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Software · head to head

PayPal vs Crypto.com

PayPal logo

PayPal

Software

The simpler, safer way to pay and get paid

From
$29/month
Rated
-
Full reviewWebsite
Crypto.com logo

Crypto.com

Software

The best place to buy, sell, and pay with crypto

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Crypto.com has a free tier, so it costs nothing to try first.
  • Each has a real cost: PayPal currency conversion on international purchases and sends carries a 4.00 percent fee, and 3.00 percent in other conversion scenarios; Crypto.com trading fees are significantly higher than industry average at 0.25%/0.5% versus 0.15%/0.194%
  • They diverge on capability: PayPal covers Payment processing, Crypto.com covers Cryptocurrency Trading.

Where they differ

Only the attributes on which PayPal and Crypto.com actually diverge.

Attributes where PayPal and Crypto.com differ
AttributePayPalCrypto.com
Starting price$29/monthFree
Pricing modelusage-basedUnknown
Free tierNoYes
PlatformsWeb, Ios, Android, ApiWeb, iOS, Android
Founded19982016

Identical on both: user rating (Not yet rated), category (Unknown).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in PayPal

  • Payment processing
  • PayPal Checkout
  • Invoicing
  • Business debit card
  • Working capital loans
  • Shopify
  • WooCommerce
  • BigCommerce

Only in Crypto.com

  • Cryptocurrency Trading
  • Visa Card
  • Crypto Earn
  • DeFi Wallet
  • NFT
  • Visa
  • Apple Pay
  • Google Pay

Both cover

  • Web support
  • Ios support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

PayPal

  • Paying online merchants without sharing card detailsnot Crypto.com
  • Sending money to friends and family domestically and internationallynot Crypto.com
  • Holding balances in multiple currencies for cross border purchasesnot Crypto.com

Crypto.com

  • Exchangesnot PayPal
  • Walletsnot PayPal
  • Paymentsnot PayPal

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

PayPal

  • Currency conversion on international purchases and sends carries a 4.00 percent fee, and 3.00 percent in other conversion scenarios
  • Instant transfer to a bank or debit card costs 1.75 percent of the amount, with a minimum of 0.25 USD and a maximum of 25.00 USD
  • International personal transactions carry a 5.00 percent fee regardless of payment method, with a minimum of 0.99 USD and a maximum of 4.99 USD
  • Sending domestic personal payments funded by a credit card costs 2.90 percent plus a fixed fee of 0.49 USD
  • Instant transfers are capped at 25,000.00 USD per transaction

Crypto.com

  • Trading fees are significantly higher than industry average at 0.25%/0.5% versus 0.15%/0.194%
  • Bitcoin withdrawal fees are excessive at 0.0004 BTC (approximately $47) versus actual blockchain mining fees
  • Customer support experiences significant delays up to months, with Trustpilot rating of 2.0/5
  • CRO token dependency for fee reductions and card rewards exposes users to token price volatility
  • Account freezes, card blocks, and verification delays reported by users

Pricing, plan by plan

PayPal

$29/month
  • Standard$2.99/transaction
    • Card payments
    • PayPal checkout
    • Invoice payments

Crypto.com

Free

No published plan breakdown. See the Crypto.com review.

Which should you pick?

Choose PayPal if

  • You need payment processing.
  • You work on Web, Ios, Android, Api.
  • You also want paypal checkout.
PayPal review

Choose Crypto.com if

  • You need cryptocurrency trading.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want visa card.
Crypto.com review

Questions people ask

Is PayPal or Crypto.com better?
Neither clearly leads. PayPal starts at $29/month and Crypto.com at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, PayPal or Crypto.com?
Crypto.com has a free tier; the other does not. Paid plans start at $29/month for PayPal and Free for Crypto.com.
Does PayPal or Crypto.com run on more platforms?
PayPal runs on Web, Ios, Android, Api. Crypto.com runs on Web, iOS, Android.
Can I use Crypto.com for free?
Yes. Crypto.com has a free tier, so you can try it without paying. PayPal starts at $29/month.
What is PayPal best used for?
PayPal is most often used for paying online merchants without sharing card details, sending money to friends and family domestically and internationally, holding balances in multiple currencies for cross border purchases. Of those, paying online merchants without sharing card details and sending money to friends and family domestically and internationally are not what Crypto.com is typically brought in for.
What can PayPal do that Crypto.com cannot?
PayPal covers Payment processing, PayPal Checkout, Invoicing, Business debit card. Crypto.com covers Cryptocurrency Trading, Visa Card, Crypto Earn, DeFi Wallet. Both handle Web support, Ios support, Android support.

Answered from the vendors’ own pages

Crypto.com: What are Crypto.com's trading fees?

Base spot trading fees are 0.25% for makers and 0.5% for takers. Fees decrease with higher 30-day trading volume and CRO staking, with volume-based discounts reaching 0.065% maker and 0.1% taker fees at $5M volume.

Source
Crypto.com: What is the difference between Crypto.com App and Exchange?

The App is designed for beginners with embedded spreads reaching 0.5-1%, while the Exchange platform shows transparent maker/taker fees starting from 0.25%/0.50%, with costs decreasing with CRO staking and VIP levels.

Source
Crypto.com: What are the total costs of trading on Crypto.com?

Estimated total costs are approximately 1.30% per trade, composed of 0.75% trading fees and an approximate spread of 0.55%.

Source
Crypto.com: What integrations does Crypto.com have?

Crypto.com integrates with Coinbase and Kraken for cryptocurrency trading and account activity, enabling multi-exchange portfolio management.

Source
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Related pages

More on PayPal

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