Published acceptance fee
1.5% of the transaction amount from 1 August 2026. The preceding promotional rate was 0.99% through 31 July 2026.
Independent comparison
PayPal Crypto Payments review, fees, and alternatives
PayPal Pay with Crypto lets approved US merchants accept crypto from eligible global buyers while PayPal converts the payment and settles USD. The merchant fee is 1.5% from 1 August 2026; merchants do not receive the original crypto asset, and refunds can add a network-fee charge.
Facts checked 2 August 2026
Published terms at a glance
Settlement model
Crypto is converted near-instantly and the merchant receives USD on PayPal’s standard funding schedule. The product requires approved US Expanded Checkout and Business Payments eligibility.
When this provider can fit
- Approved US merchants that want crypto as another PayPal checkout method.
- Businesses that require USD rather than crypto settlement.
- Teams that value access to eligible global buyers and PayPal checkout integration.
What changes the effective cost
A headline processing rate is only one layer. Model the invoice, payer network fee, acceptance or sweep cost, conversion, settlement, withdrawal, and refund as separate entries.
- 01The current merchant rate changed from 0.99% to 1.5% on 1 August 2026.
- 02The buyer’s asset is converted to USD; PayPal’s crypto terms describe an exchange rate and spread in crypto sale flows.
- 03Refund terms state that the merchant balance is charged the USD refund amount plus the associated crypto network fee.
- 04Eligibility, merchant exclusions, standard PayPal funding, and approval affect availability.
Paymos
How Paymos differs
Paymos charges 1.0% per settled invoice on Standard or 0.3% on an agreed Enterprise plan. There is no setup fee, monthly fee, minimum, reserve, forced conversion, or processing commission on withdrawal. Paymos covers acceptance and consolidation network cost; a disclosed subsidized network fee can apply when the merchant withdraws.
What to verify before signing
- Run the same low-value and normal-value invoice through the exact asset and network you plan to use.
- Record the payer debit, merchant credit, settlement credit, and withdrawal credit instead of comparing percentages alone.
- Confirm the contracted rate, high-risk adjustments, minimums, reserves, refund charges, and geographic eligibility in writing.
- Confirm Expanded Checkout approval, the effective 1.5% rate, buyer asset coverage, USD funding timing, and refund network-fee treatment.
Frequently asked questions
What fee does PayPal Crypto Payments publish?+
1.5% of the transaction amount from 1 August 2026. The preceding promotional rate was 0.99% through 31 July 2026.
Does PayPal Crypto Payments have hidden fees?+
This review does not label unverified charges as hidden. It separates every publicly disclosed processing, network, conversion, settlement, withdrawal, and refund layer so you can reproduce the effective cost.
What should I verify about PayPal Crypto Payments?+
Run the same low-value and normal-value invoice through the exact asset and network you plan to use. Record the payer debit, merchant credit, settlement credit, and withdrawal credit instead of comparing percentages alone. Confirm the contracted rate, high-risk adjustments, minimums, reserves, refund charges, and geographic eligibility in writing. Confirm Expanded Checkout approval, the effective 1.5% rate, buyer asset coverage, USD funding timing, and refund network-fee treatment.
Is Paymos an alternative to PayPal Crypto Payments?+
Paymos charges 1.0% per settled invoice on Standard or 0.3% on an agreed Enterprise plan. There is no setup fee, monthly fee, minimum, reserve, forced conversion, or processing commission on withdrawal. Paymos covers acceptance and consolidation network cost; a disclosed subsidized network fee can apply when the merchant withdraws.
Can I rely on the headline rate alone?+
No. Test the exact invoice, network, asset, conversion choice, settlement route, and withdrawal path used by your business.
When were these facts checked?+
The linked first-party sources were checked on 2 August 2026. Confirm your contract and dashboard quote before launch.
Official sources
Provider facts are based on public first-party pages available on the review date. Contracts, dashboard quotes, geography, and fees can change.
Continue comparing
Crypto payment gateways
There is no single best crypto payment gateway. The right choice is the provider whose supported asset and network, custody model, settlement route, and full effective cost match your real payment flow. Compare a complete test transaction, not the headline percentage.
BitPay
BitPay is a custodial crypto payment processor built for merchants that want broad crypto acceptance and optional fiat settlement. Its published acceptance price is 2% + $0.25 below $500,000 monthly volume, falling to 1% + $0.25 at $1 million or more; small invoices and settlement choices therefore matter.
CoinGate
CoinGate is a custodial gateway for accepting crypto and settling in crypto or supported fiat. Its Standard plan publishes a 1% processing fee with no monthly fee, while payouts, manual exchange, refunds in another currency, and SWIFT settlement have separate published conditions.
CoinPayments
CoinPayments is a custodial multi-asset gateway and wallet. Its official fee page publishes 0.5% for payments in native coins and 1% for tokens; ASAP settlement adds one network fee per payment, nightly settlement adds one network fee for the batch, and conversion or withdrawal creates separate cost layers.
Cryptomus
Cryptomus is a custodial payment gateway, business wallet, and exchange. Its official payment-fee page says new users pay 2% per transaction and negotiated pricing can fall to 0.4%; it also advertises free auto-conversion, while withdrawals remain subject to a mining or network fee.
NOWPayments
NOWPayments is a multi-asset crypto gateway with custody, conversion, payout, invoice, plugin, and point-of-sale options. Its official pricing starts at 0.5% when the payer and merchant use the same cryptocurrency; exchanging into another asset adds 0.5%, making the published combined fee 1%.