PayPal Launches “Pay with Crypto”: US Merchants Can Now Accept 100+ Cryptocurrencies with Low Fees
Ddos 
Renowned payment platform PayPal has recently announced the launch of a new feature—Pay with Crypto—which enables merchants in the United States to accept cryptocurrency as a form of payment. This functionality allows users to settle transactions using digital assets such as Bitcoin, with merchants receiving fiat currency or PayPal’s proprietary U.S. dollar-backed stablecoin, PYUSD, calculated at real-time exchange rates.
When customers opt to pay with cryptocurrency, merchants are charged a transaction fee of just 0.99% during the first year, rising to 1.5% thereafter—a figure substantially lower than traditional credit card processing fees.
The feature supports payments using hundreds of cryptocurrencies, including Bitcoin, Ethereum, USDT, and DOGE. PayPal describes this move as part of its broader mission to mainstream digital currency adoption, offering smaller businesses new opportunities to modernize and compete.
In its press release, PayPal stated:
“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% when held on PayPal.”
However, it’s important to note that, likely due to anti-money laundering regulations, PayPal appears to only accept payments from wallets hosted on major, KYC-compliant cryptocurrency exchanges, thereby ensuring enhanced security and traceability.
Moreover, due to varying legal frameworks across global jurisdictions, Pay with Crypto remains a U.S.-only offering for now. PayPal has indicated that wider international rollout will depend on further regulatory alignment and phased development.
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