement/mfa-compliance-attestation-for-business-account-saml-sso-users/
Accessed: May 4, 2026
Classification
Severity
Medium
Categories

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Frequently Asked Questions

What does PayPal's MFA Compliance Attestation for Business Account SAML SSO Users clause do?

This is an unusual contractual attestation that shifts cybersecurity compliance liability directly onto the business user — if PayPal's account is compromised via SSO and the business was not MFA-compliant, the business may bear full liability.

Is ConductAtlas affiliated with PayPal?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by PayPal.