Paybis vs Ramp Network: Custody and Payment Rails
Paybis and Ramp Network are regulated fiat-to-crypto gateways that connect traditional payment systems to digital assets. Launched in 2014, Paybis serves more than 180 countries and 48 US states with over 35 payment methods. Delivery works directly to external wallets. Paybis also provides a custodial wallet option and charges 0 Paybis fee on a first card purchase. Card buyers can complete up to $1,000 per year in transactions under simplified verification.
Ramp Network was founded in 2017. It covers more than 150 countries and 120 cryptoassets across networks such as Bitcoin, Ethereum, Solana, and Stellar. Ramp Network pairs its checkout flow with a self-custodial wallet that stores private keys on user devices through passkeys. While Paybis delivers wider country access and a fee-free initial card buy, Ramp Network provides native self-custody alongside regional payout methods like PIX.
Quick verdict
The core distinction between these gateways comes down to wallet architecture and onboarding requirements. Paybis lets customers bypass full identity checks on card buys up to $1,000 annually and provides external wallet delivery alongside an optional custodial wallet. Ramp Network routes transactions through a passkey-secured, self-custodial setup across chains like Solana and Stellar, but it requires standard verification.
Choose Paybis if you want direct delivery to an existing external wallet address, need over 35 payment options across 180 countries, or want simplified verification on smaller card transactions up to $1,000 per year.
Choose Ramp Network if you prefer built-in self-custody where keys remain on your device, trade across networks like Solana and Stellar, or need local payment rails such as PIX in supported regions.
| Feature | ||
|---|---|---|
| Ratings | ||
| Our score | 4.2/5 | 3.9/5 |
| User rating | No reviews yet | No reviews yet |
| Fees | 3.5 | 3.0 |
| Coverage | 4.5 | 4.5 |
| Payment methods | 4.5 | 4.5 |
| Ease of use | 4.5 | 4.0 |
| Support | 4.0 | 3.5 |
| Specs | ||
| Service | On-ramp, Off-ramp, Widget / API | On-ramp, Off-ramp, Widget / API |
| Payment methods | Card, Bank transfer, Apple Pay, Google Pay, SEPA | Card, Bank transfer, Apple Pay, Google Pay, SEPA, PIX |
| Typical fee | First card purchase: 0 Paybis fee. Other fees are shown at checkout and included in the quoted exchange rate. | Not disclosed |
| Countries | 180 | 150 |
| Assets | Not disclosed | 120 |
| Developer widget / API | Yes | Yes |
| KYC required | Yes | Yes |
| Sell to fiat (off-ramp) | Yes | Yes |
| Apple Pay | Yes | Yes |
| Delivery time | Within minutes for card purchases, subject to payment clearance and network congestion | seconds |
| Company | ||
| Founded | 2014 | 2017 |
| Headquarters | — | — |
| Investors | Not disclosed | Korelya Capital, Mubadala Capital, Balderton Capital, Cogito Capital Partners +5 |
| Strengths and weaknesses | ||
| Pros |
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| Cons |
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| Best for | Card-based crypto purchases, Direct wallet delivery, EU and US on-ramp users | Multi-chain crypto buyers, EU crypto cash-outs, Apps embedding fiat rails |
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
Which platform offers better custody options?
Ramp Network provides native self-custody by storing private keys directly on your device via passkeys. Paybis offers direct delivery to any external address you provide, but its internal wallet service uses a custodial model.
Do Paybis and Ramp Network operate in the United States?
Both platforms operate in the United States as registered Money Services Businesses. Paybis supports users across 48 US states, while Ramp Network holds state money transmitter licenses alongside its FinCEN registration.
Can you buy crypto without full verification on either platform?
Paybis allows card transactions up to $1,000 per year using simplified verification instead of full identity verification. Ramp Network requires full verification before completing purchases on its platform.
Which gateway supports more payment methods?
Paybis supports more payment methods, offering over 35 options that include cards, bank transfers, Apple Pay, Google Pay, and PayPal. Ramp Network supports cards, bank transfers, Apple Pay, Google Pay, and regional options like PIX.