MoonPay is the on-ramp to start with in the US: it serves most states, including New York, through MoonPay USA LLC, a licensed money transmitter. Its fee is up to 4.5% per order, against up to 3.9% for a card buy on Ramp and 3.99% + $1 on Transak. Most people meet these services inside a wallet or app, so the price you see can also depend on the app that embeds them.
Quick answer
Use MoonPay if you are in the US and want the widest state coverage, including New York. Ramp Network is the cheaper card option at up to 3.9%, and Onramper suits developers who want to route between several ramps.
- 01MoonPay: best for US coverage
- 02Ramp Network: best for lower card fees
- 03Banxa: best for licensed US entity
- 04Wert: best for NFT checkouts
- 05Guardarian: best for many coins
The 8 best fiat on-ramps
MoonPay serves US buyers through MoonPay USA LLC, a licensed money transmitter in most states including New York. Its pricing disclosure caps the MoonPay fee at 4.5%, with a minimum of up to $3.99 on small orders, plus the network fee.
- Platforms
- Web, iOS, Android, API
- Custody
- Custodial
- Fees
- Up to 4.5% MoonPay fee, minimum up to $3.99 on small orders, plus network fee
- US availability
- Available via MoonPay USA LLC, licensed money transmitter in most states including New York
Pros
- Licensed as a money transmitter across US states, including a New York BitLicense
- Pricing disclosure publishes the maximum fee: up to 4.5%
- Usable directly on its site or inside partner wallets
Cons
- Fee of up to 4.5% plus network and ecosystem fees
- Minimum fee of up to $3.99 on small orders ($4.50 via partners)
- Non-USD purchases add 0.25% to 10% to the minimum fee
Skip it if you buy small amounts: a minimum fee of up to $3.99 weighs heavily on a $20 order.
Ramp charges up to 3.9% on cards, up to 2.40% on easy bank transfers and up to 1.40% on manual bank transfers. US buyers are served through Ramp Swaps LLC, a FinCEN-registered MSB, and ACH purchases are supported.
- Platforms
- Web, iOS, Android, API
- Fees
- Cards up to 3.9%; easy bank transfer up to 2.40%; manual bank transfer up to 1.40%; minimum up to €2.49
- US availability
- Available via Ramp Swaps LLC, a FinCEN-registered MSB; ACH purchases supported
- Launched
- 2017
Pros
- Manual bank transfer fee of up to 1.40%
- ACH direct debit from a linked US bank account
- Published pricing policy with per-method caps
Cons
- Card fee of up to 3.9%, with a minimum of up to €2.49
- US terms state it is not supervised for consumer protection purposes
- State money transmitter licenses listed in only nine states in its terms
Skip it if you want a named license for your state: Ramp's terms cite its FinCEN MSB registration.
#3B
Best for licensed US entity
Banxa serves the US through BNXA USA MTL Inc., a FinCEN MSB with state money transmitter licenses. Its EU entity charges a 1.99% processing fee on cards and Apple Pay, with a spread of typically 2% to 4% on top.
- Platforms
- Web, API
- Custody
- Custodial
- Fees
- EU: cards and Apple Pay 1.99% processing fee, other methods 0%, plus typical 2% to 4% spread
- US availability
- Available via BNXA USA MTL Inc., FinCEN MSB with state money transmitter licenses
Pros
- US state money transmitter licenses listed in a public document
- 0% processing fee on non-card payment methods (EU pricing)
- Sells to SEPA carry no processing fee (EU pricing)
Cons
- Spread can reach 15% on buys, on top of fees (EU pricing)
- Card and Apple Pay buys carry a 1.99% processing fee (EU pricing)
- Partners can add their own spread of up to 10%
Skip it if you want the full cost stated up front: Banxa's own help page says the spread typically adds 2% to 4%.
Wert is a card on-ramp built into dApp and NFT checkouts. Its documentation lists where it does not work: AL, AK, HI, NV, NM, NY, OR, PR, USVI, VT, WA and WV. The fee is set per partner, with a minimum of $1 per order.
- Platforms
- Web, API, SDK
- US availability
- On-ramp available except AL, AK, HI, NV, NM, NY, OR, PR, USVI, VT, WA, WV
- Fees
- Per-partner processing fee, minimum $1 or €1 per order
Pros
- US residents can buy up to $1,000 with non-document KYC
- NFT checkout available in all listed US states
- Accepts AmEx, JCB and Discover in addition to Visa and Mastercard
Cons
- Fiat on-ramp unavailable in 12 US states and territories, including New York
- Processing fee is set per partner and not published
- Only USD and EUR supported
Skip it if you live in one of the 12 excluded states and territories, including New York and Washington.
Guardarian lists 200+ cryptocurrencies and serves US users through its partner Bridge Building Inc., a FinCEN-registered MSB.
- Platforms
- Web, API
- US availability
- Available via partner Bridge Building Inc., a FinCEN-registered MSB
- Chains
- 200+ cryptocurrencies
Pros
- Payment options include SEPA, Visa, Mastercard, UnionPay and SWIFT
- KYC takes up to 5 minutes, per its about page
- US customers served through a licensed partner
Cons
- No public fee schedule; fees are built into the rate
- US users must pass separate KYC and accept Bridge Building Inc. terms
- Terms reserve IP-based blocking of prohibited jurisdictions
Skip it if you want the fee published in advance: we did not find a fixed rate on Guardarian's own pages.
#6T
Best for fee transparency
Transak publishes its fee by method: card 3.99% + $1, bank transfer 2% + $1, wire 0.75% + $9, plus a spread of 0% to 2.5%. Its homepage lists 136+ assets across 45+ networks.
- Platforms
- Web, API, SDK
- Custody
- Custodial
- Fees
- Card 3.99% + $1; bank transfer 2% + $1; wire 0.75% + $9; plus 0% to 2.5% spread
- Chains
- 45+ networks, 136+ assets
Pros
- Wire transfer on-ramp at 0.75% + $9
- Off-ramp to card at 0.99%
- KYC reuse through KYC Reliance, so users skip duplicate checks
Cons
- Card and Apple Pay buys cost 3.99% + $1
- Extra spread of up to 2.5% is built into the quoted rate
- Minimum fees can apply on some payment methods
Skip it if you pay by card: at 3.99% + $1 plus spread, card buys cost more than on Ramp.
Onramper is an aggregator that routes each order to one of several on-ramps behind a single widget. It charges the business, not the buyer: Essentials costs $199 a month and Premium $599 a month.
- Platforms
- Web, API
- Pricing
- Essentials $199/month; Premium $599/month; White-Label custom
Pros
- One integration covers 30+ on-ramp and off-ramp providers
- Over 130 payment methods
- Widget and API integration options
Cons
- Business plans start at $199 per month
- Essentials plan includes only 6 on-ramps
- Off-ramps and P2P support need the $599 per month Premium plan
Skip it if you are a buyer, not a business: you reach Onramper only through an app that embeds it.
Mercuryo is built into many wallets outside the US. Its help center puts buys at up to 5.5% (minimum €1) and sells at up to 3.95%, with up to 5% extra for fast-track orders.
- Platforms
- Web, API, SDK
- Fees
- Buy up to 5.5% (min €1); sell up to 3.95% (min €3); fast track up to 5% extra
- Launched
- 2018
Pros
- 150+ countries supported, per its homepage
- Also offers swaps and co-branded spend cards
- No fee to receive crypto into a Mercuryo wallet
Cons
- Buy fee of up to 5.5%
- Fast-track purchases add up to 5% on top
- US availability is unclear: its US terms list US citizens and residents among excluded clients
Skip it if you are in the US: we did not find a US licensing entity on Mercuryo's own pages, and its buy fee is the highest here.
Fiat On-Ramps compared
Select a name to jump to its review.
| Name | Best for | US availability | Fees |
|---|
| MoonPay | Most US states, incl. NY | Available via MoonPay USA LLC, licensed money transmitter in most states including New York | Up to 4.5% MoonPay fee, minimum up to $3.99 on small orders, plus network fee |
|---|
| Ramp Network | Card and ACH buys | Available via Ramp Swaps LLC, a FinCEN-registered MSB; ACH purchases supported | Cards up to 3.9%; easy bank transfer up to 2.40%; manual bank transfer up to 1.40%; minimum up to €2.49 |
|---|
| Banxa | Wallet users in the US | Available via BNXA USA MTL Inc., FinCEN MSB with state money transmitter licenses | EU: cards and Apple Pay 1.99% processing fee, other methods 0%, plus typical 2% to 4% spread |
|---|
| Wert | Checkout inside a dApp | On-ramp available except AL, AK, HI, NV, NM, NY, OR, PR, USVI, VT, WA, WV | Per-partner processing fee, minimum $1 or €1 per order |
|---|
| Guardarian | 200+ coins | Available via partner Bridge Building Inc., a FinCEN-registered MSB | Not verified |
|---|
| Transak | Bank and wire buys | Not verified | Card 3.99% + $1; bank transfer 2% + $1; wire 0.75% + $9; plus 0% to 2.5% spread |
|---|
| Onramper | Apps routing across ramps | Not verified | Not verified |
|---|
| Mercuryo | EU wallet users | Not verified | Buy up to 5.5% (min €1); sell up to 3.95% (min €3); fast track up to 5% extra |
|---|
“Not verified” means we could not confirm the value on the project’s own pages.
How we rank fiat on-ramps
- 01US licensing: the US entity that holds the money transmitter license or FinCEN registration, and any excluded states, from the provider's own terms or license page.
- 02Card fee: the published fee for a card purchase, since most first-time buyers pay by card. A fee we could not find on the provider's own page counts against it.
- 03Bank transfer option: whether a cheaper ACH or bank transfer route is available and priced.
- 04Coverage: assets and networks listed by the provider.
- 05Fit: whether buyers use the service directly or only through businesses that embed it.
No project paid to be listed or ranked. Full rules: methodology.
How to choose
Pay by bank transfer when you can
Transak charges 2% + $1 by bank transfer against 3.99% + $1 by card, and Ramp charges up to 1.40% on manual bank transfers against up to 3.9% on cards.
Check your state first
Wert does not serve 12 US states and territories, including New York. MoonPay's US entity covers most states, New York included.
Watch the spread as well as the fee
The quoted rate can include a markup over the market price. Transak states 0% to 2.5%, and Banxa's EU entity a typical 2% to 4%.
Send to a wallet you control
An on-ramp delivers coins to the address you enter. Copy it from your own wallet app and check the network before you pay.
Who should skip all of these
- Anyone buying large amounts regularly: an exchange account usually costs less than a card on-ramp. See our best crypto exchanges list.
- People who want to avoid identity checks: every on-ramp here runs KYC.
- Buyers in New York who meet Wert at checkout: its documentation excludes the state.
Bottom line
For US buyers, MoonPay covers the most states and Ramp costs less by card. Pay by bank transfer where offered: it is the cheaper route on both Ramp and Transak.
If you run an app, an aggregator such as Onramper saves you from choosing one provider for every country.
Educational content, not financial advice. Crypto assets are volatile; do your own research.
FAQ
Which fiat on-ramp has the lowest fees?
±
Of the published card fees we checked, Ramp charges up to 3.9%, Transak 3.99% + $1, MoonPay up to 4.5% and Mercuryo up to 5.5%. Bank transfers cost less on Ramp and Transak.
Can I use a fiat on-ramp in New York?
±
MoonPay states that MoonPay USA LLC is licensed in New York. Wert's documentation lists New York among the places it does not serve.
Do on-ramps require ID?
±
Yes. Each on-ramp here verifies identity before or after a first purchase.
What is the difference between an on-ramp and an exchange?
±
An on-ramp sells crypto for fiat and sends it straight to your wallet, often inside another app. An exchange holds an account for you and lets you trade.
What changed in this list
2026-09-26First version: 8 on-ramps, fees and US licensing checked on each provider's own pages.