PayPal Just Made It Way Easier & Cheaper To Make Payments With Crypto

Crypto Isn’t Just for HODLing Anymore

PayPal is pushing crypto payments into the mainstream with a bold new feature called Pay with Crypto, and it could completely change how we shop, send and receive money, and do business online.

By slashing international transaction fees by up to 90% and making it ridiculously easy to pay with everything from Bitcoin to USDT, PayPal is turning your digital assets into a real-world payment powerhouse.

Whether you’re a crypto bro, a freelancer, or an entrepreneur looking to go global, this is big.

New “Pay with Crypto” Feature Cuts Fees by Up to 90% — and Opens Up Global Commerce

The payments giant just dropped a feature designed to simplify international payments and slash expensive fees, all while giving you more ways to actually use your crypto in the real world. Let’s break down why this matters.

Crypto to Cash — Instantly

Pay with Crypto works by instantly converting crypto to a stablecoin or fiat currency when you make a purchase. That means no more waiting around for conversions or dealing with clunky crypto checkout processes. It supports 100+ cryptocurrencies, including heavy hitters like Bitcoin, Ethereum, USDT, XRP, BNB, Solana, and USDC. You can connect to digital wallets like Coinbase, MetaMask, Kraken, Binance, OKX, and more, with others on the way.

The real kicker? This tool connects merchants to a $3+ trillion crypto market and 650+ million crypto users around the world. Yeah, that’s a whole lot of potential buying power.

0.99% Transaction Fees? That’s Huge

International credit card fees are no joke, they can eat into your profits fast. But with PayPal’s Pay with Crypto feature, merchants will only pay a flat 0.99% transaction fee, which could reduce payment processing costs by up to 90%.

As PayPal President and CEO Alex Chriss puts it:

“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.”

“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% when held on PayPal.”

What It Means for You

If you’re a U.S.-based merchant, this is especially relevant. You’ll be able to accept crypto, pay out to vendors or freelancers in PayPal’s stablecoin PYUSD, and even earn interest (4%) on PYUSD balances held in your account.

This move is part of PayPal’s broader push to integrate fiat and crypto seamlessly on one platform. The company’s goal? To make global payments faster, cheaper, and more inclusive.

PayPal Is Going Big on Crypto

Last week, PayPal launched PayPal World, a massive global partnership with 5 of the world’s biggest digital wallets. The goal is simple, make it stupid-easy to move money across borders.

Chriss put it like this: “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.”

When Can You Start Using It?

Pay with Crypto will roll out to U.S. merchants in the coming weeks, covering about 90% of the entire crypto market cap. So whether you’re a business owner, a freelancer, or just a guy with a fat MetaMask wallet and an urge to spend, this might finally be your moment.

Bottom line: If you’re into crypto, e-commerce, or just want your money to work faster and harder, keep an eye on this. PayPal’s not just talking about the future of payments anymore. They’re building it.