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X vs PayPal

Based on our analysis, PayPal is the more privacy-respecting choice overall.

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CategoryXPayPal
OverallF · 24/100C- · 44/100
What they collectConcern (20)Concern (38)
Who they share it withConcern (18)Concern (35)
What you can doConcern (35)Mixed (52)
What they promiseConcern (38)Concern (48)
In plain English — X

X collects everything you do on and off the platform, infers your identity even when you're signed out, and explicitly allows third-party 'collaborators' to use your data to train their own AI models. There is no meaningful way to stop the core collection, your public posts are available via API for mass scraping, and security is disclosed only in the vaguest terms.

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In plain English — PayPal

PayPal collects an unusually broad set of financial, behavioural, and biometric data — then retains it for ten years after you close your account. Automated systems can freeze or terminate your account with limited recourse, your purchase history is shared with merchants for personalised shopping by default, and your data trains PayPal's AI models. Some of this is legally required for a financial institution, but much is not.

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