7 Best Crypto Onramp Solutions That Companies Actually Use
Businesses need reliable fiat-to-crypto onramp solutions to succeed in the growing crypto space. The digital asset market expansion requires secure methods to convert fiat currencies into crypto and back again, while also ticking all the compliance and security boxes.
We’ve done the research and put together a list of 7 secure onramp solutions that real companies use today. Whether you’re an iGaming company looking to integrate in-game purchases or you’re a global Ecommerce retailer seeking global expansion, crypto onramps are actively supporting the business transition to crypto.
In this guide, we’ll go over our top 7 picks for the best fiat onramp for crypto solutions based on use cases, services, and success stories to help you understand how to choose onramp services.
Table of contents
Best Fiat Onramp for Crypto Integration
1. Paybis
The Paybis On/Off Ramp solution combines seamless fiat-to-crypto and crypto-to-fiat transactions with multiple payment methods spanning from e-wallets to bank transfers, local payment methods, credit/debit cards, and even mobile payments.
Additionally, this product is fully white-labeled, allowing you to customize the Paybis On/Off Ramp solution to not only fit your brand, but also to boost approvals, user satisfaction, revenue, and growth.
To ensure business satisfaction and high success rates, Paybis guarantees fast onboarding, full adherence to regulatory requirements, a wide list of popular payment methods, and smooth integration options.
Key Features
- Access to 180+ countries and support for 80 fiat currencies
- White label capabilities for extensive customization
- Seamless URL integration, API-based checkout, and full-screen overlay mode
- Subscription-based payments
- Onboarding in under 24h with 0% foreign exchange fees
- PCI-DSS Level 1 certification
- Full AML (Anti-Money Laundering) and KYB (Know Your Business) compliance
- Pricing starts from 0.49% per transaction, with a tiered-pricing model that grows with your business
2. Coinbase Onramp
Coinbase, a publicly traded crypto company, provides high-quality fiat-to-crypto solutions backed by an established crypto exchange infrastructure. The platform helps businesses add crypto onramp features directly into their apps, so users can adopt crypto more easily.
Coinbase also provides both API and SDK options. Developers can use either a customizable React component or create a one-click-buy URL for applications with backend capabilities. Powered by high-profile partnerships like Stripe and embedded in Coinbase’s ecosystem and third-party apps, it’s a top choice for businesses looking to offer smooth onboarding and off-ramping to end users.
Key Features
- Simple and intuitive user experience
- Zero fees for buying and transferring USDC on the Base network
- Coinbase handles all fraud claims and customer support cases on behalf of partners
- Built-in KYC and compliance
- Global reach allowing to buy over 100 tokens with 60+ fiat currencies
- Seamless integration
- Auto-enrolled 2-factor authentication, password protection, and multi-approval withdrawals
- Coinbase Onramp is free to integrate, and users typically pay ~0–2.5% in fees depending on payment method
3. Transak
Transak On‑Ramp is a known fiat-to-crypto gateway designed to simplify the onboarding process for Web3 platforms. With support for over 136 cryptocurrencies and local payment methods in 64 countries, Transak enables developers to embed a customizable widget or SDK into wallets, dApps, NFT marketplaces, gaming platforms, and exchanges.
Transak powers fiat-to-crypto purchases in MetaMask, Trust Wallet, and Phantom, and supports DeFi and NFT ecosystems like Uniswap, PancakeSwap, Immutable, Decentraland, Sequence, and SushiSwap.
Key Features
- Modular white-label API
- Smart contract integration
- Multi-exchange liquidity from 10+ exchanges
- Robust risk engine
- Partner apps get user verification information to make onboarding smooth
- Single-step transactions
- SOC 2 Type II compliance
- ISO/IEC 27001:2022 certification
- Transak On‑Ramp typically charges around 1% per transaction plus optional configurable partner fees, network/gas fees, and a small exchange spread
4. Ramp Network
Ramp Network is another popular fiat-to-crypto (and crypto-to-fiat) infrastructure platform built to onboard users into Web3 ecosystems and support off-ramp flows easily. Operating in over 150 countries, Ramp supports a wide range of payment methods, including Visa/Mastercard debit and credit cards, Apple Pay, Google Pay, SEPA Instant, PIX, and Open Banking transfers.
Developers can integrate Ramp via a lightweight, customizable widget, SDK, or API with minimal code, while Ramp handles compliance (KYC/AML), liquidity aggregation, and payout routing. Notable ecosystem integrations include Polygon, Fantom, Solana, Loopring, Arbitrum, Optimism, Avalanche, ImmutableX, Telos, SWEAT Wallet, Coco Wallet, and others.
Key Features
- Non-custodial design
- Widget integration options with overlay (SDK), hosted, and embedded solutions for web applications
- Single sign-on (SSO)
- Tokenization technology
- SCIM provisioning
- SOC 2 Type II compliance
- Information Security Control Framework
- Ramp Network typically charges a fee of around 0.49% to 2.9% per transaction, depending on payment method and region, plus a network fee
5. MoonPay
MoonPay On‑Ramp is a global fiat-to-crypto gateway for users to buy and sell cryptocurrencies using traditional payment options such as credit/debit cards, Apple Pay, Google Pay, PayPal, bank transfers (including local methods like PIX or Yellow Card), and more.
MoonPay’s partnership ecosystem includes integrations with OpenSea, imToken, CoinGate, and Gaia, an AI‑agent developer network, to power token purchases and AI agent monetization via its Helio payments infrastructure.
Key Features
- Non-custodial framework
- Widget customization
- Wallet creation for new users
- Social sign-in through Google or Apple accounts
- Users can add fiat money to buy crypto without fees
- Follows PCI DSS 4.0, SOC 2 Type II, ISO 27001, and ISO 27018 standards
- Protects all data with TLS 1.2+ during transfer and AES-256 when stored
- MoonPay On‑Ramp charges around 1% for bank transfers and up to ~4.5% for credit/debit card or mobile payments, plus applicable network fees
6. Mercuryo
Mercuryo On‑Ramp is a global fiat-to-crypto and crypto-to-fiat infrastructure provider trusted by 200+ Web3 businesses. Its turnkey widget, SDK, or API enables platforms like decentralized exchanges, wallets, NFT marketplaces, DeFi apps, and neobanks to integrate seamless buy/sell flows.
Features include compliance (KYC/AML), fraud protection, chargeback management, liquidity aggregation, a merchant dashboard, webhooks for transaction tracking, and customizable branding options. Key partnerships include companies like MetaMask, Trust Wallet, PancakeSwap, Binance, Haru Invest, and Injective (INJ) Bridge.
Key Features
- Quick integration like SDK, API, or iFrame
- Branded designs and merchant dashboard
- Non-custodial system
- Complete payment system
- Flexible settlement options
- Anti-fraud monitoring
- Regulatory framework
- Mercuryo On‑Ramp charges up to 3.95% per transaction for buying or selling crypto with a debit/credit card, plus applicable network fees
7. Onramper
Onramper is a fiat‑to‑crypto aggregator built to simplify and optimize on‑ramp and off‑ramp infrastructure for wallets, exchanges, NFT marketplaces, DeFi platforms, and other Web3 use cases. Onramper’s routing engine analyzes over 70 factors in real time, like fees, KYC requirements, geographic location, and user history, to recommend the optimal provider for speed, success rate, and low friction.
In terms of partnerships, Onramper provides services for Exodus, Coinbase Wallet, Telegram Wallet, Solflare, Jupiter Exchange, and Etherspot, enabling smooth fiat‑to‑crypto flows within these products.
Key Features
- Smart recommendations on optimal conversions based on fees, user location, and KYC requirements
- Single code integration
- Unified analytics across all integrated onramps
- URL signing security
- Returning-user routing
- Mandatory URL signing
- Personal data protection
- Onramper doesn’t charge end-users additional fees, but it aggregates multiple onramps to find the lowest-cost option for each transaction
Best Crypto Onramp Solution Comparison Table
|
Provider |
Coverage & currencies |
Integration options |
Compliance & security |
Pricing |
Key strengths |
|---|---|---|---|---|---|
|
Paybis |
180+ countries, 80 fiat currencies |
URL, API, overlay, white-label |
PCI-DSS L1, AML/KYB compliant |
From 0.49% per transaction |
✅ White-label customization ✅ Fast onboarding (<24h) ✅ 0% FX fees ✅ Subscription payments |
|
Coinbase Onramp |
100+ tokens, 60+ fiat |
API, SDK, one-click buy |
Built-in KYC, 2FA, fraud protection |
~0–2.5% |
Backed by major exchange, seamless UX, Coinbase handles fraud/support |
|
Transak |
136+ cryptos, 64 countries |
Widget, SDK, API |
SOC 2 Type II, ISO/IEC 27001 |
~1% + network/partner fees |
Integrated with MetaMask & Web3 dApps, single-step transactions |
|
Ramp Network |
150+ countries |
Widget, SDK, API |
SOC 2 Type II, non-custodial |
0.49%–2.9% + network fee |
Strong Web3 integrations, tokenization tech, SSO |
|
MoonPay |
Global, many local methods |
Widget, API |
PCI DSS 4.0, SOC 2, ISO 27001/27018 |
1% (bank) – 4.5% (card/mobile) |
Popular with NFT marketplaces, strong compliance, wide payments |
|
Mercuryo |
Global, fiat & crypto |
SDK, API, widget |
KYC/AML, anti-fraud, non-custodial |
Up to 3.95% + network fees |
Trusted by 200+ Web3 companies, branded dashboard |
|
Onramper |
Aggregator (70+ factors) |
Single API integration |
Data protection, URL signing |
No direct fee (aggregates) |
Smart routing engine, unified analytics, multiple onramps in one |
How to Choose the Right On Ramp Solution for Your Business
Choosing the right on-ramp solution is crucial for any business operating in Web3, DeFi, or crypto fintech. The right solution ensures a smooth user experience, compliance with regulations, and scalability as your platform grows.
Here’s a step-by-step checklist for choosing the right on-ramp solution for your business:
Step 1. Identify your business needs. Consider your target audience, operating region, which cryptos and networks you need, and what integration options are best for you.
Step 2. Check regulatory compliance. Research whether or not your preferred provider is licensed in key jurisdictions (e.g., US, EU, UK), and adhere to KYC and AML procedures.
Step 3. Evaluate payment methods and currency coverage. Verify support for credit/debit cards, bank transfers, Apple Pay/Google Pay, and local payment methods.
Step 4. Assess fees and pricing transparency. Compare transaction fees, spread, and network fees, and choose providers with clear fee structures and no hidden costs.
Step 5. User experience and UX integration. Look for minimal steps from fiat to crypto conversion, ensuring fast KYC onboarding.
Step 6. Security and fraud prevention. Ask about encryption, anti-fraud tools, and transaction monitoring. A good rule of thumb is to look for partnerships with compliance vendors like Chainalysis, Sumsub, or Elliptic.
Step 7. Scalability and support. Review provider uptime guarantees and SLAs, and check if they offer 24/7 technical support.
Step 8. Reviews and track record. Read online reviews to check proven reliability and years in the market, positive feedback, and other trust signals.
Summing Up
Crypto onramps are becoming increasingly popular solutions, making it easy for companies to transition to crypto assets without fleshing out their own crypto-friendly payments infrastructure. But choosing the right solution for you depends on your specific business needs.
While most onramp solutions provide the same core service, they also include different features and benefits, catering to specific industries. These features can include geographic reach, payment options, fees, security credentials, and unique use cases.
Paybis is one of the most trusted global crypto service providers with a robust decade-long crypto experience. We offer an entire suite of B2B products to help onboard businesses and give the right tools for their crypto journeys.
Interested in leading more? Talk to Paybis!
FAQ
What should businesses consider when choosing a crypto onramp solution?
When selecting a crypto onramp solution, businesses should consider factors such as geographic coverage, supported payment methods and cryptocurrencies, fee structures, security measures, ease of integration, and specific features that align with their use case.
How do fees work for crypto onramp services?
Fees for crypto onramp services usually consist of a combination of service fees, network fees, and sometimes partner fees. The exact structure varies by provider, but generally, fees can range from around 1% for bank transfers to 4-5% for card payments, with some providers offering lower fees for certain cryptocurrencies or payment methods.
What payment methods are typically supported by crypto onramps?
Most crypto onramps support a variety of payment methods, including credit/debit cards, bank transfers, digital wallets (like Apple Pay and Google Pay), and region-specific options. The exact methods available can vary depending on the user’s location and the specific onramp provider.
How do crypto onramp solutions ensure security?
Crypto onramp solutions implement various security measures, including encryption, compliance certifications (like PCI DSS and SOC 2), KYC/AML procedures, and fraud prevention systems. Many also use cold storage for funds and offer features like multi-factor authentication to protect user accounts.
How are crypto onramps and offramps different?
Crypto onramps allow users to convert fiat currency (like USD or EUR) into cryptocurrency, enabling entry into the crypto ecosystem. In contrast, offramps convert cryptocurrency back into fiat, allowing users to exit the crypto space and access traditional financial systems.
I'm looking for the best onramp in the USA and the cheapest solution. What should I choose?
If you’re in the U.S. and want a cheap, easy solution, consider going with Coinbase Onramp. It has zero fees when buying and transferring USDC on the Base network, making it the most cost-effective choice. It also handles KYC, fraud checks, and customer support for you. Plus, Coinbase is a US-based company, which makes it great for affordable and compliant crypto access in the U.S.
What's the best off-ramp for crypto?
For converting crypto back to fiat, Paybis is one of the best choices. It offers a combined on/off-ramp service, making it easy to handle both buying and selling crypto in one solution. Businesses can withdraw funds using various payment methods across many countries. Ramp Network is another good option, especially for Web3 apps, but Paybis offers a more complete off-ramp setup for most business needs.
What's the best fiat onramp for crypto?
Paybis is one of the best fiat onramps for crypto. It supports over 180 countries and 80 currencies, with 70+ payment options like cards, bank transfers, mobile payments, and e-wallets. It’s easy to integrate into any platform and fully customizable to match your brand. Businesses benefit from fast setup (under 24 hours), no foreign exchange fees, and strong security and compliance.
What is a crypto onramp solution?
A crypto on ramp solution is a platform that enables users to convert traditional currencies (fiat) into cryptocurrencies. It provides the infrastructure for businesses to integrate fiat-to-crypto conversion capabilities directly into their applications or websites. To understand better what is onramp, head on to the Paybis business blog.
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