The Article Tells the Story of:
- A Game-Changer for U.S. Merchants: PayPal’s pay with crypto feature gives U.S. businesses instant access to over 100 digital currencies.
- Huge Cost Cuts on Global Sales: A flat 0.99% transaction fee could save sellers up to 90% on cross-border payments.
- Crypto to Cash in Seconds: All payments instantly convert into PayPal’s PYUSD stablecoin or regular fiat.
- A $3 Trillion Market at Your Fingertips: Over 650 million crypto users worldwide now just a click away from your checkout.
PayPal Pushes U.S. Merchants into the Global Crypto Market
At Squaredtech.co, we’ve tracked how major financial players adopt crypto to stay ahead. Now, PayPal has launched a powerful new feature called ‘Pay with Crypto’, giving U.S. businesses access to over 100 cryptocurrencies. From Bitcoin to Ethereum, USDT, XRP, and Solana, merchants can now accept global crypto payments and instantly convert them to either PayPal’s stablecoin PYUSD or traditional cash (fiat).
This is a bold move from PayPal—and a massive step for merchants trying to sell across borders without losing money to high fees. Traditional international payments are loaded with charges: credit card fees, currency exchange costs, and slow bank approvals. With PayPal’s 0.99% flat transaction fee, those costs are slashed by up to 90%.
And it’s not just about lower fees. Payments are instant. Vendors skip banking delays and get access to their money right away. That means faster operations, quicker inventory cycles, and stronger cash flow—all key wins for any business trying to scale.
Read More About Our Article of Donald Trump Establishes Strategic Bitcoin Reserve — What It Means for the U.S. Published on March 7th, 2025 SquaredTech
What ‘Pay with Crypto’ Really Delivers
Squaredtech.co sees this as more than just a checkout upgrade—it’s a full gateway into the $3 trillion crypto economy. The feature connects U.S. merchants to over 650 million global crypto users and works with top wallets like:
- Coinbase
- MetaMask
- Binance
- OKX
- Phantom
- Kraken
Each time a customer pays using crypto, the amount is auto-converted by PayPal into a stablecoin (PYUSD) or fiat currency. Businesses can store that PYUSD inside PayPal accounts and even earn 4% interest on the balance—adding another incentive to use the system.
This isn’t theory—it’s already live. According to PayPal CEO Alex Chriss, this feature gives businesses tools to grow faster and smarter:
“These innovations don’t just simplify payments—they drive merchant growth, expand consumer choice, and reduce costs.”
Squaredtech believes the implications are huge, especially for small and mid-size businesses. Crypto once felt like a high-risk investment tool. Now, it’s becoming a practical, daily business utility.
PayPal World and the Bigger Picture
The crypto feature is just part of PayPal’s larger shift. In parallel, the company has launched PayPal World, a platform connecting five of the largest digital wallets. This aims to unify cross-border payments and help customers send and receive money across countries more easily.
It also aligns with PayPal’s partnership with Fiserv, a move intended to promote stablecoin adoption worldwide. These efforts support PayPal’s new identity as a global fintech innovator rather than a simple payments provider.
Squaredtech.co sees a clear direction here: borderless commerce is no longer futuristic—it’s happening now.
With PayPal positioning itself as a leader in the crypto payments race, other giants like Stripe, Visa, and Mastercard will need to respond. As merchants become more comfortable accepting crypto, and as stablecoins like PYUSD get backed by real-world infrastructure, the entire retail economy could shift.
Why This Matters for U.S. Merchants
To summarize what this feature really offers:
- Lower Costs: A fixed 0.99% fee cuts out the bloated costs of credit cards and banks.
- Instant Settlement: Payments convert immediately into fiat or PYUSD, so no delays or crypto volatility risks.
- Global Reach: Over 100 supported cryptocurrencies and millions of wallet users offer massive audience potential.
- Interest on Holdings: Merchants can earn 4% APY on any PYUSD they keep in their PayPal accounts.
- Crypto Simplified: No need to manage wallets, keys, or coins. PayPal does the heavy lifting.
At Squaredtech, we’ve seen businesses shy away from crypto due to complexity and instability. But now that PayPal has integrated crypto as just another payment option, the hesitation should drop. It’s crypto without the headaches—and with the profits.
Final Take from Squaredtech.co
PayPal’s new ‘Pay with Crypto’ isn’t just a gimmick. It’s a direct challenge to how we think about global commerce. For U.S. businesses, it removes the barriers to international growth. For PayPal, it cements its place at the front of the digital finance revolution.
More importantly, this isn’t a crypto gamble. It’s a payment solution built around stability, ease of use, and cost reduction. It connects merchants with global buyers, simplifies payment operations, and offers a financial edge in a crowded market.
Squaredtech.co recommends every small and medium business consider enabling PayPal’s crypto feature now. The future of payments is here—and it starts with 0.99%.
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