PayPal Survey Shows Large Corporates Driving Rise in Crypto Checkout Use

A PayPal-affiliated survey of roughly 620 payment strategy decision-makers portrays a market where merchant interest in accepting cryptocurrencies is high and commercial uptake is consolidating among large firms. Respondents overwhelmingly anticipate that crypto will become a routine payment option within five years, and many merchants are already fielding buyer requests at checkout. Nearly nine in ten merchants reported receiving customer inquiries about using digital assets, and about four in ten say they accept crypto today. Businesses that have enabled crypto payments report that those transactions make up more than a quarter of sales for their crypto-enabled channels, and roughly three-quarters of those businesses have seen crypto receipts rise year over year. Adoption skews to the largest enterprises: about half of companies earning over $500 million a year accept crypto, while acceptance among small and midsize firms remains in the low 30s percentage range. The survey highlights clear friction points—roughly 90% of merchants said they would try crypto if setup and checkout felt as seamless as accepting cards. These findings coincide with policy and industry shifts that are lowering barriers to tokenized fiat and stablecoin use, and with major payment platforms piloting native crypto rails. For merchants the data indicate that consumer demand can convert into real sales when operational friction is addressed. For payment providers and banks this points to a commercial opening: winning will require straightforward integration, robust settlement processes, and regulatory clarity. Policymakers and infrastructure builders can use the current adoption pattern—large merchants proving use cases—as a roadmap for standardization and interoperability efforts. In sum, the market is moving from experimentation toward scaled operational use, but the velocity will depend on vendor execution, compliance frameworks, and improvements in user experience.