Comparison guide by Paymos
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. On a 50 USDT invoice in Tron that 1.5% is also what the sale costs end to end: the money arrives as dollars in the PayPal balance, so there is no invoice address to move anything off.
Reviewed
Published terms at a glance
| Published acceptance fee | 1.5% of the transaction amount from 1 August 2026. Settlement is dollars in the PayPal balance, so the same figure is what a 50 USDT invoice in Tron costs end to end. The preceding promotional rate was 0.99% through 31 July 2026. |
|---|---|
| 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. |
| Qualification 1 | Pay with Crypto requires an approved US merchant with Expanded Checkout and Business Payments. PayPal states that a merchant in New York cannot currently use it, and that a gambling or gaming merchant completes a due-diligence process first. |
| Qualification 2 | Approved US merchants can accept from eligible global buyers. |
| Qualification 3 | For merchant acceptance, PayPal converts received PYUSD at $1.00 USD per PYUSD and credits USD net of applicable PayPal fees. |
| Qualification 4 | A refund charges the merchant balance the USD refund amount plus the associated crypto network fee. |
When this provider can fit
- Approved US merchants that want crypto as another PayPal checkout method — but not in New York, where PayPal says the product is not currently available.
- Businesses that require USD rather than crypto settlement.
- Gambling and gaming merchants that can clear PayPal’s due-diligence process first.
- 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 same invoice as everywhere else on this site: 50 USDT in Tron, followed to money the merchant can actually spend. PayPal is one of the few providers whose headline survives it: 1.5%, because the crypto never rests on an address the merchant has to move it off — it is converted and credited as dollars.
- 02The current merchant rate changed from 0.99% to 1.5% on 1 August 2026.
- 03For merchant acceptance, PayPal converts received PYUSD at $1.00 USD per PYUSD and credits USD net of applicable PayPal fees.
- 04Refund terms state that the merchant balance is charged the USD refund amount plus the associated crypto network fee.
- 05Eligibility, merchant exclusions, standard PayPal funding, and approval affect availability.
Paymos
How Paymos differs
Unlike PayPal’s automatic USD settlement for approved US merchants, Paymos accounts for the accepted supported stablecoin directly instead of forcing a fiat conversion. Paymos adds no separate transfer or sweep commission to an accepted payment. The payer still pays the send-network cost, and a disclosed subsidized network fee can apply when the merchant withdraws.
What Paymos does not replace
Paymos does not replace PayPal when an approved US merchant needs crypto presented as another PayPal checkout method with USD settlement.
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. Settlement is dollars in the PayPal balance, so the same figure is what a 50 USDT invoice in Tron costs end to end. The preceding promotional rate was 0.99% through 31 July 2026.
Which PayPal Crypto Payments fee layers should I verify?+
Verify 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?+
Unlike PayPal’s automatic USD settlement for approved US merchants, Paymos accounts for the accepted supported stablecoin directly instead of forcing a fiat conversion. Paymos adds no separate transfer or sweep commission to an accepted payment. The payer still pays the send-network cost, and 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 September 22, 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.
Report an error or read the correction methodContinue 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. Tron is absent from its network list, so a USDT invoice on Tron is not something BitPay can raise. The benchmark this comparison prices elsewhere — 50 USDT in Tron, followed to the merchant’s wallet — therefore has no BitPay figure at all; price them on the chains they do carry.
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. USDT is no longer on the asset list: CoinGate discontinued it on 24 March 2025 and converted the remaining balances to USDC one for one. That closes off the invoice this comparison prices elsewhere: 50 USDT in Tron cannot be raised here on any chain, so the 1% applies to a different asset than the one being priced.
CoinPayments
CoinPayments is a custodial multi-asset gateway and wallet. On its current platform, where new merchants sign up, it charges 1% on tokens, USDT among them, and from 0.5% on coins; the 3% still quoted for its Legacy platform is not what a new account pays. The network fee sits with the buyer: an invoice completes only once the buyer has covered it on top of the amount. CoinPayments left the European Union on 1 July 2026, so a business there cannot open an account at all. Follow one 50 USDT invoice in Tron from the buyer’s transfer to the merchant’s wallet: CoinPayments keeps 0.50 USDT, the buyer pays about 2.50 USDT of Tron network fee on top, 52.50 USDT in all, and the deal costs 6%.
Cryptomus
Cryptomus is a custodial payment gateway, business wallet, and exchange. New users pay 2% per transaction, negotiated pricing can fall to 0.4%, and a merchant project passes moderation. Auto-conversion is advertised as free, while withdrawals remain subject to a mining fee. On a 50 USDT invoice in Tron the 2% is the whole price of the sale — nothing is added for crediting the balance — so the headline survives the trip. What costs money is the payout, charged per payout rather than per sale.
NOWPayments
NOWPayments is a multi-asset crypto gateway. Its published service fee is flat: 1% on a payment that needs no exchange, and 1.5% once the payment is multi-currency, uses a fixed rate, or has the fee charged to the payer. Custom offers or a discount system can take the rate as low as 0.3%. Custodial withdrawals and non-custodial forwarding follow different network-fee paths, so there is no universal double-network-fee rule. Read eligibility before the rate: NOWPayments does not serve the European Union, the United Kingdom, the United States, the United Arab Emirates or Russia. On a 50 USDT invoice in Tron, followed to the merchant’s wallet, the 1% is half a dollar and the Tron transfer off the invoice address costs five times that — about 6% all in.