- Businesses can now accept more than 100 cryptocurrencies with near-instant conversions.
- Paying with crypto can reduce transaction costs by up to 90%.
- U.S. merchants are now connected to a $4 trillion market and more than 650 million crypto users.
Indeed, the latest stablecoin regulations in the United States have been a game-changer.
Beyond strengthening bullish momentum, the GENIUS Act has pushed many companies to embrace the future of fintech more deeply.
To support the rising adoption of cryptocurrency, PayPal has launched Pay with Crypto.
With this new product, U.S.-based merchants can accept payments in more than 100 different coins, including stablecoins, Bitcoin, Ethereum and Solana.
PayPal has launched “Pay with Crypto,” enabling U.S. merchants to accept over 100 cryptocurrencies—including BTC, ETH, USDT, and SOL—with near-instant conversion to fiat or stablecoins and a low 0.99% transaction fee. pic.twitter.com/4Gi3cA2Dv4
— Wu Blockchain (@WuBlockchain) July 28, 2025
The best part: businesses can automatically convert received tokens into stablecoin or fiat with a transaction fee of just 0.99%.
This new capability reduces the costs typically associated with cross-border transactions.
Many companies that operate internationally face high fees, complex banking requirements and painful delays.
PayPal aims to solve those pain points by offering a smoother payments experience.
It also unlocks global growth by opening access to a borderless customer base.
PayPal CEO and President Alex Chriss said:
Companies of every size face incredible pressure as they grow internationally, from higher costs to accept payments to complex integrations. Today we are removing those barriers and helping businesses of all sizes reach their goals.
Solving the international payments crisis
Businesses around the world lose billions each year to outdated international payment models.
Slow settlements, unpredictable exchange rates and credit card fees have dented global commerce.
That’s where Pay with Crypto comes in.
PayPal introduces near-instant crypto-to-stablecoin or fiat conversion within an already massive financial infrastructure.
Merchants don’t need to worry about the technical details of digital asset transactions.
PayPal handles the complexities, including steps to minimize volatility, ensuring simplicity without sacrificing speed or security.
Sellers can also use PayPal’s Pay with Crypto to improve their profit margins.
For example, they could see processing costs up to 90% lower compared with credit cards.
Merchants who choose to hold funds as PYUSD (PayPal’s stablecoin) may also earn rewards.
Chriss added:
Imagine a shopper in Guatemala buying a specialty gift from a merchant in Oklahoma City. Using PayPal’s open platform, the business can accept crypto, pay lower fees and grow its business — all in a single, simple step.
What’s next?
All U.S. sellers will gain access to PayPal’s Pay with Crypto feature in the coming weeks, enabling them to receive payments in over 100 supported digital tokens.
Businesses can connect with trusted wallets like Coinbase, Exodus, OKX and MetaMask to benefit from instant conversion of crypto to stablecoins such as USDT or to fiat currency.
Consumers in the United States will soon be able to use digital currencies like ETH, BTC and SOL to pay for goods and services.
Meanwhile, PayPal is positioning itself as a pioneer amid broader crypto acceptance.
The company recently integrated with Arbitrum to support the growth of PYUSD.
Additionally, OKX has leveraged PayPal to simplify crypto purchases across Europe.
These moves come as digital currencies continue to gain traction across the financial landscape.
Global cryptocurrency market capitalization hovers around $3.93 trillion after a correction from recent peaks above $4 trillion.