PayPal Report: 4 in 10 U.S. Merchants Now Accept Crypto Payments
A joint study from PayPal and the National Cryptocurrency Association (NCA) shows crypto payments are no longer marginal in the U.S.: 4 out of 10 merchants now accept some form of cryptocurrency, and younger “digital natives” are increasingly using those options for routine purchases. The report positions crypto as an everyday payment method rather than a fringe experiment, indicating stronger merchant demand and growing consumer familiarity.
The finding has implications for payment rails and retail strategy. Broader acceptance could accelerate integrations of wallets, stablecoins and faster settlement options, while enhancing cross-border payment flows. Risks remain — volatility, fee transparency and regulatory clarity are still barriers — but the study suggests normalization is accelerating. Expect more payment processors and merchants to pilot or expand crypto checkout options and merchant tooling in the year ahead.