Utilize the input text as a context reference, choose the right relationship between PayPal and Bill Me Later from the options. Options: product/material produced, manufacturer, distributed by, industry, position held, original broadcaster, owned by, founded by, distribution format, headquarters location, stock exchange, currency, parent organization, chief executive officer, director/manager, owner of, operator, member of, employer, chairperson, platform, subsidiary, legal form, publisher, developer, brand, business division, location of formation, creator.

However, after the crackdown on PayPal Credit's Bill Me Later service in the US for signing up customers without their knowledge, the solution providers in India are treading cautiously with respect to customer data and privacy.

Answer: owner_of