PayPal says a small number of customers who used its PayPal Working Capital loan application had personal information exposed to unauthorized individuals between July 1 and December 13, 2025. The company identified the issue on December 12, 2025. Social Security numbers were among the types of information that may have been involved, but the available notice does not say every affected customer had every listed data element exposed or that the information was misused.
What happened in the PayPal Working Capital exposure?
The incident concerned PayPal Working Capital (PPWC), a loan application for business customers—not every PayPal account or service. PayPal attributed the exposure to an error in the application. Its notice, dated February 10, 2026, says personal information belonging to a small number of customers was exposed to unauthorized individuals during the stated period. BleepingComputer reported the notice on February 20, 2026; a reproduced copy of the notice gives the same core dates.
- Exposure window: July 1 through December 13, 2025.
- Issue identified: December 12, 2025.
- Notice date: February 10, 2026.
The exposure window extends one day beyond the date PayPal says it identified the issue. The notice does not explain that timing discrepancy, so it should not be interpreted as evidence about what happened on either date.
What information may have been exposed?
The notice lists names, email addresses, phone numbers, business addresses, Social Security numbers, and dates of birth as information that may have been involved. This is a list of possible data types, not confirmation that every person’s record contained all of them.
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The available reporting describes the affected group only as “a small number” and gives no exact count. It also does not establish that unauthorized individuals accessed or retained every exposed record, or that the information led to confirmed identity theft. A notice of exposure warrants care, but it is not proof that a particular person’s SSN was taken or used.
How to tell whether your information was affected
If you received a PayPal breach notice, use that individual notice as the best available source for whether you are included, which information PayPal says may have been involved, and what assistance it offered you. The reproduced notice is dated February 10, 2026; check the notice itself for eligibility, enrollment deadline, duration, and renewal terms rather than assuming an offer is still open or unchanged.
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- Locate the notice and follow its response instructions. Use contact details in the notice or independently verified PayPal channels if you need to confirm its authenticity.
- Check the stated assistance terms. Confirm whether you qualify, how to enroll, the enrollment deadline, how long coverage lasts, and whether it renews or incurs a charge afterward.
- Review relevant account and credit activity. Because SSNs may have been involved, watch for unfamiliar credit activity, account changes, or messages asking for personal information. Do not assume that monitoring—or any other single measure—prevents every form of identity theft.
Why this should not be confused with PayPal’s 2022 breach
A separate PayPal incident appears in the Maine Attorney General’s records. It involved credential stuffing, occurred on December 6, 2022, and was discovered on December 20, 2022. The state record reports 34,942 people affected overall, including 146 Maine residents, and says 24 months of Equifax identity protection and credit monitoring were offered. Those figures and that offer apply to the 2022 incident only; they are not the count, cause, or remedy for the 2025 Working Capital exposure. Maine Attorney General breach-notification records
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What public breach notices do—and do not—tell you
Public notices can document an incident without providing a complete technical account or confirming misuse. For example, California’s Attorney General explains that California law requires a business or public entity to notify a California resident when specified unencrypted personal information was acquired, or reasonably believed acquired, by an unauthorized person. Sample notices sent to more than 500 California residents must also be provided to that office. This is California-specific context; it does not determine which notification law applies to an individual PayPal recipient. California Attorney General guidance on data-breach reporting
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The available information about the 2025 incident does not provide an exact affected-person count, a detailed technical explanation of the application error, or a confirmed finding of later misuse. A recipient’s own notice is therefore more useful for personal next steps than the broad public description.
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