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Around 40% of surveyed merchants already accept crypto payments.
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Large enterprises are leading adoption, not small businesses.
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Merchants report rising sales and customer demand when crypto is enabled.
Crypto Moves Into Everyday Commerce
A new survey backed by PayPal suggests crypto payments are shifting from experimentation to real-world usage. Nearly 85% of respondents expect crypto payments to become commonplace within five years, with many already seeing measurable benefits.
The survey included roughly 620 payment decision-makers and found that customer interest remains high even among businesses not yet accepting crypto.
Big Companies Lead the Way
According to the data, adoption is being driven primarily by large enterprises. About half of businesses earning more than $500 million in annual revenue already accept crypto payments, compared to roughly one-third of small and mid-sized firms.
Among merchants that do accept crypto, many report that crypto payments account for more than a quarter of total sales, with roughly three-quarters seeing growth in crypto-related revenue over the past year.
Stablecoins Lower the Barrier
Respondents said ease of use remains the biggest factor in wider adoption. Around 90% of merchants indicated they would experiment with crypto if the experience matched traditional card payments and required minimal setup.
PayPal’s early move into stablecoins, including PYUSD, reflects a broader trend where stablecoins are becoming a practical payment rail rather than a speculative tool, especially following new regulatory clarity in the U.S.
