
Technology Explained. Read. Can this be real? How can PayPal afford to let you do that? Where is all of that money coming from? You may be surprised. PayPal could take that balance and invest it in stocks and bonds, earning a return on that investment. Across millions of customers, this adds up. PayPal owns the interest or other earnings on these investments. Whenever money is sent from one PayPal user to another, that counts as a transaction. Read More : 2.