Pay with Crypto powers near-instant settlement, seamless international transactions and provides transaction fee savings of up to 90%, according to PayPal.
Businesses around the world lose billions annually in cross border fees while navigating a complex banking system to make and accept payments. Today, „PayPal is simplifying cross-border commerce for merchants by connecting an unmatched combination of cryptocurrencies, digital wallets, and merchants worldwide, while simultaneously reducing transaction fees by up to 90%.1” – according to the press release.
„Pay with Crypto, powered by PayPal, connects merchants to a $3+ trillion2 market, by enabling instant crypto to stablecoin or fiat conversion. Supporting transactions across 100+ cryptocurrencies and wallets such as Coinbase and MetaMask, the solution expands merchant revenue opportunities and taps into a global base of more than 650 million crypto users3. Additionally, with a transaction rate of 0.99%4, Pay with Crypto decreases the cost of transactions by up to 90% when compared to international credit card processing.” – the company explained.
„Businesses of all sizes face incredible pressure when growing globally, from increased costs for accepting international payments to complex integrations. Today, we’re removing these barriers and helping every business of every size achieve their goals,” said Alex Chriss, President and CEO, PayPal. „Imagine a shopper in Guatemala buying a special gift from a merchant in Oklahoma City. Using PayPal’s open platform, the business can accept crypto for payments, increase their profit margins, pay lower transaction fees, get near instant access to proceeds, and grow funds stored as PYUSD at 4%5 when held on PayPal.”
Pay with Crypto advances PayPal’s mission to transform commerce by integrating crypto and digital currencies into a unified platform that connects fiat and digital payments. It offers consumers diverse payment options and unlocks global growth for merchants.
PayPal empowers U.S. merchants to accept crypto payments, improve efficiency, attract customers, earn rewards for PYUSD held with PayPal, and send faster, low-cost payments to freelancers and vendors using PYUSD. Recently the company also announced an agreement with Fiserv to expand stablecoin use globally to drive greater business efficiency.
„Last week, we launched PayPal World, our global partnership bringing together five of the world’s largest digital wallets on a single platform, fundamentally reimagining how money moves around the world. By enabling seamless cross-border crypto payments, we’re breaking long-standing barriers in global commerce,” Chriss added. „These innovations don’t just simplify payments—they drive merchant growth, expand consumer choice, and reduce costs. This is the future of inclusive, borderless commerce, and we’re proud to lead it.”
Pay with Crypto, powered by PayPal, will be available to U.S. merchants in the coming weeks. Covering 90% of the $3+ trillion Crypto Market Cap, Pay with Crypto offers the ability to pay with 100 cryptocurrencies including BTC, ETH, USDT, XRP, BNB, Solana, USDC and many others and connect wallets including Coinbase, OKX, Binance, Kraken, Phantom, MetaMask, and Exodus with more to come.
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1Comparison of Pay with Crypto transaction rate and direct credit card processing fees for international sales including currency conversion fees by leading payment processor
2Based on CoinGecko analysis of cryptocurrency industry marketcap
3Crypto.com, Crypto Market Sizing Report, February 2025
40.99% represents Pay with Crypto transaction rate until July 31, 2026
5Current rewards rate for PYUSD as of today. Rewards rate is subject to change. Terms apply.
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