Large Businesses Driving Crypto Payments Adoption, PayPal Survey Finds

ccn.comОпубліковано о 2026-01-28Востаннє оновлено о 2026-01-28

Анотація

A PayPal survey conducted with the National Cryptocurrency Association reveals that 40% of U.S. merchants now accept cryptocurrency at checkout, with adoption strongest among large enterprises. Half of businesses with over $500 million in annual revenue accept crypto, compared to 34% of small businesses. The report indicates crypto payments are transitioning from experimentation to routine commerce, with 84% of merchants expecting crypto to become common within five years. Key drivers include customer demand—88% of merchants have received crypto payment inquiries—and the potential to attract new customers. However, merchants emphasize the need for crypto payment setups to be as simple as card transactions, with 90% more likely to adopt if the user experience matches traditional methods. PayPal's "Pay with Crypto" feature aims to address this by offering instant settlement and lower costs through conversion to stablecoins or fiat.

Key Takeaways

About 4 in 10 U.S. merchants (40%) now accept crypto at checkout, PayPal and the National Cryptocurrency Association said, citing a Harris Poll survey.
50% of merchants with over $500 million in annual revenue accept crypto, versus 34% of small businesses and 32% of midsize firms.
Merchants say customers are asking to pay with crypto, but most want setup and checkout to be as easy as taking card payments.

PayPal and the National Cryptocurrency Association said crypto payments are moving from edge-case experimentation toward routine checkout, with adoption strongest among large enterprises.

In a report released Tuesday, the groups said 39% of U.S. merchants surveyed already accept cryptocurrency, and 84% expect crypto payments to become common within five years.

Try Our Recommended Crypto Exchanges

Bitget

promotions

New user rewards up to 6,200 USDT.

Coins

Claim Offer

Bitunix

promotions

Receive up to $100,000 worth of exclusive gifts for newcomers upon registration.

Coins

Claim Offer

BTCC

promotions

Get up to 10,055 USDT when you register, verify, and make the first deposit and the first trades.

Coins

Claim Offer

Explore All Offers

Crypto Adoption Driven by Growing Customer Demand

The survey points to a basic dynamic: shoppers ask, merchants follow.

Nearly 88% of merchants said they have received customer inquiries about paying with crypto, while 69% said customers want to use crypto at least monthly.

PayPal framed crypto acceptance as a practical growth lever, not a branding stunt.

May Zabaneh, PayPal’s vice president and general manager of crypto, said the data and PayPal’s customer conversations show crypto payments “moving beyond experimentation and into everyday commerce.”

Merchants also tied crypto payments to acquisition. About 79% said accepting crypto could help attract new customers, the report said.

Large enterprises are leading the shift. The survey found 50% of merchants with more than $500 million in annual revenue already accept crypto, compared with 34% of small businesses and 32% of midsize firms.

Among merchants that accept crypto, respondents said it accounts for 26% of total sales, and 72% reported their crypto-related sales rose over the past year.

The Last Mile Problem: Make It Feel Like Cards

The report suggests adoption is not only about ideology or cost. It is also about user experience.

A majority of merchants said they would be more likely to accept crypto if it looked and behaved like what they already know.

The survey found 90% would try accepting crypto if the experience matched the ease of traditional card payments, and 90% would be likely to accept crypto if the setup were as simple as accepting credit cards.

That preference for a card-like experience aligns with PayPal’s efforts to productize crypto checkout.

In July 2025, PayPal announced “Pay with Crypto,” pitching near-instant settlement and lower transaction costs for merchants by converting crypto to stablecoin or fiat at checkout.

PayPal’s published terms describe a flow where eligible customers pay from supported external wallets, crypto is converted into PYUSD when needed, and PayPal then converts PYUSD to fiat for the merchant’s business account.

The NCA’s president, Stu Alderoty, argued the constraint is not demand but comprehension, saying “interest in crypto isn’t the problem; understanding is.”

Top Picks for Bitcoin

Best Exchanges for Bitcoin Get A Great Offer When You Join These Exchanges
Buy Bitcoin Fast & Easy How To Buy Bitcoin With a Credit Card Now
Best Online Casinos for Bitcoin See Our Picks for the Best Crypto Gambling Sites

Трендові криптовалюти

Haedal ProtocolHAEDAL

Пов'язані питання

QWhat percentage of U.S. merchants currently accept cryptocurrency payments according to the PayPal survey?

A40% of U.S. merchants now accept cryptocurrency at checkout.

QWhich size of business shows the highest adoption rate for crypto payments, and what is that rate?

ALarge businesses with over $500 million in annual revenue show the highest adoption rate, with 50% of them accepting crypto payments.

QWhat is the majority of merchants' expectation for the future of crypto payments?

A84% of merchants expect crypto payments to become common within the next five years.

QWhat is the primary reason merchants cite for wanting to accept cryptocurrency?

AThe primary reason is customer demand, with 88% of merchants reporting they have received customer inquiries about paying with crypto.

QWhat key requirement do most merchants have for adopting crypto payments, according to the survey?

A90% of merchants said they would be more likely to accept crypto if the setup and checkout experience were as easy as accepting traditional credit card payments.

Пов'язані матеріали

In Conversation with Ray Dalio: We Are Currently in an AI Bubble, with 1% of My Portfolio in Bitcoin

Ray Dalio, founder of Bridgewater Associates, warns in an interview that the current AI boom shows classic bubble characteristics, which could lead to significant economic downturns as seen in past cycles like 1929 or 2000. He explains that speculative enthusiasm, fueled by debt and overvaluation, often precedes a crash when rising rates or taxation force asset sales, causing widespread losses and recession. Dalio also outlines his "Big Cycle" theory, describing an approximate 80-year pattern where widening wealth gaps, massive government deficits, and shifting geopolitical power (like China's rise) create internal conflict and global instability. He emphasizes that we are in a late-cycle, transitional phase where traditional powers like the US and UK face decline. For personal wealth protection, Dalio advises diversification beyond cash into assets like stocks, bonds, real estate, and particularly gold, which he prefers over Bitcoin. While he holds about 1% of his portfolio in Bitcoin as a non-printable hard asset, he views gold as more secure from technological or governmental threats. Regarding AI's impact, Dalio believes it will disproportionately benefit capital owners, worsening inequality by replacing both physical and cognitive labor. He suggests that human intuition and emotional intelligence, combined with AI, will be key for future workers. On taxation, Dalio argues that wealth taxes are impractical and risk triggering asset sell-offs, reducing productive investment. He points to the UK as a cautionary example of debt, low productivity, and political strife. Geopolitically, Dalio foresees a more regionalized world, with the US showing weakness in prolonged conflicts like with Iran, akin to past imperial declines. The ideal outcome, he suggests, is coexisting powerful blocs (e.g., Americas, China-Asia Pacific) without major war.

marsbit2 год тому

In Conversation with Ray Dalio: We Are Currently in an AI Bubble, with 1% of My Portfolio in Bitcoin

marsbit2 год тому

Daily 7.2 Trillion KRW: Foreign Capital's Record Net Buying on Friday! Wall Street Says Headwinds for Korean Stock Fund Flows Have Subsided

South Korean stock market sees a dramatic shift in fund flows. On July 31, foreign investors made a record net purchase of approximately KRW 7.2 trillion in KOSPI stocks, marking a fundamental reversal from the persistent large-scale net outflows seen in previous months. This contributed to a significant narrowing of foreign net selling in July to KRW 9.8 trillion, down sharply from KRW 48.4 trillion in June and KRW 44.5 trillion in May. Simultaneously, domestic institutional pressure eased. South Korean pension funds and asset managers turned to a net buying position in July, purchasing KRW 1.0 trillion worth of KOSPI shares, contrasting with net sales in May and June. Market volatility is expected to be dampened by new financial regulations. Effective July 31, the Financial Services Commission tightened access for retail investors to single-stock leveraged ETFs by raising the minimum cash deposit requirement. Trading volumes for these products subsequently dropped to about 50% of their monthly average. Citigroup Research maintains its year-end KOSPI target of 10,000 points. The firm cites several supportive factors: the substantial easing of headwinds from capital outflows, a robust fundamental outlook for the semiconductor sector, historically low market valuations, strong economic fundamentals, and the potential for policy support from financial authorities if needed.

marsbit2 год тому

Daily 7.2 Trillion KRW: Foreign Capital's Record Net Buying on Friday! Wall Street Says Headwinds for Korean Stock Fund Flows Have Subsided

marsbit2 год тому

Breaking! OpenAI's Next-Gen AI Solves 10 Fields Medal-Level Problems

OpenAI's next-generation AI model Astra achieves breakthroughs in 10 long-standing mathematical conjectures. The results, including constructing the first known infinite, finitely presented non-sofic group—resolving a major question since 1999—and advancing the high-dimensional sphere packing problem beyond a 46-year-old barrier, are detailed in a 249-page paper. Key proofs have been formally verified using Lean 4. The AI also refuted a rigidity conjecture by Fields Medalist Alain Connes. According to OpenAI, generating these proofs cost under $2,000. Experts describe the findings as potentially Fields Medal-worthy and a landmark moment for both mathematics and AI, showcasing the model's ability to produce profound, human-like reasoning across diverse fields like group theory, geometry, and operator algebras.

marsbit4 год тому

Breaking! OpenAI's Next-Gen AI Solves 10 Fields Medal-Level Problems

marsbit4 год тому

How to Make Yourself Irreplaceable by AI Forever

This article argues that the primary threat from AI is not job replacement, but remaining trapped in "wage slavery"—financial dependence on employers. The path to becoming irreplaceable is not resisting AI, but becoming an "unemployable" individual who builds their own meaningful enterprise. The author identifies five key elements for this: Agency (acting without permission), Taste (judging what's worthwhile), Persuasion, Persistence, and Iteration. The solution is to stop being a "pawn" in someone else's game. To start, you must fundamentally change your identity and environment, then engage in rapid, real-world trial and error. While both coding and creating media (content) are powerful, content is more crucial. AI can generate assets, but true value lies in subjective, human-driven content that builds trust and narrative. The actionable advice is to carve out 15 minutes to answer foundational questions: 1) Uncover your "raw material"—what you know deeply or solve effortlessly. 2) Define your contrarian perspective—what common beliefs you think are wrong. The intersection of these answers is your direction. Finally, you must launch by publishing your first core idea immediately, using the feedback to iterate and develop the skills needed for a self-directed life and career.

marsbit5 год тому

How to Make Yourself Irreplaceable by AI Forever

marsbit5 год тому

Thanks to Dice Rolls, Bitcoin Keys Are Stored Offline, But Not Everyone Will Do It

The article discusses using dice rolls to generate secure Bitcoin wallet seeds, providing entropy independent of potentially flawed hardware random number generators. It explains that each fair dice roll offers about 2.585 bits of entropy, with around 50 rolls needed for a standard 12-word seed phrase and 99+ recommended for higher security. This method gained attention after a vulnerability was revealed in some Coldcard hardware wallets, where a faulty firmware RNG (dating back to 2021) compromised generated keys. The analysis notes that while a dice-generated main seed was safe from this specific flaw, other Coldcard functions (like creating paper wallets, backup keys, or passwords) could still be vulnerable if they used the defective RNG. The piece argues that while dice-based entropy is technically robust, the manual process is error-prone, tedious, and unrealistic for most new users, who might make mistakes in recording or inputting rolls. It concludes that while manual entropy generation should remain an option for advanced users, the long-term goal is to develop reliable, user-friendly hardware and software that securely generates randomness without requiring specialized knowledge. Coldcard users are advised to check their firmware version and replace any secondary secrets (like paper wallet keys) created with vulnerable devices, while also considering multi-signature setups with devices from different manufacturers for added security.

cryptonews.ru8 год тому

Thanks to Dice Rolls, Bitcoin Keys Are Stored Offline, But Not Everyone Will Do It

cryptonews.ru8 год тому

Торгівля

Спот

Обговорення

Ласкаво просимо до спільноти HTX. Тут ви можете бути в курсі останніх подій розвитку платформи та отримати доступ до професійної ринкової інформації. Нижче представлені думки користувачів щодо ціни 4 (4).

Large Businesses Driving Crypto Payments Adoption, PayPal Survey Finds

Анотація

Bitget

Bitunix

BTCC

Crypto Adoption Driven by Growing Customer Demand

The Last Mile Problem: Make It Feel Like Cards

Трендові криптовалюти

Пов'язані питання

Пов'язані матеріали

In Conversation with Ray Dalio: We Are Currently in an AI Bubble, with 1% of My Portfolio in Bitcoin

Daily 7.2 Trillion KRW: Foreign Capital's Record Net Buying on Friday! Wall Street Says Headwinds for Korean Stock Fund Flows Have Subsided

Breaking! OpenAI's Next-Gen AI Solves 10 Fields Medal-Level Problems

How to Make Yourself Irreplaceable by AI Forever

Thanks to Dice Rolls, Bitcoin Keys Are Stored Offline, But Not Everyone Will Do It

Торгівля

Популярні статті

Як купити 4

Обговорення