Choosing the right payment method is just as important as choosing the right cash app. This guide explores PayPal, cryptocurrency, and gift cards — their pros, cons, and tips for students and side hustlers in 2025.
Why Payment Methods Matter
Cash apps may promise rewards, but how you receive them determines whether they’re useful or not. In 2025, the three most common methods are PayPal, cryptocurrency, and gift cards. Each has unique advantages and potential drawbacks.
If you’re still unsure about whether apps actually pay, check our article Do Cash Apps Really Pay in 2025?.
PayPal: The Most Popular Choice
PayPal remains the most common payout method. Most legit cash apps — including Freecash and Mode Earn — support PayPal for instant withdrawals.
Pros of PayPal
- Widely accepted for online shopping and transfers.
- Instant or same-day payouts from most apps.
- Secure, with buyer and seller protection.
Cons of PayPal
- Transaction fees may apply for currency conversion.
- Some countries have limited access to PayPal.
Cryptocurrency: For Tech-Savvy Users
In 2025, many apps now allow payouts in Bitcoin, Ethereum, or stablecoins like USDT. For students interested in investing, this is attractive — but it comes with volatility risks.
Pros
- Global — no restrictions by country.
- Potential to grow in value if crypto appreciates.
- Fast transfers compared to bank withdrawals.
Cons
- Crypto prices fluctuate daily.
- Requires a secure wallet; risk of hacks if careless.
For tips on staying safe, read Are Cash Apps Safe in 2025?.
Gift Cards: The Simple Alternative
Many students prefer gift cards because they can be redeemed instantly for shopping. Popular options include Amazon, Netflix, and Google Play gift cards.
Pros
- No bank or PayPal account needed.
- Perfect for entertainment and student needs.
- Often available in small denominations ($5–$10).
Cons
- Cannot be converted to cash.
- Limited to specific retailers.
Which Method Should Students Choose?
If you’re a student, PayPal is the most versatile. Crypto works for those who want to learn investing, while gift cards are best if you only need entertainment or shopping credits.
For student-focused apps, check our guide: Best Cash Apps for Students in 2025.
Final Thoughts
The “best” payment method depends on your lifestyle. PayPal is universal, crypto is futuristic, and gift cards are simple. Whichever you choose, always verify that the cash app offers consistent payouts before committing time.