Understanding the Paybis On/Off-ramp: A Comprehensive Guide for Businesses
- White-label on/off-ramp integrates into your existing product through a single integration, with no redirect to a third-party page.
- Licensed under MiCA (EU), FinCEN (US), FINTRAC (Canada), FCA (UK), and VASP (Poland).
- Covers 180+ countries, 70+ local payment methods, 80 fiat currencies, and 1,000+ cryptocurrencies.
- No-KYC flow available for limited transaction amounts; full verification handled behind the scenes when required.
- Payment orchestration layer reroutes failed transactions automatically, reporting about 15% more approved transactions than competitors.
- Fully customizable UI and fee structure, configurable by cryptocurrency or payment method.
If you operate a crypto or Web3 business and need a straightforward way for your customers to access cryptocurrencies, the Paybis On/Off-Ramp is a white-labeled solution that handles the fiat-to-crypto and crypto-to-fiat exchange infrastructure so you don’t have to build it yourself.
This guide covers what the On/Off-Ramp is, how it works, and what it offers your business.
Licensing and Regulatory Status
Paybis holds a MiCA CASP licence and a PSD2 Payment Institution licence, both issued by the Bank of Latvia in May 2026, covering crypto-asset services across all 27 EU member states and the EEA. It is also registered with FinCEN as a Money Services Business in the US (registration number 31000272911973), with FINTRAC in Canada (C100000816), with the FCA in the UK, and as a VASP in Poland (RDWW-805).
Paybis On/Off-Ramp at a Glance
- 180+ countries covered
- 70+ local payment methods
- 80 fiat currencies supported
- 1,000+ cryptocurrencies available
- 95% authorization rate on ACH and Fedwire in the US
- Up to $300,000 per day in transaction limits for US clients
- Swap fees under 0.5%
What is the Paybis On/Off-Ramp?
The Paybis On/Off-Ramp is a white-labeled tool for buying and selling cryptocurrencies. It integrates into your existing product through a single integration, so the exchange experience matches your interface rather than redirecting users to a third-party page.
How Does the On/Off-Ramp Work?
The Paybis solution works by integrating directly with your website.
Once you’ve signed up for the Paybis service, you’ll be provided with all the tools to easily integrate the solution into your website or mobile app.
Once the integration is complete, you gain access to the partner portal, which offers real-time statistics, profit analysis, transaction details, and much more.
This useful tool allows you to stay in control, change payment details, set fees, obtain instant feedback, and develop strategies based on the obtained results.
Why Should You Choose Paybis On/Off-Ramp for Business?
Wide Range of Payment Methods
By integrating Paybis On/Off-Ramp, you’ll be able to accept a variety of payment methods on your website. This is especially useful if your target audience is not accustomed to credit cards or doesn’t have access to them.
With Paybis, they can enjoy frictionless payouts and deposits regardless of the provider they use. Businesses, in turn, save time and money on negotiating with payment partners, agreeing on licenses, and dealing with other legal formalities.
Improved Approval and Success Rates
Paybis drives up the approval and success rates for all kinds of businesses. On average, we save about 15% more transactions compared to competitors, thanks to our advanced payment orchestration layer.
If a transaction can’t be processed with a certain payment provider, we will automatically redirect it to the next one, depending on the available options, until the transaction is approved. It’s all done in seconds, so your users won’t even notice. As a result, you gain more satisfied returning customers.
Fully White Label Solution
Our On/Off-ramp is the only solution that offers complete customization to match your product’s design and overall user interface.
This ability to tailor the experience builds trust and loyalty among your customers, as they will be unaware that they are using a third-party solution during the transaction.
User-Friendly Interface
We have designed our On/Off-ramp with intuitive user experience in mind.
At Paybis, we believe in simplifying the purchase of digital currencies, enabling users to complete transactions with just a few clicks. With our new product, your customers can enjoy effortless buying and selling of cryptocurrencies, benefiting from a transparent, user-friendly experience that leads to higher approval rates.
Competitive Pricing
The Paybis Widget offers competitive pricing for businesses of all sizes. Whether you’re a small business just starting out or a large corporation, you’ll be able to find a payment plan that fits your needs and budget. Simply contact our team, and we’ll find what’s right for you.
No KYC Flow
We provide no KYC flow for limited transactions, and two frictionless flows for when verification is required. You have the flexibility to perform the verification yourself or pass us the token, depending on your specific needs.
Paybis ensures compliance with regulatory standards through behind-the-scenes checks, offering a streamlined approach that guarantees security and compliance while minimizing the burden of excessive documentation. By simplifying the onboarding process, businesses can attract and retain more customers, open up additional revenue streams, and increase engagement.
Limitless Customizability
Tailor the Paybis on/off-ramp to your exact specifications and create a superior product that aligns with your business goals. Enjoy full customization capabilities, allowing you to adjust the product fee structure to meet your requirements.
Additionally, you can easily modify fees for specific cryptocurrencies or payment methods, providing you with flexibility and control over your revenue streams.
Web3 Businesses Empowered
The Paybis On/Off-Ramp integrates into dApps, custodial and non-custodial wallets, NFT platforms, DeFi platforms, CEX/DEX platforms, and games, through the same white-label integration described above.
Take the next step and contact Paybis today to learn more about the transformative potential of our white-label on/off-ramp solution.
Related Reading
- Types of Crypto Licenses Explained
- How to Choose a Regulated Crypto Exchange
- Paybis Send: Crypto Payouts Overview
FAQ
What is a crypto on-ramp?
An on-ramp converts fiat currency into cryptocurrency, letting users enter the crypto market with a card, bank transfer, or other standard payment method.
What is a crypto off-ramp?
An off-ramp converts cryptocurrency back into fiat, letting users withdraw to a bank account or payment card.
What's the difference between an on-ramp and an off-ramp?
An on-ramp moves fiat into crypto; an off-ramp moves crypto back into fiat. Paybis provides both through a single integration.
Is the Paybis On/Off-Ramp safe to use?
Paybis operates under active licenses in the EU, US, UK, Canada, and Poland, and applies AML and KYC checks in line with those requirements.
What cryptocurrencies can my users buy and sell?
The on/off-ramp supports 90+ cryptocurrencies through a single integration. Bitcoin is the most commonly traded asset, accounting for roughly 60% of transaction volume. Beyond Bitcoin, your platform can support diverse user needs by enabling them to buy Ethereum and other leading cryptocurrencies through a single integration. Popular options include USDT, USDC, BNB, and major DeFi tokens. You choose which assets to enable for your users based on your business model. Adding new cryptocurrencies doesn’t require additional technical work – they’re activated through your dashboard settings.
How do users cash out their cryptocurrency?
The off-ramp functionality works identically to the on-ramp, just in reverse. Just as important as on-ramping is the ability for users to withdraw Bitcoin to bank account when they need to cash out, completing the full cycle of crypto accessibility. Users select the cryptocurrency they want to sell, enter their bank details or card information, and receive fiat within minutes to hours, depending on the payment method. The same payment methods are available for buying work for selling – cards, bank transfers, and local payment options. Settlement speed varies by region and method, with card withdrawals typically fastest.
Do I need to build my own wallet to use the on/off-ramp?
No, the on/off-ramp integrates with whatever infrastructure you already have. If you’re operating an exchange, users buy crypto and it deposits directly to their exchange balance. DeFi platforms can route purchased crypto to users’ connected Web3 wallets. For businesses building their own crypto wallet solutions, integrating a robust on/off-ramp is crucial to delivering a complete user experience from fiat to crypto and back. The on/off-ramp is a payment processing layer, not a custody solution. You control where the cryptocurrency goes after purchase.
What payment methods can my users choose from?
The platform supports 20+ payment methods globally, with availability varying by region. Credit and debit cards (Visa, Mastercard) work worldwide and process instantly. Bank transfers are available in most markets with 1-3 day settlement times. Local payment methods include SEPA for Europe, Faster Payments for the UK, and region-specific options like iDEAL, Przelewy24, and Trustly. Mobile money integration covers markets like Kenya (M-Pesa) and other African regions. Payment method availability shows dynamically based on user location.
How does white-label customization work?
White-label means the entire user experience carries your brand, not Paybis’s. Users see your logo, colors, and domain throughout the purchase flow. The checkout interface matches your existing design system. Transaction confirmations come from your domain. Users never know they’re using Paybis infrastructure – they just see your platform. Customization happens through your dashboard where you upload branding assets and configure UI elements. Changes apply immediately without requiring code deployments.
Can users buy crypto in their local currency?
Yes, the on/off-ramp supports 80+ fiat currencies with automatic currency detection based on user location. Whether you’re operating a wallet, exchange, or DeFi platform, enabling your users to buy crypto seamlessly is essential for growth and retention. A user in Japan sees JPY pricing, while someone in Brazil sees BRL. Exchange rates update every 30 seconds to reflect live market conditions. Users aren’t forced to convert to USD or EUR before buying cryptocurrency. This localization significantly improves conversion rates in non-USD markets.
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
