On-ramp refers to the process of converting fiat currency into cryptocurrency. Banxa acts as the payment processor and crypto exchange, handling payments, compliance, and crypto delivery on your behalf.
- Your customer selects a crypto asset and enters the amount they want to spend in their local currency.
- They complete identity verification (KYC) if required.
- They pay using their preferred payment method (card, bank transfer, Apple Pay, etc.).
- Banxa processes the payment and delivers the purchased crypto to the customer's wallet address.
The customer's wallet address is provided at order creation — either by you (via the API or referral URL) or by the customer in the checkout flow.
| Responsibility | Details |
|---|---|
| Payment processing | Card, bank transfers, Apple Pay, Google Pay, and local payment methods |
| KYC / AML compliance | Identity verification, document collection, sanctions screening |
| Crypto liquidity | Exchange rate sourcing and crypto delivery |
| Regulatory coverage | Licences and compliance obligations in supported jurisdictions |
| Customer support | Transaction disputes, payment issues, and KYC queries |
Payment method availability depends on the customer's country and your partner configuration. Retrieve the full list of available methods using:
GET /{partnerRef}/v2/payment-methodsCommon methods include: debit/credit card, Apple Pay, Google Pay, SEPA, GBP bank transfer, ACH, PayID, UPI, PIX, and PayPal.
Retrieve the full lists from the API:
GET /{partnerRef}/v2/fiats → supported fiat currencies
GET /{partnerRef}/v2/crypto → supported cryptocurrencies
GET /{partnerRef}/v2/countries → supported countries