PayPal survey: 39% of US merchants now accept crypto at checkout

A joint PayPal and National Cryptocurrency Association (NCA) survey found that 39% of U.S. merchants now accept cryptocurrency at checkout, based on roughly 620 payment decision‑makers surveyed in October 2025 ^[3][6][5].

Merchant interest appears strong: nearly nine in ten merchants report customers asking about crypto payments, and about 69% say they see customer interest on a monthly basis; meanwhile 84% of merchants believe cryptocurrency will become mainstream within five years ^[3][5][1].

Adoption varies by size and sector—about half of large enterprises accept crypto versus roughly one‑third of small businesses—and has been strongest in hospitality, travel, digital goods and gaming; many merchants (79%) say crypto acceptance can attract new customers, and 90% would accept crypto if the checkout process mirrored traditional card payments ^[3][6][4].

The PayPal/NCA data point to rising merchant optimism about crypto payments but also highlight operational concerns around simplicity and integration that could shape further uptake ^[3][2].