Skip to main content
comparison21 min read

Crypto On/Off-Ramp Comparison

Comparison of crypto on-ramp and off-ramp providers with fees, coverage, and developer experience.

Summary: Comparison of crypto on-ramp and off-ramp providers with fees, coverage, and developer experience.

Share:

Complete Ramp Comparison

Provider
Type
On-Ramp
Off-Ramp
Coverage
Fee Model
Min Fee
Dev UX
Founded
90
Both
✅
✅
Global
Low
~€0.01 ‡
Good (API)
✅
2014
🟢 Self
Low fees
89
Both
✅
✅
Global
Medium
~$1.00 ‡
Good (API)
✅
2011
🟢 Revenue
Bitcoin focus
88
Both
✅
✅
Global
Usage Based
Custom
Excellent (Stripe style)
✅
2010
🟢 PublicCo
Trust
86
Both
✅
✅
~170+ Countries
Low/Medium
~€5.00 ‡
Good (Widget)
✅
2017
🟡 VC
EU focus
86
Both
✅
✅
~150+ Countries
Low/Medium
~€2.49
Good (SDK)
✅
2017
🟡 VC
EU / Speed
85
Both
✅
✅
Global
Medium
~$5.00 ‡
Good (API)
✅
2015
🟢 Revenue
Exchange
84
Both
✅
✅
~90+ Countries
Medium
Not published
Excellent (SDK)
✅
2012
🟢 Coinbase
Coinbase users
84
Both
✅
✅
~170+ Countries
Medium
~€5.00 ‡
Good (API)
✅
2014
🟢 Revenue
EU
84
Both
✅
✅
US + Select Global
Variable (Risk based)
Custom
Advanced (API/SDK)
✅
2020
🟡 VC
US / Fraud
82
Both
✅
✅
~170+ Countries
Variable
Custom
Advanced (Plugin/API)
✅
2018
🟡 VC
Global pay rails
82
Both
✅
✅
Global
Medium
Custom
Good
✅
2018
🟡 VC
B2B
81
Both
✅
✅
Global
Variable
Custom
Good
✅
2014
🟢 OSL Group
Local Pay
81
Both
✅
✅
~190+ Countries
Medium/High
~$10.00 ‡
Good (Widget)
✅
2014
🟢 Nuvei
High limits
81
Both
✅
✅
~64 Countries ‡
Medium (Spread + Fee)
~$5.00 ‡
Excellent (React SDK)
✅
2020
🟡 VC
Developers
79
Both
✅
✅
~100+ Countries ‡
Medium
~₹100 ‡
Good (API)
✅
2017
🟡 VC
India / APAC
79
Both
✅
✅
~160+ Countries
High (Spread + Fee)
~$3.99
Great (Widget)
✅
2019
🟡 VC
Coverage
79
Both
✅
✅
Select Global
Variable
Custom
Good (API)
✅
2022
🔴 Unknown
Enterprise
78
Both
✅
✅
~130+ Countries
Medium
~$5.00 ‡
Good (Widget)
✅
2020
🔴 Unknown
Multi-chain
73
Both
✅
✅
US + Select
Usage Based
Custom
Excellent (API)
✅
2018
🟡 VC
Enterprise
72
Off-Ramp
❌
✅
Global
Variable
Custom
Good (API)
✅
2018
🟡 VC
Business off-ramp
66
On-Ramp
✅
❌
US (ex-NY)
Low
0.0-1.5% ‡
Good (Widget)
✅
2013
🟢 PublicCo
US dapps
62
On-Ramp
✅
❌
~190+ Countries
High
~$30.00 ‡
Basic (Widget)
✅
2013
🟢 Revenue
Simple on-ramp

‡ UNVERIFIED: the cell was not confirmed from a primary source on 2026-10-15 (see RAMPS_DETAILS.md). It still feeds the generated score.

Scoring note: Score and Rec are generated from the visible columns above using scripts/sync_table_scores.js and methodology version 2026-04-visible-columns-v3. Update the table inputs first, then resync the scores.

Details

Source of truth note: Current Score values are generated from the visible columns in RAMPS.md via scripts/sync_table_scores.js (2026-04-visible-columns-v3). If a long-form section below mentions older rankings or approximate scores, trust the main comparison table.

TL;DR: The generated snapshot below mirrors the current main-table ordering and scores. Use it for the latest rankings; the long-form sections below explain fee structures, geographic coverage, and integration tradeoffs.

Current generated snapshot: CoinGate (90, Low fees, 🟢), BitPay (89, Bitcoin focus, 🟢), Stripe (88, Trust, 🟢), and Guardarian (86, EU focus, 🟢). Regenerated from RAMPS.md by scripts/sync_table_scores.js using methodology 2026-04-visible-columns-v3.

Current Top Rows (generated)

RankProviderScoreBest ForRec
1CoinGate90Low fees🟢
2BitPay89Bitcoin focus🟢
3Stripe88Trust🟢
4Guardarian86EU focus🟢
5Ramp86EU / Speed🟢

Data Sources: Provider fee pages, developer docs, ESMA MiCA CASP register, company press releases. Re-checked 2026-10-15; anything not re-checked is listed under "Verification status by provider" below.

Verification Status: Re-checked 2026-10-15 against provider pages fetched that day. Where a page blocked the fetch (HTTP 403) or published no figure, the value is marked UNVERIFIED rather than guessed. Values marked "~" are approximate.

Ramps URL Verification (Automated)

Ran scripts/verify-ramps.py on 2026-10-15 and again on 2026-10-17 (the licence table below is unchanged) (direct fetch, r.jina.ai fallback, ESMA MiCA CASP register lookup).

Direct FAIL + proxy OK: Coinbase Pay, Banxa, Simplex
Bot/Access flags: Sardine, Mercuryo, Transak, MoonPay, Modern Treasury (access denied); MoonPay and Modern Treasury also return "not found" text. CoinGate and CoinSwitch fail only through the proxy.
Other notable: ramp.network now 301-redirects to rampnetwork.com and utorg.pro to utorg.com; the table links were updated. Transak and the Coinbase help centre return 403 to automated fetches.

💰 Fee Structure Analysis

Fees are the biggest friction point for users. They typically consist of three parts:

  1. Processing Fee: charged by the ramp (e.g., 1% - 3.5%).
  2. Network Fee: Gas costs (user pays).
  3. Spread: The difference between the quoted price and market spot price (often hidden, 1% - 3%).
ProviderEst. Processing FeeEst. SpreadMin. FeeNotes
RampUp to 1.40% (manual bank transfer), up to 2.40% (easy bank transfer), up to 3.9% (card in USD/EUR/GBP), up to 5.45% (card in other currencies), up to 2.90% (Pix)UNVERIFIED€2.49Source: rampnetwork.com/pricing-policy, 2026-10-15. Percentages are maximums; pricing varies by asset, currency and country
TransakUNVERIFIED (~3.5% cards, ~$5.00 minimum are older figures; transak.com returned 403 on 2026-10-15)UNVERIFIEDUNVERIFIEDTransak docs say fees depend on region, payment method and volume; use the quote endpoint for live fees
MoonPayUp to 4.5% (card)UNVERIFIEDUp to $3.99 direct, up to $4.50 for partner referralsSource: moonpay.com/legal/pricing_disclosure, 2026-10-15. Non-USD orders add 0.25% to 10% to the minimum. Virtual accounts typically about 1%. Cash App Pay 2.9% + $0.30
StripeCustomCustomCustomUsage-based pricing for businesses. Stripe docs (2026-10-15) publish no fee figures; hosted onramp is in public preview and needs an application
Coinbase Pay (Onramp)2.5% credit card, 0.5% ACH, plus spreadUNVERIFIEDn/a (not a fee; Apple Pay / Google Pay minimum purchase about $5)Source: docs.cdp.coinbase.com FAQ, 2026-10-15. Free for developers. Guest checkout in the hosted widget deprecated 2026-06-30
CoinGate (merchant)1% payment processingn/aCrypto payouts €0.50 + 0.5%Source: coingate.com/pricing, 2026-10-15
BitPay (merchant)2% + $0.25 under $500k/month; 1.5% + $0.25 to $1M; 1% + $0.25 aboven/an/aSource: bitpay.com/pricing, 2026-10-15

Agent Insight: "Zero Fee" promotions often hide costs in the Spread. Always check the final "Amount Received" vs. Spot Price.

1. Integration Methods

  • Widget (No-Code/Low-Code): The easiest way. You embed an iframe or use a React component.
    • Supported by: Transak, MoonPay, Ramp, Banxa.
  • API (Custom UI): You build the UI, they handle the logic. Requires more compliance work (PCI-DSS often handled by them, but UI is on you).
    • Supported by: Sardine, Stripe, MoonPay (Enterprise), Transak (Enterprise).

2. KYC & Compliance

  • Merchant of Record (MoR): All listed providers act as the MoR. They handle chargebacks, fraud, and KYC.
  • Tiered KYC:
    • Low Tier (<$150): Often just Name + Address + DOB (Simplified).
    • High Tier (>$150): ID Scan + Selfie required.
  • Friction: Sardine and Stripe are noted for better fraud detection that reduces false declines, a major issue with crypto purchases.

3. Supported Chains

  • Transak & MoonPay: Support the widest range of long-tail assets and chains (L1s, L2s, some L3s).
  • Coinbase Pay: Strong Coinbase ecosystem integration (Base, Ethereum, Solana, Bitcoin, and Coinbase-supported chains).
  • Ramp: Strong focus on Ethereum L2s (Arbitrum, Optimism, zkSync, Base).
  • Stripe: More conservative asset list (mostly majors: BTC, ETH, SOL, USDC).
  • Modern Treasury: Enterprise payment infrastructure with crypto capabilities, primarily US-focused.
  • BitPay: Bitcoin-focused with some altcoin support (BCH, ETH, LTC, XRP, DOGE).
  • Guardarian, Utorg, CoinGate: Multi-chain support with varying coverage of major chains.

🟢 Recommendation Guide

"I need..."

  • ...to support the most countries & tokens:

    • 👉 Transak or MoonPay. They cover 160+ countries and thousands of tokens.

  • ...the lowest fees for my users:

    • 👉 Ramp Network (especially for bank transfers/SEPA).

  • ...higher limits & instant settlement in the US:

    • 👉 Sardine. Their "Instant ACH" is a game changer for high-value NFT mints or DeFi deposits.

  • ...my users to feel safe:

    • 👉 Stripe. Users recognize the brand and UI.

  • ...to support local payment methods (e.g., POLi in Australia, iDEAL in Netherlands):

    • 👉 Banxa. They specialize in local payment rails.

⚠️ Implementation Checklist

  1. Webhooks: Set up webhooks to listen for ORDER_COMPLETED or ORDER_FAILED events to update your UI.
  2. Environment: Always test in STAGING / SANDBOX mode first. Real money testing is painful.
  3. Geo-Blocking: Ensure your UI handles unsupported regions (e.g., New York, Texas, Crimea, etc.) gracefully if the widget doesn't auto-detect.

Integration Guides

Transak Integration

  • Widget: React SDK available, easy integration
  • API: Enterprise API for custom UI
  • Documentation: Comprehensive docs with examples
  • Support: Active developer community

MoonPay Integration

  • Widget: Simple iframe or React component
  • API: Enterprise tier available
  • Documentation: Good documentation
  • Support: Email support, developer resources

Ramp Integration

  • Widget: SDK available
  • API: Custom integration possible
  • Documentation: Good documentation
  • Support: Developer support available

Sardine Integration

  • Widget: Limited widget support
  • API: Primary integration method (API/SDK)
  • Documentation: Advanced documentation
  • Support: Enterprise support available

Stripe Integration

  • Widget: Stripe-style integration
  • API: Full API access
  • Documentation: Excellent documentation (Stripe standard)
  • Support: Premium support available

Coinbase Pay Integration

  • Widget: React SDK available
  • API: Full API access
  • Documentation: Excellent Coinbase documentation
  • Support: Coinbase developer support

Simplex Integration

  • Widget: Simple widget integration
  • API: API available
  • Documentation: Good documentation
  • Support: Email support

Modern Treasury Integration

  • Widget: No widget (API-only)
  • API: Full REST API
  • Documentation: Excellent enterprise documentation
  • Support: Enterprise support available

Guardarian Integration

  • Widget: Widget available
  • API: API available
  • Documentation: Good documentation
  • Support: Email support

CoinSwitch Integration

  • Widget: Limited widget
  • API: Primary integration method
  • Documentation: Good API docs
  • Support: Developer support

Utorg Integration

  • Widget: Widget available
  • API: API available
  • Documentation: Good documentation
  • Support: Email support

CoinGate Integration

  • Widget: No widget (API-only)
  • API: Full API
  • Documentation: Good API documentation
  • Support: Email support

BitPay Integration

  • Widget: No widget (API-only)
  • API: Full API
  • Documentation: Good merchant API docs
  • Support: Merchant support

Changelly Integration

  • Widget: No widget (API-only)
  • API: Full API
  • Documentation: Good API documentation
  • Support: Email support

Coinify Integration

  • Widget: No widget (API-only)
  • API: Full API
  • Documentation: Good API documentation
  • Support: Email support

onesafe Integration

  • Widget: No widget (API-only)
  • API: Full API
  • Documentation: Enterprise documentation
  • Support: Enterprise support

Reap Integration

  • Widget: No widget (API-only)
  • API: Full API (off-ramp only)
  • Documentation: Business API documentation
  • Support: Business support

Coinmama Integration

  • Widget: Basic widget
  • API: Limited API
  • Documentation: Basic documentation
  • Support: Email support

Provider-Specific Notes

Transak

  • Website: transak.com
  • Best for developers seeking React SDK
  • Wide chain and token support
  • Good documentation
  • Medium fees

MoonPay

  • Website: moonpay.com
  • Widest coverage (~160+ countries)
  • Highest conversion rates
  • High fees but reliable
  • Good widget integration

Coinbase Pay

  • Website: docs.cdp.coinbase.com/onramp
  • Now branded Coinbase Onramp (developer docs: docs.cdp.coinbase.com/onramp). Available in all countries Coinbase operates in except Japan; debit cards in the US plus 90+ countries, credit cards in 90 countries excluding the US, ACH US only
  • Guest checkout (debit card, Apple Pay) via the hosted widget was deprecated on 2026-06-30
  • Seamless Coinbase ecosystem integration
  • Strong Base L2 support
  • Excellent SDK and documentation
  • Medium fees
  • Best for apps targeting Coinbase users

Ramp

  • Website: rampnetwork.com
  • Lowest fees for bank transfers
  • Strong EU/SEPA support
  • Focus on L2 chains
  • Good SDK

Sardine

  • Website: sardine.ai
  • Best for US market
  • Instant ACH settlement
  • Advanced fraud detection
  • Higher limits

Stripe

  • Website: docs.stripe.com/stablecoins
  • Mainstream brand recognition
  • Excellent developer experience
  • Conservative asset list
  • Usage-based pricing

Simplex

  • Website: simplex.com
  • High transaction limits
  • Strong card processing
  • Good widget integration
  • Medium to high fees
  • Widely integrated

Modern Treasury

  • Website: moderntreasury.com
  • Enterprise payment infrastructure
  • Strong API and developer tools
  • US-focused with select global
  • Usage-based pricing
  • Best for large-scale operations

Banxa

  • Website: banxa.com
  • Taken private by OSL Group (863.HK); arrangement effective 2026-01-02 at C$1.55 per share (Banxa press release via Newsfile). Banxa is now a wholly owned OSL subsidiary
  • Local payment methods
  • Good global coverage
  • Variable fees
  • B2B focus

Mercuryo

  • Website: mercuryo.io
  • B2B focused
  • Global coverage
  • Medium fees
  • Good for enterprise

Guardarian

  • Website: guardarian.com
  • European focus
  • Good widget integration
  • Competitive fees
  • Strong EU payment methods
  • 170+ countries per guardarian.com, 1000+ coins, 20+ payment methods (2026-10-15); site says "zero extra costs" and gives no fee figure

CoinSwitch

  • Website: coinswitch.co
  • Strong India/APAC presence
  • Good API integration
  • Local payment methods (UPI, etc.)
  • Medium fees
  • Best for Indian market

Utorg

  • Website: utorg.com
  • Multi-chain support
  • Good widget integration
  • Widget shows "Service fee 0%"; no other schedule published
  • 130+ countries per utorg.com (restricted residency list includes Germany, Netherlands, Austria, Japan, Singapore), 30+ local payment methods (2026-10-15)
  • Balanced offering

CoinGate

  • Website: coingate.com
  • Very low fees
  • Strong API
  • Global coverage
  • Bitcoin and altcoin support
  • Good for cost-sensitive applications

BitPay

  • Website: bitpay.com
  • Bitcoin-focused
  • Strong merchant tools
  • Good API
  • Medium fees
  • Best for Bitcoin-heavy applications

Changelly

  • Website: changelly.com
  • Exchange-focused
  • Good API integration
  • Medium fees
  • Global coverage
  • Best for exchange integrations

Coinify

  • Website: coinify.com
  • European focus
  • Good API
  • Medium fees
  • 170+ countries per coinify.com (2026-10-15); fee page not fetched
  • EU payment methods

onesafe

  • Website: onesafe.io
  • Enterprise-focused
  • Variable pricing
  • Select global coverage
  • Good API
  • Best for enterprise use cases

Reap

  • Website: reap.global
  • Off-ramp only (no on-ramp)
  • Business-focused
  • Global coverage
  • Variable fees
  • Best for business off-ramp needs

Coinmama

  • Website: coinmama.com
  • On-ramp only (no off-ramp) in the table. UNVERIFIED: coinmama.com now says "Payouts in 180 countries", which suggests a sell flow; the sell page was not found (HTTP 404), so the Off-Ramp cell is unchanged
  • Simple integration
  • High fees
  • ~190+ countries (buying), per coinmama.com 2026-10-15
  • Basic widget
  • Best for simple on-ramp needs

Licences (ESMA MiCA CASP register)

scripts/verify-ramps.py matched table hosts against the ESMA CASP register (esma.europa.eu/sites/default/files/2024-12/CASPS.csv, entries last updated up to 2026-09-21) on 2026-10-15. "No host match" only means no entry under that web domain. It does not mean the provider is unlicensed.

ProviderRegister entityHome stateAuthorised
Coinbase PayCoinbase Luxembourg S.A.LU20/06/2025
CoinGateUAB DecentralizedLT16/12/2025
BitPayBitPay B.V.NL16/07/2026
BanxaEU Internet Ventures B.V.NL08/10/2025
SimplexNuvei Liquidity UABLT16/12/2025
MoonPayMoonPay Europe B.V.NL30/12/2024
CoinifyCoinify ApSDK29/05/2026
RampRamp Swaps (Ireland) Limited (domain rampnetwork.com, matched by hand after the table link was corrected)IE02/12/2025
Robinhood ConnectRobinhood Europe UAB. This is the EU entity, not the US on-ramp product, so it is not a licence for ConnectLT29/05/2025

No host match (not verified either way): Stripe, Changelly, Sardine, Guardarian, Alchemy Pay, Mercuryo, Transak, CoinSwitch, onesafe, Utorg, Modern Treasury, Reap, Coinmama. Utorg's own site says "Aligned with MiCA" without naming an authorisation. The register lists an entity-level match only; product and region scope were not checked.

Verification status by provider (2026-10-15)

ProviderChecked and updatedUNVERIFIED (reason)
Coinbase PayFees 2.5% card / 0.5% ACH, countries, payment methods, rename, guest-checkout deprecation (docs.cdp.coinbase.com)Table min fee (~$1.00 had no source, now "Not published"); limits not published
CoinGate1% fee, 180+ payout countries, MiCA licence (coingate.com)Min fee ~€0.01 (only crypto payout €0.50 + 0.5% found)
BitPayMerchant fee tiers, NYDFS licence mention, coins (bitpay.com/pricing)Ramp-specific min fee and country list (not published)
StripeLink moved from stripe.com/docs/crypto (redirects) to docs.stripe.com/stablecoins on 2026-10-17: the page covers stablecoin payouts (160+ countries) and accepting crypto payments; the fiat-to-crypto onramp (public preview, application needed; Stripe is merchant of record) is documented separately at docs.stripe.com/crypto/onrampFees, countries, tokens (docs publish none); the Off-Ramp ✅ cell (the stablecoins page lists wallet payouts and an onramp, no fiat off-ramp product); third-party claims not used
RampFees, min fee €2.49, 150+ countries, 120+ assets, payment methods (rampnetwork.com)Founded/funding
ChangellynoneFAQ page published no fees or countries
SardinenoneSite and docs published no fees, countries or limits
Guardarian170+ countries, 1000+ coins, 20+ payment methodsMin fee ~€5.00 (site says "zero extra costs")
Alchemy Pay173 countries for fiat-crypto purchases (alchemypay.org, 2026-10-17)Fees (no figures published)
MercuryoHomepage says 150+ countries, 70+ coins, 10+ payment methodsFees not published; table says Global
BanxaOSL take-private effective 2026-01-02; MiCA authorisation stated on siteFees ("flexible, customised"), country count (counter showed 0)
Simplex190+ countries, payment methodsFees, limits (not published)
TransakProduction KYC country API (api.transak.com/api/v2/countries) lists 26 allowed countries on 2026-10-17; fees page not published (headless Chromium reached transak.com, no fee figure); re-tried 2026-10-17 pass 3: transak.com/pricing renders without a fee figure, docs.transak.com guides say only that Transak's baseline fee varies by payment method (plus a partner fee up to 5%) and point to a Notion page that does not load, and the public quote API needs a partner key, so fees stay UNVERIFIEDFees; sources conflict on country count (26+ on global-coverage page, 162+ elsewhere), so ~64 is unchanged
CoinSwitchStill operating as an India crypto exchange; minimum entry ₹100Ramp fees, API product details
MoonPayCard fee up to 4.5%, min fee up to $3.99 / $4.50Country count (~160+), token count
onesafenoneNot re-fetched
Utorg130+ countries, 0% widget service fee, 30+ payment methodsMin fee ~$5.00
Coinify170+ countries, MiCA authorisation (register)Fees, payment methods
Modern TreasuryStablecoin on/off-ramp orchestration product existsFees, countries
ReapCard issuing, payments in 200+ countries, licensed in Hong Kong and MexicoOff-ramp-only label; "ramps" listed as a module; no fees
Robinhood ConnectNo fee charged to Robinhood customers for transfersNon-customer fees, state list
Coinmama190+ countries (buying), payouts in 180 countries, $50 minimumOff-ramp availability, ~$30 min fee

New providers: none added. No candidate had primary-source figures for every column this run.

Merchant Feed (SEO agents)Click to expand

Merchant feed not available for this category. The feed covers hardware wallets only. See Hardware Wallets for merchant-center.xml.