Crypto On-Ramp Supported Countries and Payment Methods
- The Paybis On/Off Ramp serves customers in 180+ countries with 35 payment methods and 54+ fiat currencies.
- Cards, including Apple Pay and Google Pay, work worldwide. Bank transfers such as SEPA, FPS and ACH, and local methods such as PIX, SPEI and M-Pesa, depend on region.
- Customers can see different lists, because methods are geofenced.
A crypto on-ramp is only as useful as the places and payment methods it covers. The Paybis On/Off Ramp serves customers in 180+ countries with 35 payment methods and 54+ fiat currencies. Fiat means everyday money such as USD or EUR.
This guide shows which methods work where, what decides the list your customers see and how to check coverage before you build.
Which countries and payment methods does a crypto on-ramp support?
It depends on the provider and on the customer’s location. With the Paybis On/Off Ramp, cards work worldwide. Bank transfers and local methods work in specific regions. The table starts with cards and bank transfers.
| Method | Where it works | Currencies | Speed |
|---|---|---|---|
| Cards, including Apple Pay and Google Pay | Worldwide | 40+ fiat currencies | Instant |
| SEPA bank transfer | EU | EUR | Up to 2 working days |
| FPS bank transfer | UK | GBP | Up to 2 working days |
| ACH bank transfer | USA | USD | Up to 5 working days |
| SWIFT | Worldwide | Many currencies, set by the payment partner | 2 to 3 business days |
SEPA is the euro payment network between EU banks. FPS is Faster Payments, the UK bank network. ACH is the US bank transfer network. SWIFT is the international bank messaging network. Cards include Apple Pay and Google Pay.
The full reference sits in the Paybis payment methods reference.
Which local payment methods can customers use?
Local methods match how people already pay in their own country. They often settle faster than a bank transfer and feel familiar to the customer.
| Method | Where it works | Currency | Speed |
|---|---|---|---|
| PIX | Brazil | BRL | Instant |
| SPEI | Mexico | MXN | Instant |
| M-Pesa | Kenya | KES | Instant |
| Revolut Pay | Worldwide | 25+ fiat currencies | Instant |
| Skrill and Neteller | Worldwide, except restricted countries | EUR and USD | Instant |
| PayPal | Selected European countries and the US | Nine fiat currencies | Instant |
| Klarna | Austria, Belgium, Finland, Germany, Netherlands, Spain and Sweden | EUR and SEK | Instant to 3 days |
| PaysafeCard | Selected European countries | Sixteen fiat currencies | Instant |
| AstroPay | Selected countries in Africa, Asia and the Americas | USD and local currencies | Instant |
PIX and SPEI are instant bank payment systems in Brazil and Mexico. M-Pesa is a mobile money service used in Kenya. Skrill and Neteller are digital wallets. PayPal and Revolut Pay work in a similar way. Klarna and PaysafeCard serve European markets. AstroPay serves markets in Africa, Asia and the Americas.
Treat the tables as a snapshot. The Paybis documentation says the list can change and that some methods are not open in every region.
What decides which payment methods your customers see?
Four things decide it: the customer’s location, the currency pair, the rules of each method and any regional restriction. Two customers in the same app can see different lists.
| Factor | How it changes what the customer sees | What you can do |
|---|---|---|
| Customer location | Methods are geofenced. Geofencing means the list changes with the customer’s country | Query the API for the customer’s pair instead of showing a fixed list |
| Currency pair | Each fiat and crypto pair has its own set of methods | Call the pairs endpoint, then the payment methods endpoint |
| Payment method rules | Some methods carry extra restrictions set by providers | Read the limits that the API returns |
| Restricted regions | A payment can fail with a RESTRICTED_REGION decline code | Show a clear message and offer another method |
The Paybis documentation points to its APIs for the up-to-date list for your account. An API is a set of requests your server sends to the provider.
How do you check coverage before you build?
Use two endpoints. The first lists the fiat and crypto pairs a customer can buy. The second lists the payment methods and amount limits for one pair.
- Call GET /v2/currency/pairs/buy-crypto to list the available pairs. You can cache the response.
- Call GET /v2/payment-methods/{currencyFrom}/{currencyTo} for the pair your customer picks.
- Show only the methods that come back, with the limits shown.
For the full request flow, read How to Add a Crypto On-Ramp to Your Product: Widget, SDK, or API. It also covers the widget modes. Apple Pay does not work in the iFrame fullscreen overlay mode, so pick the mode with your payment mix in mind.
What happens when a card payment fails?
Paybis shows a local alternative payment method as a fallback. An alternative payment method is any method other than a card. This keeps the sale open when a bank refuses a card.
When a payment fails, the webhook carries a decline code in payment.errorCode. A webhook is a message Paybis sends to your server when a transaction changes status. For the full set of codes, see the payment decline reasons dictionary.
What should you ask a provider about coverage?
Ask for methods by country and not for a total. A big headline number can hide gaps in the countries you care about.
- Which payment methods work in each country where your customers live?
- Which fiat currencies can each method use?
- How fast does each method settle?
- Can I query the list live through an API?
- What happens to the customer when a method is not available?
- Which countries are restricted for each method?
9 Questions to Ask Before You Sign With a Crypto On-Ramp Provider adds the questions that sit outside coverage.
Bottom line
The Paybis On/Off Ramp serves customers in 180+ countries and supports 35 payment methods and 54+ fiat currencies. Cards work worldwide. Bank transfers and local methods depend on region, so check coverage for your own customer base through the API.
To map the methods to your markets, contact the Paybis sales team.
FAQ
How many countries does the Paybis On/Off Ramp support?
It serves customers in 180+ countries.
How many payment methods does it support?
Paybis on/off ramp supports 25+ payment methods, across 54+ fiat currencies.
Do cards work everywhere?
Cards, including Apple Pay and Google Pay, are listed as worldwide. Bank transfers and local methods depend on region.
Why do two customers see different payment methods?
Methods are geofenced, so the list changes with the customer’s location, currency pair and method rules.
How do you check coverage for a pair?
Call the pairs endpoint, then the payment methods endpoint for that pair.
Disclaimer: 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: https://go.payb.is/FCA-Info
