PYUSD

Accept PayPal USD (PYUSD) On-Chain Payments

Accept PYUSD on Solana and Ethereum at a flat 0.5% fee with 99.5% direct non-custodial wallet settlement, zero chargebacks, and zero account holds.

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0.5%

Gateway fee

30+

Supported tokens

7+

Blockchain networks

24/7

Always-on settlement

What is PayPal USD (PYUSD)?

PayPal USD (PYUSD) is a regulated USD-backed stablecoin issued on Solana and Ethereum. Accepting on-chain PYUSD through XPayr gives global merchants 0.5% direct wallet finality — avoiding closed-loop PayPal account freezes, rolling reserves, and 3.49%–4.99% cross-border merchant fees.

Supported Networks: Solana (SPL Token-2022), Ethereum (ERC-20)
4-step flow

How do PYUSD payments work?

Accept PayPal USD payments through XPayr in four simple steps.

1

Create merchant account

Sign up on XPayr and configure your wallet address for PYUSD settlement.

2

Integrate payment flow

Use API, plugins, payment links, or widgets to add PYUSD checkout to your site.

3

Customer pays with PYUSD

Customer selects PayPal USD at checkout. XPayr generates a payment invoice with real-time pricing.

4

Receive to your wallet

Once confirmed on-chain, the payment is settled directly to your personal PYUSD wallet.

Why accept PayPal USD payments?

Compelling reasons to add PYUSD as a payment option for your business.

0.5% Flat vs Legacy Wallet Fees

Save up to 85% compared with traditional cross-border digital wallet and card merchant fees.

Sub-Second Solana PYUSD Rails

Let buyers settle PYUSD on Solana in under a second for fractions of a cent in network gas.

Zero Account Freezes or Reserves

Funds settle on-chain straight to your own Solana or Ethereum wallet — never trapped in a processor account.

create-payment.js 
const response = await fetch('https://api.xpayr.com/v1/payment', {
  method: 'POST',
  headers: {
    'x-api-key': YOUR_API_KEY,
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    price_amount: 100,
    price_currency: 'usd',
    pay_currency: 'pyusd',
    order_id: 'ORDER-001'
  })
});

const payment = await response.json();
// payment.pay_address  → Send PYUSD here
// payment.pay_amount   → Exact PYUSD amount

How to accept PayPal USD payments

  1. Sign up Create your free XPayr merchant account.
  2. Add your PYUSD wallet Enter your PayPal USD wallet address for settlement.
  3. Generate API key Create an API key from your merchant dashboard.
  4. Choose integration method Use API, plugins, invoices, or payment buttons.
  5. Start accepting PYUSD! Go live and let customers pay with PayPal USD.
Transparent 0.5% Gateway Fee for PYUSD

Accepting $1,000.00 in PayPal USD (PYUSD) costs a flat $5.00 USD (0.5%) gateway fee with $995.00 USD settled directly to your non-custodial wallet. Zero custody, zero rolling reserves, and 1% (max $0.50) exchange withdrawal fee tolerance.

Automate PYUSD Checkout via AI Agents & MCP

Invoke xpayr_create_payment_session or xpayr_calculate_gateway_fee for PYUSD using npx -y @xpayr/mcp-server or our Remote MCP endpoint:

POST https://xpayr.com/api/mcp
FAQ

PayPal USD Payment Questions

Everything you need to know about accepting PYUSD payments through XPayr.

No. PYUSD is an open on-chain stablecoin on Solana and Ethereum. You only connect your own self-custodial Solana or EVM wallet in XPayr.

No. On-chain PYUSD transfers settle with cryptographic blockchain finality and 0% chargeback exposure.

Read our full head-to-head breakdown at /compare/xpayr-vs-paypal-crypto and /alternatives/paypal-crypto-alternative.

Ready to accept PayPal USD payments?

Create your free merchant account and start accepting PYUSD in minutes. No monthly fees, transparent pricing, direct wallet settlement.

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