Fiat-to-crypto on-ramp with 150+ countries and 70+ supported cryptocurrencies
Mercuryo is a crypto payments infrastructure company founded in 2018. Its On-Ramp lets users buy cryptocurrency inside a wallet, exchange or Web3 app, while businesses connect the service through a widget, iFrame, SDK or API. Mercuryo says it supports 150+ countries, 70+ cryptocurrencies and more than 10 payment methods.
Mercuryo is headquartered in London and also lists offices in New York, Limassol, Valencia and Vancouver. The company says its team has 300 employees and that more than 500 Web3 companies use its products. Its product range includes On-Ramp, Off-Ramp, cross-chain Swaps, fiat Pay-In and Pay-Out services, Mercuryo Pay, and Spend virtual cards developed with Mastercard.
A partner embeds the purchase flow into its website or app rather than sending users to a separate exchange. The integration can use a widget, iFrame, SDK or API. Users create a Mercuryo account, complete identity verification, choose an asset, enter an amount and select a payment method before receiving the cryptocurrency in their wallet. Payment options include cards, Apple Pay, Google Pay, bank transfers and SEPA, along with other local methods.
The company advertises On-Ramp to Web3 in 15 seconds. Its broader infrastructure supports 30+ chains for Spend, while the On-Ramp page lists 70+ cryptocurrencies. Asset and network availability can vary by country and integration.
On-Ramp fees are dynamic. The amount depends on the payment method, user location and network fees, with the exact charge shown in the widget before confirmation. Mercuryo requires KYC and says it follows KYC and anti-money-laundering requirements.
Mercuryo says it has processed $2 billion in total volume and onboarded 12 million people. As of October 2026, it reports 12M+ KYC-verified users, $15 million in revenue generated for partners and an average customer-care response time of 30 seconds. It launched Spend in 2024 and entered the United States in 2025. The company references ISO 27001 compliance.
The service depends on card networks, banks and other payment partners, so transactions can fail or reverse and may face regional restrictions. Country coverage and supported assets or payment methods vary, while the KYC process adds an identity and account-review dependency for users and integrating businesses.
Mercuryo combines broad geographic coverage with developer integrations, but dynamic fees and regional payment limits make transaction costs harder to compare.
Mercuryo is a fiat payment platform for wallets, exchanges, fintech apps and other Web3 products. Its On-Ramp supports 150+ countries, 10+ payment methods and 70+ cryptocurrencies.
Payment support covers cards, Apple Pay, Google Pay, bank transfers and SEPA. Businesses can add the service through a widget, iFrame, SDK or API, allowing checkout within an existing app. The company advertises crypto delivery in 15 seconds, while its customer-care page gives an average response time of 30 seconds. These figures address speed and support, but do not establish settlement times for every payment method.
Fees are dynamic and depend on the payment method and network fees. The exact charge appears in the widget before confirmation. Mercuryo requires identity verification and follows KYC and AML requirements.
Mercuryo has operated since 2018. It reports $2 billion in processed volume, 12 million people onboarded, 500+ Web3 companies using its services and a 300-person team. The company references ISO 27001 compliance.
| Service | On-ramp, Off-ramp, Widget / API · unverified |
|---|---|
| Payment methods | Card, Bank transfer, Apple Pay, Google Pay, SEPA · unverified |
| Typical fee | Dynamic; depends on payment method, user location and network fees. The exact fee is shown in the widget before payment confirmation. · unverified |
| Countries | 150 · unverified |
| Assets | 70 · unverified |
| Developer widget / API | Yes · unverified |
| KYC required | Yes · unverified |
| Sell to fiat (off-ramp) | Yes · unverified |
| Apple Pay | Yes · unverified |
| Delivery time | 15 seconds · unverified |
Not disclosed by the provider: Minimum purchase, Max purchase.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Businesses can add crypto purchases through a widget, iFrame, SDK or API without redirecting users to a separate platform.
The On-Ramp supports cards, Apple Pay, Google Pay, bank transfers and SEPA, along with other local methods.
Mercuryo lists more than 70 supported cryptocurrencies, with asset and network availability varying by location and integration.
The company advertises coverage in 150+ countries, subject to local payment, asset and compliance restrictions.
Users create an account and complete identity verification before buying cryptocurrency through the service.
After payment and verification, purchased cryptocurrency is sent directly to the connected wallet.
The wider platform also includes Off-Ramp products for selling cryptocurrency into fiat.
Mercuryo provides onboarding, compliance support and a dedicated support manager for integration partners.
On-Ramp lets businesses add crypto purchases to websites and apps through a widget, iFrame, SDK or API. Users can pay with cards, Apple Pay, Google Pay, bank transfers, SEPA and other supported local methods.
Off-Ramp lets users sell cryptocurrency for fiat through partner wallets, exchanges and other integrated platforms.
Swaps supports cross-chain cryptocurrency exchanges within integrated products.
Pay-In accepts fiat payments for businesses building crypto payment flows.
Pay-Out supports fiat payments to recipients through Mercuryo's payment infrastructure.
Spend provides virtual co-branded cards that let users spend cryptocurrency from a connected wallet. It supports 30+ chains.
Mercuryo Pay manages crypto payments for integrated Web3 and fintech products.
The substantive feedback is mostly positive, with users describing successful purchases, swaps, and transfers. Isolated comments mention site access and Apple Pay failures, but no specific complaint is raised by multiple authors.
“Have passed over 50k usdt/c without a issue. Customer service response within 10-15 minutes. They even bridge with their partners (mercuryo.io) when I had a purchase issue. For a hot wallet I have no complaints after 2 years of experience.”
“If u still need it u can use mercuryo.io is does not require KYC for low amounts in EU. Sometimes payments with apple pay doesn’t go through but you still can pay with google pay”
Based on 8 Reddit posts and comments from the last 12 months, checked Oct 18, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
No user reviews yet. Have you used Mercuryo? Share your experience below.
Mercuryo was founded in 2018. It is a crypto payment infrastructure company with offices in London, New York, Limassol, Valencia and Vancouver.
Mercuryo uses dynamic fees based on the payment method, user location and network fees. The exact fee appears in the widget before payment confirmation.
Mercuryo supports 150+ countries and requires identity verification. Payment and asset availability can vary by location.
Mercuryo says it follows KYC and AML requirements and references ISO 27001 compliance. Its On-Ramp sends purchased cryptocurrency to a connected wallet, while payment and regional restrictions still apply.
Mercuryo advertises 70+ supported cryptocurrencies, and its Spend product supports 30+ chains. The available asset and network combination depends on the product and payment route.
Mercuryo is described as a payment infrastructure company with On-Ramp, Off-Ramp, Swaps, Pay-In, Pay-Out, Spend and Mercuryo Pay products.
Recent public posts from @Mercuryo_io, shown as published. Not reviewed or endorsed by CryptoReview.
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