PayPal added crypto, but it's still a custodial wallet famous for sudden holds and account limitations — and it takes a cut of every sale. My Crypto Server settles crypto straight to keys you control.
PayPal wins on consumer familiarity. My Crypto Server wins on fees, custody, and never being frozen.
| You own it My Crypto Server | Wallet & card processor PayPal | |
|---|---|---|
| Platform fees | 0% — only network gas, paid by the customer | ~3.49% + a fixed fee on many sales |
| Who holds your money | Non-custodial — funds land straight in your wallet | Custodial wallet — PayPal holds the balance |
| Account freezes / bans | No account to freeze — you are the processor | Well-known for holds, limitations, and freezes |
| Crypto support | 12 networks, native coins + USDC / USDT / DAI | A few coins in PayPal's wallet, not direct on-chain |
| Own the code & infra | Full source — self-hosted, you own it | Closed platform — no source, no self-host |
Competitor figures reflect standard published pricing and typical terms; exact rates vary by plan, region, and volume.
Funds arrive on-chain in your wallet. There's no balance for a risk system to freeze or roll back.
PayPal's percentage plus fixed fee adds up fast. Crypto costs only the network gas the customer pays.
Accept real BTC, ETH, and stablecoins to your own addresses instead of balances locked inside PayPal.
Being fair
If your buyers already pay from PayPal balances and you want zero crypto, PayPal's reach and buyer trust are hard to match.
$699 one-time with code MCSINTRO $999 — every v1 update included, 0% platform fees, free installation.
Read the docs