Crypto On/Off-Ramp Integrations in North America: 14 Providers Compared

Last updated Oct 28, 2026

This guide is for wallets, exchanges, fintechs and other platforms that want to embed a crypto on-ramp or off-ramp, either so users can fund and cash out without leaving the product, or to earn a fee on every transaction. It covers only providers that document an integration for businesses (a widget, SDK or API) and maps which local rails each one supports in Canada (Interac e-Transfer), the United States (ACH, RTP and FedNow) and Mexico (SPEI), in which direction. In short, buying is well covered and cashing out is not, and no single integrable provider documents both directions in all three markets.

How to read the tables

The tables compare 12 product entries from 11 providers; three more integrable providers, Kraken, Stripe and Topper, appear in notes below, for 14 in all. We excluded providers and products that serve only their own consumers. Rails were checked on 21 October 2026 and integration terms on 26 October 2026.

Tier identifies the product you would integrate, not the whole company: a partner widget (the provider's hosted or embedded checkout, with its own KYC and pricing) or a B2B API (you build the flow; the provider converts and settles); MoonPay Enterprise's business virtual accounts count as an API. Buy funds with local fiat; Sell pays it out; Conditions records the country-specific limitation. Rail names follow the provider's wording, including "bank transfer" where no narrower rail is named. — means not applicable.

Canada: Interac coverage on the way in, and the cash-out constraint

Three of the eleven table providers document Interac e-Transfer buys. Price and onboarding can decide the buy flow; cash-out is narrower, with only one table provider documenting Interac payouts.

What it means

Banxa, Mercuryo and MoonPay document Interac buys through their partner widgets; MoonPay limits them to personal bank accounts. For Interac cash-out, Banxa documents instant CAD payouts and is the only integrable option in the tables. Coinbase's developer Onramp names no Canadian bank rail.

Card payout is no bank-rail fallback: MoonPay and Banxa refuse it in Canada; Ramp allows Visa payout outside the US but names no Canadian bank rail, and Transak documents none. A Visa card credit is not an Interac withdrawal. If you integrate a buy-only widget, your users still need a separately contracted exit path; a provider's silence on selling should trigger a question, not an unsupported label.

Stablecoin flows need their own check. Canadian securities rules limit which stablecoins platforms may sell to Canadians, and Paybis refuses stablecoin orders from Canada outright; see the regulatory note below.

Simplex's supported-locations page, updated 20 October 2026, removed Canada from the unsupported list without adding it to the supported list: not documented, not confirmed coverage. It also labels Vermont "VA", apparently a typo.

United States: ACH and RTP coverage, and how fast each one settles

The US has the widest coverage: seven table providers document something in each direction. ACH settlement ranges from hours to days, while state and territory exclusions differ by provider. Check the product and its rail, not just the country.

What it means

For fast payouts, zerohash reports RTP and FedNow in seconds, 24/7/365, switching to FedNow when RTP is unavailable. Ramp quotes RTP as fast as 2 minutes at 0.99%; Bridge's invitation-only FedNow beta quotes up to 20 seconds, subject to receiving-bank support.

ACH windows vary: zerohash and Banxa quote 1–3 business days, Bridge next-day or same-day with a 4:45 PM ET cutoff, Ramp up to 2 days and MoonPay 3–5 days. Ramp charges 0.99%, $1.99 minimum, for ACH and RTP payouts. Specify the contractual window and fee.

Transak's wire icon names no US bank rail; it cannot establish an ACH or RTP route. zerohash's higher-value FedWire works during banking hours, unlike its round-the-clock instant payouts. Stripe's Onramp, covered in the notes below, is buy-only, in public preview and application-gated; you embed it, and Stripe acts as merchant of record and runs KYC.

Geography also differs: Paybis accepts no purchases from New York residents; Simplex excludes NY, LA, AK, WA and VT; Transak lists 45 states plus DC and Puerto Rico but omits AK, LA, MN, NY and ND; Ramp excludes eight states. MoonPay excludes Texas and the USVI from payouts, and New York from PayPal and Venmo. Coinbase's developer Onramp and Offramp are Coinbase-hosted flows (with a headless Onramp option), and Offramp users need a Coinbase account; neither replaces a Bridge or zerohash orchestration API.

Mexico: SPEI coverage in both directions

Four integrable providers document SPEI buys, three document payouts and two do both. The asymmetry is provider-specific, not countrywide, so check each provider's direction.

What it means

Bitso Business and Bridge document SPEI both ways, both as B2B APIs. Bitso requires enterprise onboarding and marks SPEI with an unexplained asterisk; Bridge uses SPEI virtual accounts, a sales contact and SPEI endorsement.

Banxa and Paybis document buys; Banxa refuses SPEI payouts, and Paybis lists Visa card payouts and an unnamed "Mexico Bank" payout but does not name SPEI. Paybis's methods table gives a 5–3,000 range and a 48-hour window; confirm its units and terms. Ramp documents payouts as fast as 30 seconds at 2.9%, but its 2024 buy announcement is absent from current pages.

MoonPay lists SPEI both ways as planned for October 2026, per its September 2026 coverage snapshot. Its Visa Direct payout and Transak's Visa payout are card paths, not SPEI. No integrable provider in the sample documents OXXO cash vouchers, so treat cash funding as unavailable until a provider confirms it in writing.

Providers outside the tables

Three more integrable providers sit outside the country tables because their business documentation names no local rail by country, and a row would imply more than they publish.

• Kraken: its business arm, Payward Services, offers other businesses a Ramp API and a hosted checkout, and Kraken's Ramp page promises "instant crypto buy and sell for your clients" with "24+ payment methods supported, including cards, ACH, PIX, SEPA, Apple Pay, Google Pay, and more". Neither names which rails work in which country or direction, and the Ramp API docs describe only buying. The Interac, ACH, RTP and SPEI rails Kraken documents elsewhere belong to consumer Kraken accounts, so they're not in the tables.
• Stripe: its fiat-to-crypto Onramp is a hosted, embedded or mobile-SDK widget in public preview, by application, with Stripe as merchant of record running KYC. Its docs limit buyers to the US (excluding Hawaii for the embedded onramp) and the EU, and name no funding method. Stripe's merchant payment methods, such as ACH Direct Debit and pre-authorized debit, are not a ramp.
• Topper: a partner widget exists, but no local rail is documented in any market here: cards only.

We also dropped BitPay and Gemini. BitPay uses Ramp and other providers inside its own wallet but doesn't offer a ramp to other businesses, and Gemini's offering for fintechs covers exchange access, custody and OTC, not an end-user fiat ramp.

Onramper and aggregators: routing is not coverage

Onramper routes to ramps it does not own, using conversion, price and KYC friction across 30+ ramps and 175+ methods: on-ramps, off-ramps, swaps and peer-to-peer. Six ramps cost US$199/month or US$1,800/year; all cost US$599/month or US$5,750/year. There is no integration fee: ramps fund it through revenue share. Integrators can also add their own per-transaction fee. Its coverage list names US ACH and Instant ACH, Canadian Interac e-Transfer and Mexican SPEI, but does not itemise rail availability by country.

Onramper gets no provider row: its method list does not prove country, direction or conditions. One underlying ramp may handle deposits and another withdrawals, with different onboarding, pricing and settlement; a listed route may fail a bank or location test. Ace Werk analysis, 21 October 2026: use the aggregator above the table, not as a country-level promise. Request provider-by-provider evidence for each direction, receiving bank and market.

How integrating platforms earn

Most integrable ramps let the platform earn from the flow, but the mechanism differs and few publish it. This is what each provider's own documentation says, checked 26 October 2026.

• Transak: partner fee set in the Partner Dashboard, up to 5% above Transak's baseline; paid monthly in USDC or USDT.
• MoonPay: partner fee per transaction on top of MoonPay's fees, set under On-ramp or Off-ramp → Fees in the Partner Dashboard.
• Mercuryo: "Upper commission" the partner sets above Mercuryo's commission, paid on withdrawal request; a separate affiliate commission paid in crypto from 1,000 USDC. Partners also pay Mercuryo a subscription fee.
• Ramp: partner commission on top of each transaction, for partners whose monthly volume meets Ramp's criteria; Ramp recommends staying below 1%. Paid monthly once commissions reach €5,000 in a month, otherwise quarterly, in fiat or crypto.
• Bridge: developer fee on transfers (fixed or percentage), virtual accounts and liquidation addresses; paid monthly in USD.
• zerohash: platforms may charge their own processing fees, shown on the end customer's receipt.
• Kraken (Payward): optional affiliate fee in basis points on Ramp API quotes and checkouts, added to the user's fee; your share is shown on each quote.
• Topper: partner fees are added to Topper's fee in the order total; Topper doesn't control or share them.
• Paybis: Partner Portal sets widget transaction fees and reports partner profits, then they pay out your share of revenue weekly, bi-weekly or monthly in a stablecoin of your choice.
• Onramper: integrator per-transaction fee, on a monthly or yearly subscription.
• Coinbase (CDP): free for developers; no partner fee or revenue share documented.
• Banxa: Transaction fees and the integrator's mark-up are negotiable on a per-partnership basis depending on the expected volume.
• Simplex, Stripe, Bitso Business, MoonPay Enterprise: no integrator revenue terms published; ask during sales.

That gives two business cases. As a user feature, a ramp lets users fund and cash out without leaving your product, and price and conversion matter most. As a revenue line, your fee stacks on top of the provider's, and every point you add costs conversion; Ramp advises partners to stay below 1% for that reason.

Choosing a provider: six rules from the tables

Ace Werk analysis, 21 October 2026, based on the documented rows above. These are procurement rules, not a provider ranking.

1. Pick by market first, not by brand

None of the eleven table providers documents local rails both ways in all three countries. Banxa has two-way Interac in Canada, US ACH payouts only and Mexican SPEI buys only. Bitso Business covers Mexico both ways but does not serve Canada; Bridge covers Mexico both ways and US selling; Coinbase CDP covers the US both ways but names no Canadian or Mexican local rail. No integrable provider in the sample spans all three markets in both directions.

2. Separate buy from sell before you sign

Buy and sell are separate claims. MoonPay supports Interac buying but refuses Interac selling; Topper handles US card purchases but refuses card selling in Canada and Mexico. Mercuryo and Ramp refuse US card payout. Never contract on assumed symmetry.

3. Ask which speed, then which rail

ACH and RTP settlement windows differ by provider, as the US section shows. Ask for the named rail, contractual window and receiving-bank support; "instant" alone is not a settlement commitment.

4. Map your users' geography to the provider's carve-outs

Paybis bars Quebec buyers. US carve-outs for Paybis, MoonPay, Transak, Simplex and Ramp are detailed above; map those address rules into checkout before a national launch, not into a support queue afterward.

5. Decide between a widget and an API

Banxa, Mercuryo, MoonPay, Paybis, Ramp, Simplex, Transak, Topper and Stripe's Onramp are partner widgets. The provider runs KYC, pricing and checkout, so you ship faster and carry less compliance work. Bridge, zerohash, Bitso Business and MoonPay Enterprise are APIs: you own more of the experience, at the cost of a longer build and heavier onboarding. Coinbase's developer platform sits in between, with Coinbase-hosted flows and a headless Onramp API. Compare like with like, because a widget's price and an API's price cover different work.

6. Budget two providers and a fallback

Banxa has no US ACH buying; Ramp no longer documents US ACH or RTP buys, nor Mexican SPEI buys. Coinbase names no Mexican rail, and Bitso Business does not serve Canada. Budget two providers and a card fallback rather than assuming one covers each direction. Test the fallback in the direction that fails: a card buy cannot rescue an absent bank payout, and a bank payout may require an account or eligibility test the buy flow never asks for. Split the commercial and operational checks by country and direction, then confirm which provider owns the customer-facing failure when a route is unavailable.

Where to start

Ace Werk analysis, based on the tables above, not provider statements.

Regulatory note: what the evidence covers

Banxa describes SPEI as a real-time transfer system operated by the Bank of Mexico (Banxico). Provider availability claims here are not licensing opinions.

Canada restricts which stablecoins platforms may sell to Canadians; it does not ban them. Under CSA Staff Notice 21-333 (5 October 2023), crypto trading platforms that are registered, or have signed a pre-registration undertaking, may let Canadian clients buy or deposit only fiat-backed stablecoins that meet the Canadian Securities Administrators' terms on reserves, disclosure and redemption. Stablecoins not backed by a single fiat currency have been off-limits since 29 December 2023, and non-compliant fiat-backed ones since 31 December 2024, after two extensions. Providers apply this differently: Paybis takes no stablecoin orders from Canadian customers at all.

The federal Stablecoin Act, which received royal assent in March 2026, will require stablecoin issuers to register with the Bank of Canada, but it is not yet in force; draft regulations were published for comment on 24 October 2026.

Ask each provider which entity is the regulated counterparty for your users in each country, and take legal advice on your own structure.

Building for all three markets?

If you're adding on- and off-ramps to a wallet, exchange or fintech product, we can shortlist providers for your markets and directions, model what you can earn per transaction, and design the integration around the gaps.

Talk to Ace Werk about your ramp integration

FAQ

Which crypto ramps can I integrate for Interac e-Transfer buys?

Banxa, Mercuryo and MoonPay document Interac buys through their partner widgets. See the Canada table for MoonPay's personal-account restriction.

Which integrable ramp pays out to Canadian bank accounts?

Banxa documents instant CAD Interac payouts. No other integrable provider in the tables documents a Canadian bank payout, and card payouts don't substitute for Interac, as the Canada section explains.

Which ramps support SPEI buys in Mexico?

Four integrable providers document SPEI buys: Banxa, Paybis, Bitso Business and Bridge. Bitso Business and Bridge are B2B APIs with onboarding conditions. MoonPay lists SPEI as planned, not live.

Which ramps pay out to Mexican bank accounts by SPEI?

Ramp, Bitso Business and Bridge document SPEI payouts, with different conditions. Banxa offers only SPEI buying; MoonPay and Transak offer card payouts, not SPEI. The Mexico section gives speed, fees and onboarding requirements.

Which crypto ramp pays out by RTP or FedNow in the US?

zerohash and Ramp document RTP payouts. zerohash also documents FedNow, MoonPay Enterprise lists FedNow for business virtual accounts, and Bridge's FedNow payout is an invitation-only beta. Compare their receiving-bank requirements and settlement windows in the US section.

What does "not documented" mean in these tables?

The checked provider pages make no claim either way; absence of evidence is not an unsupported feature. The status key above defines the term, and Simplex's unresolved Canada listing is the concrete example.

Can my platform earn revenue from an integrated ramp?

Often, yes. Transak, MoonPay and Mercuryo document a partner fee you set on top of theirs. Bridge documents a developer fee per transfer. Ramp documents a partner commission for partners whose monthly volume meets its criteria. Kraken's Payward Ramp API takes an optional affiliate fee added to the user's fee. Topper and zerohash let you add your own fee. Coinbase's developer Onramp is free to integrate and documents no partner fee. See "How integrating platforms earn" for details.

Method

On 21 October 2026, we checked providers' own pages for local-rail coverage, and on 26 October 2026 we checked which of them document an integration for businesses. Inclusion required both a documented widget, SDK or API that another business can integrate and a documented domestic rail in Canada, the US or Mexico in either direction. That excluded BitPay and Gemini, plus Coinbase's and Kraken's consumer-account rails and Stripe's merchant payment methods, leaving 45 provider-rail rows across three countries, notes on Kraken, Stripe and Topper, and an Onramper note. Explicit refusals count as evidence; silence does not. Rows carry source URLs and provider page dates where shown. On 27 October 2026, we rechecked Paybis's card methods and Canada's stablecoin rules. No checkout or account testing was done; judgments are dated Ace Werk analysis. This is not exhaustive: integrable ramps we did not check include Robinhood Connect, Alchemy Pay, Guardarian and Onramp.money.

Sources

Rail pages were opened on 20 or 21 October 2026, integration and revenue pages on 26 October 2026, and Paybis and regulatory pages on 27 October 2026. Page dates are the publishers' own where shown. Grouped by provider, then by country, with regulators last.

Banxa

• Canada, US, Mexico — Supported payment methods (updated about 14 Oct 2026)
• Integration — Redirect checkout integration overview

Bitso Business

• Canada, US, Mexico — Local payments (no date shown)
• Mexico — MXNB stablecoin (no date shown)

Bridge

• US — Processing windows and cutoff times (no date shown)
• Mexico — MXN integration guide (no date shown)
• Revenue — Developer fees

Coinbase

• US — Onramp and Offramp overview (no date shown)
• Integration, revenue — Onramp FAQ

Kraken

• Integration — Kraken Ramp for institutions
• Integration — Payward Services: on/off-ramps
• Integration, revenue — Payward Ramp API docs

Mercuryo

• Canada, US, Mexico — Which payment methods does Mercuryo support? (no date shown)
• Canada, US — In which countries can I make an off-ramp transaction? (15 Sep 2026)
• Integration — B2B FAQ
• Revenue — Business terms of service

MoonPay

• Canada, US, Mexico — Supported payment methods (26 Aug 2026)
• Canada — Buying crypto with Interac e-Transfer (27 Jul 2026)
• US — Supported withdrawal methods for selling (14 Oct 2025)
• Mexico — MoonPay Enterprise rails and capabilities (coverage snapshot Sep 2026; checked 22 Oct 2026)
• Integration — MoonPay Enterprise Pay In
• Revenue — Partner pricing and fees

Onramper (aggregator)

• Canada, US, Mexico — Onramp aggregator (no date shown)
• Revenue — Onramper's business model

Paybis

• Canada — Available payment methods and their limits (11 May 2026)
• Canada, US, Mexico — Payment methods (updated about 23 Oct 2026)
• US, Mexico — Payout methods (12 Nov 2025)
• Canada, US — Supported countries (updated about Aug 2026)
• Integration — Integration process
• Revenue — Partner Portal overview

Ramp

• Canada, US — Payment methods for buying crypto (updated before 6 Oct 2026; a 2023 post dated 12 Jul 2023)
• Canada, US, Mexico — Payout methods for selling crypto (19 Mar 2025)
• US — ACH, RTP, FedNow: US bank transfers (12 Jul 2023)
• Mexico — SPEI announcement (29 Oct 2024)
• Revenue — Baseline fees for integration partners (27 Feb 2025)
• Revenue — How can I earn from my Ramp Network integration? (19 Sep 2024)

Simplex

• Canada, Mexico — Supported locations (20 Oct 2026)
• US — Supported payment methods (updated about 14 Oct 2026)
• Integration — Integrate a fiat-to-crypto solution

Stripe

• US — Fiat-to-crypto onramp (no date shown; marked public preview)
• US — Embedded onramp integration (no date shown)
• US — Supported assets and networks (no date shown)

Topper

• Canada, US, Mexico — What payment methods are accepted? (2 Oct 2026)
• Canada, Mexico — Where is Topper available? (about 15 Oct 2026)
• US — Topper costs and fees (29 Jun 2026)
• Integration, revenue — Topper for business

Transak

• Canada, US, Mexico — Supported countries (no date shown)
• Revenue — How on-ramps make wallets money

zerohash

• US — Fiat payments (updated about Aug 2026)
• Integration, revenue — On-ramp integration guide

Regulators

• Canada — CSA Staff Notice 21-333: Terms and Conditions for Trading Value-Referenced Crypto Assets with Clients (5 Oct 2023)
• Canada — CSA provides update to crypto asset trading platforms about value-referenced crypto assets (26 Sep 2024)
• Canada — Stablecoin Regulations, Canada Gazette, Part I (24 Oct 2026)