Best crypto onramp for your app: match it to how users pay
The best crypto onramp is the one your users can pay with. MoonPay, Transak and Banxa suit card, Apple Pay and SEPA checkout; Unigox suits apps whose users buy and sell by bank transfer or mobile money.
Which on-ramp or off-ramp suits which app
Card checkout into your wallet app: MoonPay, Transak or Banxa
MoonPay, Transak and Banxa take cards, Apple Pay and Google Pay, and send the coins to the wallet address your app passes. A Unigox purchase lands in the user's Unigox Wallet; ask whether Buy and send is available for your setup.
Read the Transak comparisonMany ramps behind one integration: Onramper
Onramper sends each order to one of the 30+ ramps it connects, MoonPay, Transak and Banxa among them, for a monthly subscription. Unigox is a single ramp for bank transfer and mobile money, so it can sit in your app next to Onramper.
Read the Onramper comparisonUsers in the United States: MoonPay, Transak, Banxa or Ramp Network
MoonPay, Transak, Banxa and Ramp Network hold money transmitter licences in the US states they list, while Unigox does not currently offer its services in the United States.
Read the Ramp Network comparisonCard buyers who may charge back: Swapped.com
Swapped.com covers chargebacks on its ramp and runs the dispute for you, with no penalty or fee charged to your business.
Read the Swapped.com comparisonListing your own token: Ramp Network or Alchemy Pay
Ramp Network takes applications to integrate a token, with due diligence and a legal opinion, and Alchemy Pay adds tokens through its business team. The Unigox widget trades USDT and USDC.
Read the Alchemy Pay comparison
When Unigox fits
Users who pay from a bank or mobile money account
Each Unigox trade is filled by a P2P merchant or a payment business who is paid by bank transfer or mobile money. MoonPay, Transak and Banxa list no mobile money, and their bank methods are rails such as SEPA, Faster Payments, Interac and PIX. Onramp Money lists mobile money for KES, GHS, RWF, TZS, UGX, XAF and XOF.
Read the Onramp Money comparisonSellers who want a bank or mobile money payout
On Unigox, a sale is paid into the seller's own bank or mobile money account. Transak pays sellers to a debit card or by bank transfer in EUR and GBP, and MoonPay pays out by ACH, SEPA and Faster Payments or to Visa and Mastercard cards in the countries it lists.
Partners who want earnings per completed sale
Your own markup on sells, set in the partner dashboard, reaches your partner wallet in crypto as each sell completes. MoonPay and Transak cap the partner fee field at 5%, Transak pays it out once a month, and Onramper lets you add a fee only from its $599 plan.
Payouts that run behind your own screens
With the Payments API, your backend creates payout and collection orders and your own screens show them. Transak's white-label API covers purchases only, and Banxa opens its native API only under a signed agreement.
See the Payments API
MoonPay, Transak, Banxa, Unigox and Onramper compared
| Topic | MoonPay | Transak | Banxa | Unigox | Onramper |
|---|---|---|---|---|---|
| What you integrate | A widget or SDK for web, React, React Native, iOS and Android, or a headless API with its own acceptance review. | A widget by redirect, iframe, SDK or WebView, or a white-label API for purchases only. | A hosted checkout by link, iframe or redirect; its native API only under a signed agreement. | A widget from one embed code and your widget key, with no backend work; the Payments API for your own screens. | One widget that sends each order to one of the 30+ ramps it connects; it sells no crypto itself. |
| How buyers pay | Cards, Apple Pay and Google Pay everywhere; SEPA, Faster Payments, PIX and Interac in their own countries; PayPal and Venmo in named regions. | Cards in each listed currency, Apple Pay and Google Pay in most; SEPA bank transfer in EUR, Faster Payments in GBP, open banking in EUR and GBP, and wire in USD. | Cards, Apple Pay and Google Pay, plus local bank methods such as SEPA, Faster Payments, Interac, PayID and South African bank transfer. | Bank transfer or mobile money, with the methods the P2P merchants and payment businesses online offer for the currency. | The methods of the ramp picked for the order, 175+ across its network. |
| How sellers get paid | Bank payouts by ACH, SEPA and Faster Payments; Visa and Mastercard card payouts in their listed countries; PayPal and Venmo in named regions. | To a debit card in most listed currencies, or by bank transfer in EUR (SEPA) and GBP. | Bank payouts in AUD, CAD, EUR, GBP and USD, card payouts in EUR; Banxa switches the off-ramp on for each partner. | To the seller's bank or mobile money account, paid by the P2P merchant or payment business who took the trade. | Through the off-ramps it connects, from the Premium plan up. |
| Where purchased crypto goes | To the address your wallet app provides, or one the buyer enters. | To the address your app passes; you can stop the buyer from editing it. | To the address your checkout link carries. | To the user's Unigox Wallet. Ask about Buy and send if purchases must go to an outside wallet. | To the addresses your app passes to the widget. |
| Your revenue | Your own fee per payment method on top of MoonPay's, up to 5% in the dashboard, after Enhanced Verification. | Up to 5% on top of Transak's fee, on purchases and sales, paid monthly in USDC or USDT. | Partner pricing set per integration and volume; the dashboard shows the commission you earn. | Your own markup on sells, set in the partner dashboard and paid in crypto to your partner wallet as each sell completes, plus a 20% share of the Unigox fee on buys and sells. | Your own fee on Premium and White-Label only; Onramper adds none on top of the ramp's fee. |
| Access and cost | No subscription; live keys after account review and KYB. | The white-label API needs a monthly volume commitment or a one-time $10,000 fee. | Sandbox first; Banxa turns on production once your testing is approved. | Access on request: after a call Unigox sets up your partner account and widget key. No partner price list is published. | $199 a month for 6 ramps or $599 for all of them, with a free trial. |
| Regulation | Registered with the FCA, FinCEN, FINTRAC, AUSTRAC and the Dutch AFM; money transmitter licences in US states, New York included. | Registered with the FCA, FinCEN, FINTRAC and AUSTRAC; money transmitter licences in the US states it lists. | Registered with AUSTRAC, FINTRAC and the FCA; a crypto asset service provider with the Dutch AFM; US money transmitter licences. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. | Its terms say it sells no crypto and needs no financial licence or registration; the ramp it routes to is the counterparty. |
UnigoxAdding the Unigox widget to your app
Describe your users and current ramp
Tell us where your users are, how they pay today and which ramp you run now.
Get your widget key
We set up your partner account and widget key; you set your sell markup in the partner dashboard.
Add the embed code
Place it next to your current ramp, show Buy, Sell or both, and check the flow on your site before you send users to it.
Questions on picking a crypto ramp
What is the best crypto onramp for an app?
It depends on how your users pay. MoonPay, Transak and Banxa take cards, Apple Pay and Google Pay, plus bank rails such as SEPA and Faster Payments in their own markets; Onramper routes each order across many ramps for a monthly fee; Unigox matches users with a P2P merchant or a payment business who is paid by bank transfer or mobile money.
What is the best crypto off ramp?
Pick the one that pays out where your users keep their money. MoonPay pays out by bank on ACH, SEPA and Faster Payments and to Visa and Mastercard cards in their listed countries; Banxa by bank in AUD, CAD, EUR, GBP and USD. A Unigox sale goes to the seller's bank or mobile money account.
Read the Banxa comparisonIs the best fiat on ramp an aggregator or a single ramp?
An aggregator such as Onramper fits when your users span many countries and payment methods: it picks a ramp for each order, for a monthly fee from $199. A single ramp is simpler when it already covers how your users pay, with one contract and one fee model.
Which fiat to crypto on-ramp takes mobile money?
Onramp Money lists mobile money among its payment methods for several African currencies. On Unigox, users pay and get paid by mobile money or bank transfer, depending on the P2P merchants and payment businesses online for their currency.
Can I run Unigox next to a card on-ramp?
Yes. The widget is its own embed code, so you can keep a card ramp for card payments and offer Unigox to users who pay by bank transfer or mobile money. Users verify their identity with Unigox before their first trade; Transak's KYC Reliance, by contrast, lets a partner pass on checks it already ran.
Where does a purchase made in the Unigox widget go?
To the buyer's Unigox Wallet. If purchases must go straight to an outside wallet, ask about Buy and send for your setup. During a trade the crypto sits in an on-chain escrow that Unigox can release only to the buyer or the seller.
Offer bank and mobile money next to your card ramp
Start with the Crypto widget on your website, or build payouts and collections behind your own screens with the Payments API.
MoonPay, Transak, Banxa, Onramper, Swapped.com, Ramp Network, Alchemy Pay, Onramp Money and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.