[10][11] In 2018, Synchrony acquired Loop Commerce, which provides a patented digital gifting platform called GiftNow.

[14][15] Synchrony Bank also became the exclusive issuer for the PayPal Credit point-of-sale financing program in the United States through 2028.

Additionally, PayPal agreed to extend its existing co-brand credit card relationship with Synchrony through the same 10-year term.

[17] The advocacy groups classified the 24% interest rates, $40 late fees, and aggressive collection practices as "predatory."

[25] Synchrony has four "Innovation Stations," which are located in Stamford, Connecticut; Chicago, Illinois; Kettering, Ohioand Hyderabad, India.