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Stripe stablecoin payments vs PayPal Pay with Crypto
Quick take: Both settle in dollars and suit US sellers already on these platforms. Compare the current published rates and promo end dates on each provider's page before choosing.
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| Stripe stablecoin payments | PayPal Pay with Crypto | |
|---|---|---|
| Merchant fee | 1.5% (pricing page); page also lists 0.8% promotional rate through Jan 1, 2027 | 1.5% of transaction amount (0.99% promotional rate ended Jul 31, 2026, per PayPal merchant fees page) |
| Custody | Custodial: settles to your Stripe balance | Custodial; settles in USD |
| Payout to bank | Yes, settles in local currency in Stripe balance | Yes, settles in USD to PayPal balance |
| Coins | USDC (Tempo, Ethereum, Solana, Polygon, Base); USDP, USDG (US-only) | Not published on pages checked |
| Countries | US businesses; private preview in EU, Hong Kong, Mexico, Switzerland | US (merchant eligibility and approval required) |
| Best for | Businesses already on Stripe who want USDC at checkout with dollars in the bank | US merchants already using PayPal checkout |
| Sources |
Last checked 2026-10-16.
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