PayPal Introduces “Pay With Crypto” for Merchants in the U.S.
PayPal is preparing to introduce a new option called Pay With Crypto, which will be available to merchants in the U.S. within the next few weeks. Businesses will have the capability to accept more than 100 cryptocurrencies, such as Bitcoin, ETH, USDT, and Solana. After a customer makes a payment, the crypto is automatically changed into U.S. dollars or PayPal’s stablecoin PYUSD. Merchants receive their funds instantly, without having to manage the crypto themselves.
Why Merchants Are Taking Notice
This isn’t merely a technological enhancement. For merchants, particularly those engaging in cross-border sales, the potential savings could be significant. PayPal is providing a promotional transaction fee of 0.99 percent until mid-2026, which is considerably lower than standard credit card processing charges.
Tired: Paying excessive transaction fees for global payments.
Wired: Cutting costs by as much as 90% by enabling crypto payments.
Lower international transaction fees by as much as 90%
— PayPal (@PayPal) July 28, 2025
For small enterprises operating with narrow margins, this represents a considerable change. They won’t need to take on extra responsibilities. PayPal manages the conversion and settlement automatically.
The Behind-the-Scenes Process
The functionality integrates directly with wallets such as Coinbase, MetaMask, and Kraken. When a customer opts for Pay With Crypto, their wallet syncs with the checkout, the crypto is sent, and PayPal manages the conversion. The merchant receives payment in either USD or PYUSD. All transactions are processed through PayPal’s network, so merchants don’t have to create wallets or manage crypto custody.
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Customer Experience Remains Unchanged
From the perspective of the customer, it’s
