What if your favorite online store started accepting Bitcoin, Ethereum, or even Shiba Inu? That future is here.
On July 28, 2025,
PayPal made a game-changing move: it now allows U.S. merchants to accept
payments in over 100 cryptocurrencies. This isn’t just another crypto
headline; it’s a bold signal that digital assets are stepping into the
mainstream economy.
In this article, we’ll break down what this means for crypto users, online businesses, and the global payments landscape. Is this the spark that pushes crypto to mass adoption? Let’s dive in.
What Did PayPal Just Announce?
PayPal has officially launched a new crypto payment gateway feature that allows business accounts in the U.S. to receive payments in 100+ cryptocurrencies, including:- Bitcoin (BTC)
- Ethereum (ETH)
- Tether (USDT)
- Solana (SOL)
- XRP
- And dozens of other altcoins…
These crypto payments are
instantly converted to USD or PayPal USD (PYUSD) at the backend,
shielding merchants from price volatility.
“We’re reducing global commerce friction by accepting crypto, and unlocking access to a growing $3 trillion market,” – PayPal press release, July 2025
Key Features of PayPal’s Crypto Payments
Supports 100+ Popular Cryptocurrencies
From blue-chip tokens to
trending altcoins, this update supports diverse payment preferences.
Seamless Integration for Merchants
No new systems needed.
PayPal crypto payments are available via the existing merchant interface.
Real-Time Crypto-to-Fiat Conversion
Merchants don’t need to
hold crypto or worry about price swings—PayPal converts everything instantly to
USD or PYUSD.
Major Wallet Compatibility
Customers can pay using:
- MetaMask
- Coinbase Wallet
- Binance
- Kraken
- Phantom
- Exodus and more...
Crypto transactions cost as little as 0.99%, compared to 2.9–4.5% traditional card fees, up to 90% savings!
Why This Is a Big Deal for the Crypto Space
Let’s be honest: crypto
has always promised to revolutionize payments. But until now, using crypto in
real life was clunky, confusing, or downright unsupported.
This move by PayPal changes that.
Crypto Is Becoming Spendable
More than 650 million
people worldwide own crypto. Until recently, it was mainly a store of value or
trading asset. Now, with PayPal bridging crypto to everyday shopping, crypto
becomes spendable.
Businesses Can Tap New Revenue Streams
Merchants gain access to:
- International crypto holders who prefer
decentralized payments
- Millennials and Gen Z, who already use wallets
like MetaMask
- Low-fee cross-border transactions for global reach
How U.S. Merchants Can Use This Feature
- Ensure your PayPal account is a U.S. business
account
- Activate "Pay with Crypto" in your
PayPal dashboard
- Enable supported crypto wallets
- Customize the checkout page to show crypto options
- Receive funds in USD or PYUSD instantly upon
crypto payment
Note: New York-based merchants may have limited access initially due to regulatory wait times.
Benefits vs. Drawbacks of Using PayPal Crypto Gateway
|
Pros |
Cons |
|
Low transaction fees
(0.99%) |
PayPal handles
conversion—no crypto custody by merchant |
|
Faster settlement than
banks |
Not yet available
outside the U.S. or in NY State |
|
Eliminates chargebacks
common in credit cards |
Long-term reliance on
PayPal’s backend infrastructure |
|
Access to a huge new
customer base |
Regulatory risks if
U.S. policy shifts on crypto |
- PayPal crypto payments
- PayPal accepts 100 cryptocurrencies
- How to use PayPal for crypto
- Merchants accept crypto payments
- PayPal gateway setup for Bitcoin
Final Thoughts: Is This the Start of Crypto Mass Adoption?
PayPal’s bold move isn't
just about convenience. It’s about confidence.
When a trusted payment
giant enables hundreds of cryptocurrencies at checkout, it validates digital
assets as a mainstream payment rail.
For crypto investors, this could boost usage and visibility. For merchants, it’s a way to cut costs and stand out. For the internet economy? It could be the beginning of a decentralized commerce revolution.
If you’re a merchant—explore
crypto payments now. If you're a crypto user, watch for more places
accepting your tokens. This is just the beginning.
Read more updates at FindCrypto.News and stay ahead in the
crypto world!
You may also read: Crypto Regulation 2025: U.S. Clarity Act, Senate Bill & Tornado Cash Trial