Accept crypto payments

PayPal's Pay with crypto is a payment solution that allows you to accept cryptocurrency (crypto) payments from global buyers and receive automatic settlement in local currency. With this payment method, you can:

• Offer flexible payment options to buyers at checkout.
• Attract new customers and expand reach to pro-crypto audiences.

• Expanded customer reach: Reach over 650 million pro-crypto consumers worldwide.
• Higher payment success rates: Improve transaction completion compared to traditional cross-border card transactions.
• Competitive transaction fees: Control costs with lower processing fees for crypto payments.
Note: PayPal USD (PYUSD) is a stablecoin that maintains full backing with US dollar deposits, US treasuries, and similar cash equivalents. You can buy and sell 1 PYUSD for 1 USD.
• Seamless integration: Streamline operations by adding crypto to your current PayPal setup without major changes.
• Broad cryptocurrency support: Accept approximately 100 cryptocurrencies, including Bitcoin, Ethereum, and PayPal USD. For a complete list, see supported cryptocurrencies.
• Flexible payment sources: Help buyers pay using cryptocurrency from popular exchanges such as Coinbase or self-hosted wallets such as Metamask.
• Local currency settlement: Receive settlements in your preferred local currency based on your PayPal Business account's primary currency setting.

1. Merchant: Presents Pay with crypto as a payment option on the checkout page.
2. Buyer: Selects Pay with crypto at checkout.
3. Merchant: Creates an order with PayPal using crypto as the payment method.
4. PayPal: Creates the order and returns a link for buyer approval.
5. Merchant: Redirects the buyer to PayPal to complete payment approval.
6. Buyer: 
   1. Selects a preferred wallet or exchange account.
   2. Authenticates with the selected wallet or exchange.
   3. Reviews and approves the payment.
7. PayPal: 
   1. Manages the crypto payment flow.
   2. Automatically captures the payment and converts the cryptocurrency to the merchant's local currency.
   3. Notifies the merchant of payment completion.
   4. Settles the funds to the merchant's PayPal account in their local currency.
8. Merchant: Confirms the payment and proceeds with order fulfillment.

Select a tab to view either the self-custody wallet flow or the exchange account flow.

• Account type: Verified US PayPal Business required.
• Geographic availability: Available only to US merchants.
• Buyer coverage: Global buyers can pay with about 100 supported cryptocurrencies (for example, BTC, ETH, PYUSD) using their preferred third-party wallet without needing to create a PayPal account.
• Platform availability: Available for current PayPal for Business or Platforms integration using the Orders V2 API.
• Minimum transaction: Accept payments starting from 0.01 USD.
• Refunds: Issue refunds in PYUSD (PayPal's stable digital dollar) without holding any cryptocurrency. You transact in your preferred currency.
• Settlement: Processed in local currency based on your PayPal Business account's primary currency setting.

• Payment features: Billing agreements, recurring payments, chargebacks, and multi-seller configurations are not supported.
• Geographic restrictions: Only available to US merchants.
• Payment authorization: Authorization and Capture payment flows are not supported. 
• Vaulting: Vaulted payments are not supported.

The following cryptocurrencies are supported for Pay with crypto and are listed in the PayPal Payments allow list. Each currency must be identified by its standard currency code (for example, BTC, ETH, PYUSD).