# On-Ramp Overview

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.

## How it works


```mermaid
flowchart TD
    A([Customer initiates buy]) --> B["GET /v2/quotes/{orderType}<br/>Fetch live quote"]
    B --> C["POST /v2/buy<br/>Create order → checkoutUrl"]
    C --> D[Redirect or embed checkoutUrl]
    D --> E[Customer completes checkout<br/>KYC + payment]
    E --> F[Banxa processes payment<br/>and delivers crypto to wallet]
    F --> G[Customer redirected to redirectUrl]
    G --> H([Webhook: order status updates])
```

1. Your customer selects a crypto asset and enters the amount they want to spend in their local currency.
2. They complete identity verification (KYC) if required.
3. They pay using their preferred payment method (card, bank transfer, Apple Pay, etc.).
4. 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.

## What Banxa handles

| 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 |


## Supported payment methods

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-methods
```

Common methods include: debit/credit card, Apple Pay, Google Pay, SEPA, GBP bank transfer, ACH, PayID, UPI, PIX, and PayPal.

## Supported currencies and crypto

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
```

## Integration

→ [API Integration: Create Buy Order](/products/hosted-checkout/docs/api-integration/create-buy-order)
→ [Referral Integration](/products/hosted-checkout/docs/referral-integration/overview)