A Paypal and National Cryptocurrency Association survey finds 39% of U.S. 
merchants accept crypto and 84% expect common use within five years. Paypal 
and the National Cryptocurrency Association (NCA) publish survey results on 
Jan. 27, 2026, showing 39% of U.S. merchants already accept cryptocurrency at 
checkout and 84% believe crypto payments will become common within […]

Crypto Payments Surge: Paypal Finds 39% of US Merchants Now Accept Digital Assets

A rising share of shops in the US are now taking crypto at checkout. That 
shift is small in some places and big in others, but it is real. Reports say 
that roughly four in 10 US merchants accept cryptocurrency today, and customer 
interest is a clear reason why. Related Reading: Record Pain: Bitcoin 
Investors Suffer $4.5B Loss, Most In 3 Years Merchant Demand Is Rising 
According to a new survey from PayPal and the National Cryptocurrency 
Association, about 39% of merchants have added crypto as a payment option. 
Many of those firms say they hear from buyers about crypto use on a regular 
basis. Reports note that 88% of merchants have gotten questions about paying 
with crypto, and 69% say they see demand at least once a month. Also, 84% of 
respondents think crypto payments will be common within five years, which 
shows a lot of business leaders expect wider use soon. Who’s Accepting Crypto 
Adoption is uneven. Big companies with annual revenue above $500 million lead 
the pack, with roughly 50% accepting crypto. Smaller shops lag at about 34%, 
while midsize firms sit near 32%. Travel and hospitality, gaming and digital 
goods, and higher-end retail are among the sectors pushing crypto forward. 
These markets often sell online or to tech-savvy buyers, so it makes sense 
they’d move faster. Crypto’s Role In Sales For merchants that already accept 
digital assets, crypto is not just an occasional trickle. Reports say digital 
assets account for over a quarter of sales for some of those sellers. Around 
72% of current crypto-accepting merchants said their crypto sales grew over 
the past year. That kind of growth helps explain why firms want to keep the 
option available. Barriers And Bright Spots A common complaint is that setup 
is still too hard. Surveys found about 90% of merchants would accept crypto if 
it were as easy as taking a credit card. Payment tools and integration are top 
concerns. Merchants list faster payments, the chance to reach new customers, 
and better buyer privacy as reasons to accept crypto. Younger generations are 
pushing the trend too — Millennials and Gen Z buyers are often the ones asking 
to use crypto at checkout. Related Reading: Bitcoin Influencers Get Spotlight 
In X’s New ‘Starterpacks’ What Merchants Want Next The survey was run in 
October 2025 and polled about 619 payment strategy decision-makers across 
retail, travel, and digital goods. PayPal and the NCA put the findings in a 
public release at the end of January 2026. Many executives say the next step 
is simpler tools and clearer rules. If merchants get easier on-ramps and 
reliable rails for settlements, acceptance could spread faster. Featured image 
from PayPal Newsroom, chart from TradingView

PayPal Survey: 4 In 10 US Merchants Now Accept Crypto

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