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How to Buy Ripple (XRP) with Paypal

Want to buy Ripple with Paypal? Read our guide to find the best XRP paypal brokers and read our tips to avoid high fees.
ripple XRP paypal
ripple XRP paypal

Don’t invest unless prepared to lose all the money you invest. This is a high-risk investment, you shouldn’t expect to be protected if something goes wrong.

The process of buying cryptocurrency can be overly complex most of the time and can dissuade beginners from getting involved with the process. Platforms like PayPal can facilitate the buying process entirely and make cryptocurrencies accessible in a cost-efficient way.

Ripple [XRP] is a cryptocurrency that focuses on frictionless global payments, making it an attractive asset for many people. Also, considering that the Ripple price is predicted to increase by the end of 2024; this guide will overview how to buy Ripple [XRP] with PayPal and start using the currency.

While Ripple may seem extremely complex in its technological nature, using it as a payment option and buying it for investment purposes can be very simple with PayPal. Before beginning, ensure you have a valid PayPal account. These funds are linked to your PayPal, a good internet connection, and verification documents such as a passport, proof of residence, and so on at your disposal.

This article looks at the best and easiest ways to buy XRP (formerly known as Ripple) in 2024.

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Contents [show]

    How to Buy Ripple XRP with Paypal in 5 Easy Steps:

    1. Open an account with eToro
    2. Select Paypal as a payment option
    3. Fund your account
    4. Search for Ripple in the trading dashboard
    5. Click on buy, enter the amount and click on place order

    Best Brokers to Buy Ripple with PayPal

    We’ve reviewed the top brokers to buy XRP with Paypal and found eToro to beat the competition platforms regarding safety, fees, educational resources, and trading experience. Click the link below to get started, or read on to find out what makes this our top choice.

    eToro - Our Recommended Crypto Platform

    Our Rating

    eToro exchange
    • 30 Million Users Worldwide
    • Buy with Bank transfer, Credit card, Neteller, Paypal, Skrill, Sofort
    • Free Demo Account, Social Trading Community
    • Free Secure Wallet - Unlosable Private Key
    • Copytrade Professional Crypto Traders
    eToro exchange
    Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more at this link:

    Where to Buy Ripple with PayPal

    How to buy XRP with Paypal on eToro

    Step 1: Sign up to eToro

    Sign up to eToro

    Visit the eToro website and click on “Sign up.”

    You must submit your details on a form on the main page. Once you do, it will only take a few minutes for your account to be set up.

    A simpler registration option is linking your Google or Facebook account.

    Step 2: KYC & Verification

    Next, you need to verify your identity. As an internationally regulated platform, eToro has to comply with AML and KYC requirements, hence the need for verification.

    You can upload your driver’s license, passport, or ID for this step. Though it is not mandatory to buy Ripple, verification will allow you to access other functions, such as trading crypto.

    Step 3: Deposit funds into your account by selecting Paypal as a payment method

    Use your credit card or a bank transfer to fund your eToro wallet and then buy Ripple within the wallet.

    Other payment options include eWallet services like Neteller, PayPal, and Skrill.

    Choose the payment method and then make your initial deposit. For beginners, $250 is a good place to start as you get acquainted with the platform.

    75% of retail investor accounts lose money when trading CFDs with this provider. Crypto assets are highly volatile unregulated investment products. No EU investor protection.

    How to buy XRP with Paypal on Webull

    Below you will find out how to buy Ripple with Webull using Paypal as a payment method.

    Step 1: Sign up to Webull

    Click here to get started. Select whether you want to trade with a demo account or real funds (in this case, select the latter) and continue typing your details in the required fields.

    Step 2: KYC & Verification

    You must verify your identity and address before buying or selling anything on the platform. Upload the documents, and don’t forget to verify your email address and phone number.

    Step 3: Fund your Webull account using Paypal

    The next step is to deposit funds into your account. Webull accepts credit and debit cards, PayPal, Skrill, and bank transfers as payment methods.

    It’s time to trade Ripple!

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    See which of the most popular exchanges accept PayPal and what are their live Ripple prices.

    Tips For Buying Ripple (XRP) with PayPal


    Before attempting any purchases, ensure that your PayPal Personal account is verified and a valid account or card is linked. This will save time and can be verified through the PayPal app.

    Adding multiple verification and security methods will give you more confidence in buying XRP. You can be comfortable only submitting sensitive documents to a singular platform (PayPal) and not have to submit documentation to other places just to link a deposit method.


    Always ensure whichever exchange you use is reputable and verified for PayPal integration. PayPal is a common victim of phishing attempts; this means scammers and hackers will duplicate a login page or verified security page and try to entice users to provide sensitive information to a fraudulent page. Always ensure your link or site is verified and legitimate, not fake or duplicated; follow links from verified and validated sources.

    *A good tip for this is to use Chrome and look for the ‘Lock’ symbol highlighted in green next to your URL bar.*

    Do Your Research

    Always do your due diligence and complete your own research. If a site offers Ripple purchasing with PayPal, but is unreliable, and there are no reviews or acclamations about it online, it’s best to avoid it. Be wary of various scams in the PayPal and cryptocurrency community.

    Ripple (XRP) vs PayPal

    Ripple and PayPal’s payment processors might appear to serve similar purposes on the outside. However, their internal usage is rather contrary. It’s important to know that Ripple is the company name behind ‘XRP’, its respective cryptocurrency (Many people get confused by this).

    Ripple, as a company, provides services to facilitate and streamline the process of global transactions, competing directly with SWIFT. However, XRP also serves as a payment method, a currency in itself that runs in a semi-decentralized manner. PayPal, adversely, is a centralized service that provides users the ability to send payments to other users that are registered on the PayPal platform.

    Regarding adoption, PayPal is more widely available; however, in terms of utility, XRP is faster, more cost efficient, and accessible to anyone with an internet connection.


    • Used for online payments and transactions to others
    • Run on peer-to-peer (P2P) sending fashion
    • Fast transactions that are completed digitally via the internet
    • Can be accepted by online vendors or merchants
    • XRP and PayPal can both be used for


    • XRP is a cryptocurrency in itself; PayPal is a platform that runs by sending representations of fiat currencies (Such as USD or GBP)
    • Ripple (XRP) maintains its technology on a public ledger blockchain, while PayPal is privately recorded.
    • XRP transactions do not discriminate against jurisdictions; PayPal may require additional fees for certain currency or jurisdiction payments.
    • XRP payments cannot be reversed; paypal transactions can be charged back.
    • XRP does not require identification verification or a bank account; PayPal requires it.

    Is Ripple better than PayPal (Or vice-versa?)

    Ripple (XRP) is not, in an absolute manner, better than PayPal, and PayPal isn’t the latter compared to Ripple. Each entity has its own advantages and downfalls, and each has independent uses. As a general form of payment, Ripple (XRP) is, in fact, more efficient and faster than PayPal; however, PayPal is currently more widely accepted on a plethora of websites and third-party platforms.

    Reasons to buy Ripple (XRP) with PayPal

    KYC ProcedureOptional Bank LinkingInstant Payments and TransfersVerified IntegrationChargeback

    Many exchanges that enable the purchase of Ripple require a lengthy KYC (Know Your Customer) process, which is a hedge against fraudulent or illegitimate schemes involving Ripple. KYC is required preliminarily with PayPaypal to sign up, allowing you to add your details and information before any purchases, streamlining the process and saving you time.

    Buying Ripple with PayPal does not require a bank account, as it’s more optional. You can fund your account via credit card or have a third party send you funds and purchase your XRP.

    An excellent quality of PayPal is that it enables representations of transfers and payments nearly instantly. You can buy Ripple (XRP) immediately and don’t need to wait for the physical bank transfer to use the funds to buy Ripple.

    Verified PayPal activation requires lengthy verification and validation from regulatory bodies when being enabled as a valid payment method. As a result, platforms like LocalBitcoins that enable instant and verified PayPal implementation have been pre-audited and vetted by other third party regulatory bodies or firms, which traditionally can give the buyer a larger sense of confidence.

    PayPal enables chargebacks which can serve as a form of protection in the case of hacks, scams, or any other type of process that might have been done harmfully to your attack. With sufficient evidence, the PayPal team will then review the claim; if they find it was actually a hack or fraudulent scam, they’ll issue a ‘Chargeback,’ or in other words, a refund.

    What Other Cryptocurrency Could Be Bought Via PayPal

    PayPal’s “Checkout with Crypto” revolutionized digital payments. PayPal now allows US users to seamlessly convert Bitcoin, Ethereum, Litecoin, or Bitcoin Cash holdings into US dollars. This builds on its previous introduction of buying and selling cryptocurrencies.

    In addition, this conversion comes without extra transaction fees, enhancing cryptocurrency convenience and accessibility. PayPal converts US dollars into local currency even if a merchant does not accept them. Users worldwide benefit from a smooth and efficient payment experience. As a pioneer in bridging the gap between traditional finance and cryptocurrencies, PayPal continues to lead the way.

    The feature will automatically appear in the PayPal wallet if a user has a sufficient cryptocurrency balance to cover an eligible purchase. You can see your crypto balances for each coin type in the app. However, you can only use one cryptocurrency type for each purchase.

    PayPal is not the first payment app to support cryptocurrency. In 2018, its competitor, Square, launched Bitcoin support on the Cash App. But the launch of cryptocurrency as a form of payment makes PayPal both a major digital wallet and a cryptocurrency exchange. This could streamline cryptocurrency use as a more common payment method. The company reported 377 million active accounts during Investor Day last week.

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    Is it safe to buy Ripple with PayPal?

    Buying Ripple using PayPal on a verified and vetted exchange is in fact safe, it does depend on the exchange you're using. As long as the exchange is reputable and has been vetted as a legitimate option, you should be fine as far as safety with purchasing Ripple using PayPal.

    Can I buy Ripple directly on PayPal?

    You can't purchase Ripple, Bitcoin or Ethereum directly on PayPal's platform at this time. However, depositing and funding your PayPal account can then be used to link to an external exchange that allows for this, like LocalBitcoins.

    What is the best site to buy Ripple with PayPal?

    Arguably, LocalBitcoins is the best site to buy Ripple with PayPal on it - this is because LocalBitcoins is regulated and registered, and also because it maintains verified and validated assets. PayPal integration and usage on the platform is very intuitive and can be quick to get started with.

    Can I buy Ripple with PayPal anywhere?

    No, unfortunately, you have to find a supported exchange with PayPal integration in order to buy Ripple using PayPal. Prior to any purchase, make sure PayPal is integrated.

    Is PayPal the fastest option for buying Ripple?

    Arguably, yes, PayPal and peer to peer exchange outlets are the two fastest options for buying Ripple because they are near instant and don't require a ton of verification and KYC if you already have a verified PayPal account.

    Can I buy Ripple using GBP on PayPal?

    Many are aware that USD is available for use to buy Ripple via PayPal, however, less are aware that GBP is also a possible currency. All that's required is that the exchange you deposit to through PayPal also supports GBP.

    Can you still buy crypto on paypal?

    PayPal supports native cryptocurrency transfers between the financial company and other wallets and exchanges. The platform still ranks it as the most requested way of buying the crypto.

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