Onramper vs Paybis: Aggregator vs Direct Fiat Gateway
Onramper is a fiat-to-crypto aggregator that connects wallets, apps, and exchanges to more than 30 third-party on-ramp providers. It routes transactions across 190 countries, 175 payment methods, and over 1,500 cryptocurrencies. Paybis is a direct on-ramp and custody provider launched in 2014. It operates in more than 180 countries and holds registrations as an EU Crypto Asset Service Provider and US Money Services Business.
The central difference lies in infrastructure. Onramper routes buyers to external providers without adding its own platform fee, selecting routes by cost and regional conversion. Paybis handles compliance and execution directly, offering direct delivery to external wallets, an optional custodial wallet, and a zero Paybis fee on the first card transaction. Paybis also supports simplified verification for card transactions under $1,000 per year, whereas Onramper leaves KYC requirements to whichever external provider wins the routing quote.
Quick verdict
The core choice centers on whether your priority is multi-provider routing or single-counterparty execution. Onramper accesses 30 on-ramps and 175 payment options through one interface, letting integrated apps maximize geographical coverage without managing separate vendor contracts. Paybis serves as the direct regulated processor, eliminating intermediary redirects and taking on compliance under its European and US registrations.
Choose Onramper if you build an exchange or wallet application that needs dynamic routing across multiple providers, support for 190 countries, and access to more than 1,500 cryptocurrencies without signing individual ramp agreements.
Choose Paybis if you want direct checkout from an EU- and US-regulated provider, direct delivery to a personal wallet address, simplified verification on card transactions up to $1,000 per year, or a promotional zero Paybis fee on your first card purchase.
| Feature | ||
|---|---|---|
| Ratings | ||
| Our score | 4.0/5 | 4.2/5 |
| User rating | No reviews yet | No reviews yet |
| Fees | 3.5 | 3.5 |
| Coverage | 4.5 | 4.5 |
| Payment methods | 4.5 | 4.5 |
| Ease of use | 4.0 | 4.5 |
| Support | 3.5 | 4.0 |
| Specs | ||
| Service | On-ramp, Off-ramp, Widget / API, Aggregator | On-ramp, Off-ramp, Widget / API |
| Payment methods | Card, Bank transfer, Apple Pay, Google Pay | Card, Bank transfer, Apple Pay, Google Pay, SEPA |
| Typical fee | Generally no added fee for end users; the underlying provider sets the transaction rate. | First card purchase: 0 Paybis fee. Other fees are shown at checkout and included in the quoted exchange rate. |
| Countries | 190 | 180 |
| Assets | 2,000 | Not disclosed |
| Developer widget / API | Yes | Yes |
| KYC required | Yes | Yes |
| Sell to fiat (off-ramp) | Yes | Yes |
| Apple Pay | Yes | Yes |
| Delivery time | Not disclosed | Within minutes for card purchases, subject to payment clearance and network congestion |
| Company | ||
| Founded | — | 2014 |
| Headquarters | — | — |
| Investors | Not disclosed | Not disclosed |
| Strengths and weaknesses | ||
| Pros |
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| Cons |
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| Best for | Wallet and exchange developers, Apps needing global payment coverage, Businesses adding offramp flows | Card-based crypto purchases, Direct wallet delivery, EU and US on-ramp users |
Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.
FAQ
What is the difference between Onramper and Paybis?
Onramper is an aggregator that routes purchases through 30 external ramp providers, while Paybis is a direct payment processor and wallet service. Paybis processes its own orders and handles compliance directly, whereas Onramper sends orders to third parties.
Is Onramper cheaper than Paybis?
Onramper charges no separate platform fee to end users, but total costs depend on the underlying provider selected during checkout. Paybis charges card fees and spreads shown at checkout, though it waives the Paybis fee on a customer's first card purchase.
Does Paybis require full KYC?
Paybis permits card purchases of up to $1,000 per year under simplified verification before requiring standard identity documents. Onramper routes orders to third parties whose individual KYC thresholds vary.
Which service supports more payment methods?
Onramper supports more than 175 payment methods by aggregating over 30 ramp providers. Paybis supports over 35 payment methods directly, including credit cards, Apple Pay, Google Pay, and SEPA bank transfers.