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Fiat on-ramp providers serve as the bridge between traditional currency and cryptocurrency, enabling businesses and consumers to convert dollars, euros, and other government-issued currencies into digital assets. These services handle the technical infrastructure, regulatory compliance, and payment processing required to facilitate seamless fiat-to-crypto transactions at scale.
Between October and December 2025, our research team analyzed eight fiat on-ramp providers serving cryptocurrency businesses worldwide. We evaluated each solution using the following weighted factors:
- Geographic Coverage (15%): Markets served and regional support
- Payment Method Variety (25%): Deposit and transaction options
- Transaction Costs (20%): Fee structures and pricing transparency
- Business Integration* (15%): API quality and developer resources
- Digital Asset Range* (10%): Cryptocurrencies and tokens supported
- Regulatory Compliance* (10%): Licensing and KYC/AML protocols
- Specialization* (5%): Unique features and target verticals
After aggregating data across these criteria, we rank-ordered providers based on our algorithm. The table below presents our rankings, with detailed provider reviews following.
*For the sake of concision, some metrics are left out of the table. They will be further explored in the company sections below.
Best Fiat On-Ramp Providers Ranked for 2026
Detailed Provider Reviews
1. Paynote (SeamlessChex), for High-Volume US Business Processing
Paynote specializes in serving US cryptocurrency businesses processing substantial monthly volumes, particularly those in higher-risk verticals like exchanges, wallets, and NFT platforms. Unlike consumer-focused onramps, Paynote provides dedicated account managers and expedited approval processes for crypto merchants that mainstream processors typically decline.
The platform offers PCI-DSS Level 1 certified processing, ACH with Plaid verification, and credit card acceptance designed for scalability. Transaction routing technology enables the handling of volume spikes during market volatility, while integrated chargeback management provides protections rarely found in crypto-focused onramps.
With competitive custom pricing starting at 0.49% and no foreign exchange markups, Paynote delivers exceptional value for businesses that process $150,000 or more monthly.
Location: Miami, FL | Founded: 2018 | Fees: Custom, from 0.49% | Review Score: 4.7/5.0
2. Onramper, for Aggregated Multi-Provider Access
Onramper consolidates 30+ individual fiat on-ramps into a single integration. The platform's routing system evaluates over 70 variables to match users with optimal providers based on location, payment method, and historical conversion rates.
Developers appreciate simplified implementation, while businesses gain access to 175+ payment methods across 160+ countries without negotiating individual contracts. However, businesses sacrifice direct provider relationships and may encounter inconsistent experiences as customers route to different underlying services.
Location: Amsterdam, Netherlands | Founded: 2020 | Fees: Varies by ramp | Review Score: 4.4/5.0
3. MoonPay, for Consumer-Focused Global Reach
MoonPay serves individuals and businesses across 160+ countries, supporting 170+ cryptocurrencies with payment options including major cards, Apple Pay, Google Pay, and regional methods like SEPA and PIX.
The consumer-first design prioritizes ease of use, though card transaction fees reach 4.5%. The non-custodial model sends purchased crypto directly to user wallets. Customer support response times may be extended during high-volume periods.
Location: Miami, FL | Founded: 2019 | Fees: 1-4.5% | Review Score: 4.2/5.0
4. Stripe, for Developer-Centric Implementation
Stripe's onramp brings the payment leader's developer experience to digital asset conversion. Supporting 100+ tokens across multiple blockchains, Stripe handles compliance, fraud detection, and customer support.
The platform excels in seamless integration through embeddable widgets and comprehensive APIs. Documentation quality and developer resources set industry standards. Trade-offs include higher fees for smaller purchases and more limited payment methods than consumer-focused alternatives.
Location: San Francisco, CA | Founded: 2022 (Onramp) | Fees: 1-2% | Review Score: 4.5/5.0
5. Transak, for Web3 Application Integration
Transak specializes in embedded infrastructure for decentralized applications, supporting 136+ cryptocurrencies across 125+ countries. Highly customizable SDKs integrate into dApps, wallets, and NFT marketplaces.
Transak manages KYC verification, risk monitoring, and regulatory requirements for partner applications. However, KYC processes can experience delays, which can impact conversion rates. Fee structures often include multiple components that can be confusing to users.
Location: Delaware, USA | Founded: 2019 | Fees: ~1% + fees | Review Score: 4.1/5.0
6. Ramp Network, for Non-Custodial Ecosystem Integration
Ramp Network provides non-custodial on-ramp capabilities across 150+ countries with 100+ digital assets. Users purchase cryptocurrency that is deposited directly into self-custody wallets, without an intermediary holding it.
Lightweight integration options accommodate varying technical requirements. The €2.49 minimum fee impacts small transactions, and exchange rates for less common currencies may be less competitive than larger providers.
Location: London, UK | Founded: 2019 | Fees: 0.49-2.9% | Review Score: 4.3/5.0
7. Coinbase Onramp, for Exchange Infrastructure Integration
Coinbase Onramp leverages infrastructure from one of the world's largest exchanges. Supporting 250+ tokens across 60+ fiat currencies, the platform enables seamless purchasing within partner applications.
A major advantage is established regulatory compliance, including full US licensing. Coinbase handles fraud management and customer support. However, more stringent KYC requirements can create friction during onboarding.
Location: San Francisco, CA | Founded: 2023 (Onramp API) | Fees: 0-2.5% | Review Score: 4.4/5.0
8. Banxa, for Global Compliance Infrastructure
Banxa offers payment gateway services across 100+ countries with emphasis on regulatory compliance and global licensing. The platform maintains money services licenses and partnerships with traditional payment processors.
Integration options include API access and pre-built widgets. Fee structures vary by region and payment method, with card transactions incurring higher costs.
Location: Melbourne, Australia | Founded: 2014 | Fees: 1-3% | Review Score: 4.2/5.0
Top Providers by Specialized Use Case
Best for Businesses: Paynote
Paynote's white-glove service and dedicated account management make it the clear choice for US-based crypto businesses requiring ongoing support. Each merchant receives a dedicated account manager who assists with onboarding, integration, and any operational issues that arise. Developer-friendly APIs provide the flexibility businesses need, while specialized high-risk expertise ensures approval for exchanges, wallets, and platforms that mainstream processors reject.
Best for Beginners: MoonPay
MoonPay's consumer-first design makes it the most accessible option for users new to cryptocurrency. The intuitive interface guides beginners through their first purchases with minimal friction, while support for familiar payment methods like Apple Pay and Google Pay reduces the learning curve. Though fees are higher than alternatives, the simplified experience and widespread availability across 160+ countries make it ideal for individuals taking their first steps into crypto.
Best for Global Users: Onramper
Onramper's aggregation of 30+ providers across 175+ payment methods delivers unmatched global reach for users in diverse markets. The intelligent routing system automatically connects users with the best available provider for their specific location, payment method, and transaction size. This eliminates geographic limitations that plague single-provider solutions, ensuring users worldwide can access crypto regardless of their country or preferred payment method.
Best for Crypto Variety: Coinbase Onramp
Coinbase Onramp supports 250+ tokens across 60+ fiat currencies, providing the broadest digital asset selection among providers reviewed. This extensive token support makes it ideal for platforms serving users interested in newer or less common cryptocurrencies beyond Bitcoin and Ethereum. The exchange-backed infrastructure ensures reliable liquidity across the full range of supported assets, though users should expect more stringent KYC requirements compared to alternatives.
Best for Low-Cost US Processing: Paynote
Paynote excels for cryptocurrency businesses needing high approval rates in challenging verticals. Custom pricing starting at 0.49% with volume discounts provides cost-effective scaling, while white-glove compliance support assists merchants in navigating complex regulatory requirements. In cases where fees are too big an obstacle for a merchant, they also offer zero-cost processing options that pass these fees onto customers.
Frequently Asked Questions
What are fiat on-ramp providers? Fiat on-ramp providers convert traditional currencies (USD, EUR, GBP) into cryptocurrencies, enabling users to enter the digital asset ecosystem using familiar payment methods, such as credit cards and bank transfers.
How do on-ramps make money? Most providers charge transaction fees ranging from 0.49% to 4.5% depending on payment method and transaction size. Some also earn revenue from exchange spreads or referral arrangements.
Are fiat on-ramps safe? Reputable providers implement robust security, including PCI-DSS compliance, KYC/AML verification, and fraud monitoring. Providers like Paynote (PCI-DSS Level 1), Stripe, and Coinbase maintain institutional-grade security with regulatory oversight.
What's the difference between on-ramps and exchanges? On-ramps specialize in fiat-to-crypto conversion and integrate into wallets and dApps. Exchanges offer broader functionality, including crypto-to-crypto trading, advanced order types, and custodial services.
Looking to integrate a fiat on-ramp provider that understands your business needs? Contact Paynote to discuss how our compliance-focused payment processing can scale with your platform.
