Buy XRP With PayPal: How to Do It the Easy Way

PayPal keeps leveling up its crypto game, like your favorite game suddenly unlocking DLC content. From Bitcoin to Ethereum and beyond, it’s turning everyday checkouts into a sneak peek of the future of money. If you’re looking to buy XRP with PayPal, you’ll need to take a pretty specific route, however.

Why? Well, XRP is part of PayPal’s new merchant payments service, but it still doesn’t show up in the consumer app.

The good news is there are platforms like CEX.IO and Zengo that bridge the gap, and in this article, I’ll show you exactly how to use them to get XRP into your wallet.

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Can You Really Buy XRP With PayPal?

First things first, you can buy crypto with PayPal directly through its app. The process is simple: choose the coin, pick PayPal as your payment method, and confirm the purchase. For beginners, it feels almost no different than paying for anything else with PayPal.

At the moment, the lineup includes PayPal USD, Bitcoin, Ethereum, Litecoin, Bitcoin Cash, and Chainlink. That covers a mix of stablecoins and major assets, making PayPal a quick on-ramp for those coins if you just want to get started fast.

Ripple (XRP) has recently been added to PayPal’s crypto list. But after my research, it seems that it's only available to US merchants through the Pay with Crypto option. Taken from the official PayPal news, here's what they said:

Pay with Crypto will be available to US merchants. It offers the ability to pay with 100 cryptocurrencies including BTC, ETH, USDT, XRP, BNB, Solana, USDC and many others.

Now, what do you do if you’re not a seller but still want in? The solution is to use exchanges and wallets that let you buy Ripple. PayPal just becomes the payment rail that gets you there. Here are the main platforms that support it:

• CEX.IO. A centralized exchange that supports buying XRP directly with PayPal in certain regions. Best if you prefer a traditional trading platform.
• Paybis. A cryptocurrency exchange that works more like a fiat on-ramp, supporting PayPal for quick XRP purchases.
• Crypto.com. Allows PayPal deposits for some users (mainly US), which can then be used to buy XRP.
• MoonPay. A payment gateway that lets you buy XRP with PayPal and delivers it straight to your wallet.
• Zengo Wallet. A self-custodial wallet that uses providers like MoonPay and Banxa to accept PayPal. Ideal if you want to hold your XRP securely from the start.

These are the most straightforward routes to buy XRP with PayPal. Next, let’s break down exactly how each one works step by step.

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How to Buy XRP With PayPal

The list includes a mix of exchanges, on-ramps, a payment gateway, and even a self-custodial wallet. For self-custody wallets, you need to pay extra attention since they’re not easy to use and often require a level of knowledge.^[1]

Each takes a slightly different path, but the goal is the same: to buy Ripple with PayPal.

How to Buy XRP on CEX.IO

CEX.IO is one of the more straightforward ways to link PayPal with XRP, thanks to its Instant Buy feature. The setup is quick, and once your account is verified, you can fund purchases directly with PayPal.

Note that PayPal payments on CEX.IO are only supported for verified US users. If you don’t see PayPal in the payment methods list, it means your account or region is not eligible.

How to Buy XRP on Paybis

Paybis is a global crypto on-ramp that supports PayPal in certain regions, giving you a straightforward way to buy XRP and have it sent directly to your wallet.

Once the payment clears, the XRP will be delivered to the wallet you selected.

How to Buy XRP on Crypto.com

Crypto.com makes it possible for eligible EU and US users to link PayPal directly for crypto purchases, which means you can fund your account quickly and put it straight into XRP.

With PayPal linked, buying XRP on Crypto.com is as simple as confirming a few details. Once the payment clears, your coins are ready to trade, hold, or transfer.

How to Buy XRP on MoonPay

MoonPay is a popular payment gateway that makes buying crypto simple, and it supports PayPal for XRP purchases. The big advantage here is speed, so you can go from signup to checkout in just a few minutes.

Once your order is confirmed, MoonPay sends the XRP straight to your wallet. This makes PayPal one of the fastest and most convenient ways to get Ripple through this platform.

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How to Buy XRP With Zengo Wallet

Now that we’ve covered exchanges and on-ramps, let’s look at how to buy XRP with Zengo Wallet. Zengo is a self-custodial wallet, which means your XRP is stored securely in your control. And yes, you can fund purchases directly with PayPal.

Using PayPal with Zengo is a straightforward way to buy XRP while keeping your crypto safe in a wallet you own from day one. Just remember that with self-custody, the wallet's security is entirely in your hands.

📚 Read More: Mastering Self-Custody for Beginners

Can You Buy XRP With PayPal on Other Exchanges?

Wondering what other exchanges help you buy XRP with PayPal? While some platforms support it, the path isn’t always straightforward, and knowing these details can save you time if you’re looking into how to buy XRP cryptocurrency.

Binance

Binance is the world’s largest crypto exchange, best known for its huge selection of coins and low trading fees. Beyond simple buying and selling, it also offers spot trading, futures, staking, and a wide range of DeFi services.

Ripple (XRP) is one of the best cryptocurrencies listed on Binance, but PayPal support here is limited. Binance doesn’t integrate PayPal directly for deposits or withdrawals due to chargeback risks and regulatory issues.

The main way to use PayPal on Binance is through its peer-to-peer (P2P) marketplace, where individual sellers may accept PayPal. Here’s how to get started:

Using the P2P marketplace can work, but it comes with higher risks, like scams and chargebacks being more common in P2P trades compared to buying directly from the exchange. To stay safe, stick to verified sellers.

So, what's the verdict here? When it comes to how to buy XRP cryptocurrency on Binance, this route is possible but not the smoothest option. A direct exchange or wallet that supports PayPal for Ripple purchases will usually be safer and easier.

📚 Related Reading: Best P2P Crypto Exchange

Kraken

Kraken has built its reputation as one of the most secure and regulation-friendly exchanges in the industry. It’s known for strong fiat currency support and a transparent fee structure, making it a reliable choice for many traders worldwide.

Yes, you can connect PayPal to Kraken, but only as a deposit method for certain currencies like EUR, GBP, and AUD. Once the money lands in your account, you can then use it to buy XRP through Kraken’s spot market.

There are some requirements to keep in mind before using PayPal. Your Kraken account must be verified at the Intermediate or Pro level, and the name on your PayPal account has to match the name on your Kraken account.

Plus, PayPal deposits are only available to clients in the US, UK, the European Economic Area (excluding Hungary and Croatia), and Australia. If you want to try Kraken, getting started only takes a few steps:

Kraken is a great option if you already use it for trading and want the extra safety of a regulated exchange. But if your priority is speed and simplicity when trying to buy XRP with PayPal, there are more direct options out there.

📚 Read More: Kraken Review

Pros and Cons of Using PayPal to Buy XRP

When deciding how to fund your XRP purchase, PayPal can seem like the easy choice. It is fast, familiar, and widely accepted, but it also comes with limitations worth knowing. Understanding both sides will help you judge if PayPal is the right fit for you.

Pros

One of the biggest advantages of using PayPal for Ripple is the convenience it offers. You do not have to type in card numbers or wait for a bank transfer to clear.

Linking PayPal is usually as simple as signing in, and that ease of use lowers the barrier for anyone who wants to get XRP without unnecessary steps.

Another benefit is speed. Traditional bank transfers can take several days, but PayPal transactions typically clear much faster. This is especially helpful when you want to move quickly on a market dip or get funds into your account without delay.

Trust also plays a role. Many people feel more comfortable using PayPal than giving direct exchange access to their banking details. The familiarity of a household name adds a layer of reassurance that makes it easier to take the leap into buying crypto.

Pros

• Secure and reliable
• Accepts fiat currencies
• Lots of trading options

Main Features

• Reputable exchange
• Accepts fiat currencies
• Offers various trading options

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Pros

• Beginner-friendly
• Secure
• Decent trading and withdrawal fees

Main Features

• Crypto.com Visa Card
• Automated tools & bots
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Pros

• Accepts fiat currencies
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Cons

The biggest drawback is that XRP isn’t available for direct consumer purchases in the PayPal app. It’s only for US merchants using the Pay with Crypto service. That's why you need an exchange or wallet that integrates PayPal as a funding option.

In traditional finance, exchanges are only allowed to roll out new products when strong safeguards are in place,^[2] and crypto often follows the same path. Until regulators provide more clarity around XRP, this is likely why PayPal is keeping access limited.

Even then, the convenience usually comes at a price. PayPal payments often cost more than other methods once you factor in both PayPal’s own charges and the exchange’s fees. Over time, these small differences can make a noticeable dent in your purchase.

At the time of writing, here’s PayPal’s own fee structure for crypto transactions:

Table: PayPal fees for purchase, sale, or conversion amount

Access is also limited. Only a handful of platforms let you buy XRP with PayPal, and most of them focus on the US audience. That makes it less reliable than bank transfers or cards that nearly every exchange accepts by default.

In some cases, you cannot buy XRP with PayPal at all. Instead, you may need to purchase another coin, such as BTC or USDT first, then convert it to XRP. Each additional step could mean more fees and more friction, making the process less straightforward.

PayPal is not perfect, but it has its place. If you value speed, familiarity, and an extra layer of trust, it can be worth paying the higher fees. If cost and direct access matter more to you, another payment method may be the smarter move.

PayPal Alternatives for Buying XRP

PayPal is convenient, but it is not the only way to buy XRP. Depending on your priorities, other payment options can be cheaper, faster, or simply more reliable. Here are a few worth considering.

• Credit and debit cards. Most exchanges accept them, and they give you instant access to XRP. The trade-off of buying XRP with a credit or debit card is that fees are often higher than bank transfers, so convenience comes at a cost.

• Bank transfers. A slower option, but usually the cheapest. Transfers can take a few days to settle, but for larger purchases, the savings on fees often make the wait worthwhile.
• Crypto deposits. If you already hold ETH, SOL, or another coin, you can transfer it to an exchange that lists XRP and swap directly. It is fast, flexible, and avoids payment processor fees altogether.
• Other e-wallets. Some platforms support services like Skrill or Neteller, which work similarly to PayPal. Availability depends on the region, but for some buyers, these can be a solid alternative.

Choosing the right method depends on what matters most to you, whether it’s speed, cost, or simplicity. By knowing your options, you can pick the payment route that lines up with your goals.

Tips and Mistakes to Avoid

Buying XRP with PayPal isn’t rocket science, but there are a few easy ways to slip up if you’re not paying attention. Keep these in mind before you hit “buy.”

• Know your exit plan. Before buying XRP with PayPal, decide whether you’ll keep it on the exchange for trading or move it to a wallet for long-term holding.
• Check the fees twice. PayPal transactions often come with higher costs, and some platforms add their own on top. Review before confirming.

• Watch out for P2P risks. Peer-to-peer trades (like on Binance) can work, but scams and chargebacks are more common than on direct exchanges.
• PayPal app VS PayPal. The consumer app only lists a handful of coins. XRP is reserved for US merchants, so if you want it, you’ll need to use PayPal as a payment method on an exchange or wallet that actually supports it.

Handled right, PayPal can be a quick and familiar way to get XRP. Just make sure you know the rules, the risks, and the real costs before buying.

📚 Read More: Is XRP Dead?

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Conclusions

You can buy XRP with PayPal, but not directly through the app unless you’re a US merchant. For regular buyers, the solution is using exchanges and wallets that integrate PayPal as a payment method.

If you’re buying through exchanges, knowing how to buy XRP cryptocurrency means weighing speed and simplicity against price and flexibility. That trade-off will help shape whether PayPal is the right fit for your purchase.

The content published on this website is not aimed to give any kind of financial, investment, trading, or any other form of advice. BitDegree.org does not endorse or suggest you to buy, sell or hold any kind of cryptocurrency. Before making financial investment decisions, do consult your financial advisor.

Scientific References

1. Bowler, R., Goodell, G., Revans, J., Bizama, G., Speed, C.: ‘A Non-Custodial Wallet for Digital Currency: Design Challenges and Opportunities’;

2. Dombalagian, O.: ‘Serendipity and Self-Regulation: The Evolution of Cryptocurrency-Based ETPs’.