{"id":9712,"date":"2026-04-10T14:46:43","date_gmt":"2026-04-10T14:46:43","guid":{"rendered":"https:\/\/paybis.com\/blog\/?p=9712"},"modified":"2026-04-10T14:46:44","modified_gmt":"2026-04-10T14:46:44","slug":"crypto-on-ramp-fee-comparison","status":"publish","type":"post","link":"https:\/\/paybis.com\/blog\/crypto-on-ramp-fee-comparison\/","title":{"rendered":"Crypto On-Ramp Fee Comparison 2026: Net Received Benchmarks Across Payment Methods"},"content":{"rendered":"\n
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Key Takeaways:<\/div>

Net received (the actual crypto in your user’s wallet after all fees) is the only accurate cost metric for evaluating on-ramps. Advertised percentages hide spread markups. Based on March 2026 published fee structures: Paybis<\/a> charges a service fee from 1.49% (0% on the first card transaction) plus 4.5-8.5% processing, with all costs shown before confirmation and no embedded spread. MoonPay’s total effective cost reaches 7-8% when the spread is included. Coinbase charges 3.99% card fee plus a 0.5-2% spread, and holds ACH funds for 7-10 days. Run transaction-level benchmarks at your target sizes, not marketing page comparisons.<\/p>\n <\/div>\r<\/div><\/blockquote>\n\n\n\n

Most product teams running crypto wallets<\/a> and DeFi protocols<\/a> obsess over smart contract audits while ignoring the 4%+ hidden spread their fiat on-ramp<\/a> charges users on every purchase. That spread is a per-transaction tax on your conversion funnel, and it compounds directly into churn.<\/p>\n\n\n\n

When a first-time user buys $1,000 of USDC and receives significantly less value than expected due to hidden spreads, they don’t come back. They don’t blame the spread. They blame your product. That’s the infrastructure decision this guide is designed to inform.<\/p>\n\n\n\n

This breakdown covers net-received benchmarks at $100, $1,000, and $5,000 across credit card and bank transfer for Paybis, MoonPay, Coinbase, Transak, and Ramp Network. It also covers integration timelines, regulatory coverage, and cascade routing mechanics.<\/p>\n\n\n\n

Why Net Received Benchmarks Matter More Than Advertised Fees<\/h2>\n\n\n\n

“Fees start from X%” is the most misleading number in on-ramp marketing. It’s not wrong, it’s incomplete. The number your users actually experience is net received: the quantity of crypto deposited into their wallet after every cost component is deducted.<\/p>\n\n\n\n

The full cost stack on any on-ramp transaction includes:<\/strong><\/p>\n\n\n\n