Digital Payment Revolution: PayPal Introduces ‘Pay with Crypto’

Jakarta, Pintu News – PayPal Holdings Inc. recently launched an innovative payment solution, ‘Pay with Crypto’, which allows merchants in the United States to accept more than 100 types of crypto as a form of payment.

The initiative is aimed at reducing the cost of cross-border transactions that often burden traders with high fees and slow settlement processes.

Check out the full information below!

Advantages of ‘Pay with Crypto’

‘Pay with Crypto’ supports a wide range of popular cryptocurrencies such as Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Tether (USDT), USD Coin (USDC), and Ripple (XRP). The service is integrated with leading digital wallets such as Coinbase, MetaMask, OKX, Binance, Kraken, Phantom, and Exodus.

Thus, buyers can easily use their crypto assets to transact on various trading platforms. Additionally, any transactions made through ‘Pay with Crypto’ will be converted into US dollars or PayPal’s stablecoin, PYUSD, which helps reduce the risk of price volatility for merchants.

The service offers a very low transaction fee of only 0.99% per transaction, which is much cheaper than international credit card fees that usually start at 1.75%.

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Impact on Small Businesses and Global Benefits

Small businesses are often burdened by international transfer fees that can be more than 10% of the transaction value. By using PayPal’s ‘Pay with Crypto’, merchants can receive their funds instantly, which is significant in improving liquidity and operational efficiency.

PayPal also offers a 4% reward on PYUSD balances, providing additional incentive for merchants to retain and use this stablecoin in their transactions.

The service covers nearly 90% of the global crypto market by value, opening up access to a large crypto customer base, estimated at over 650 million users worldwide. This marks a major step in driving crypto acceptance globally and opening up new market opportunities for traders around the world.

Read also: Altcoin Season 2025: When, How, and What Tokens to Watch for

Integration, Compliance, and Market Trends

PayPal has designed ‘Pay with Crypto’ to seamlessly integrate digital assets into existing payment systems, ensuring instant conversion to stablecoins or fiat to protect merchants from digital asset price fluctuations.

The initiative is part of PayPal’s broader strategy to incorporate digital assets into its payments ecosystem. The PYUSD stablecoin now has a market capitalization of over $900 million.

While PayPal faces competition from services such as Stripe, which is also launching a crypto payment function, it emphasizes that its service is compliant with US regulations and is fully backed by US dollar reserves. However, the service is not yet available to New York residents until further regulatory approval.

Conclusion

With the launch of ‘Pay with Crypto’, PayPal is not only strengthening its position as a leader in digital payment solutions but also expanding the reach and accessibility of blockchain technology in everyday life. This initiative is expected to redefine the way businesses and consumers interact with the global digital economy.

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*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Crypto trading activities have high risk and volatility, always do your own research and use cold cash before investing. All activities of buying and selling bitcoin and other crypto asset investments are the responsibility of the reader.

Reference

• TronWeekly. PayPal Launches Pay with Crypto for 100 Tokens. Accessed on July 30, 2025
• Featured Image: CNBC