What is the Best Fiat Gateway?

Fiat-Crypto Gateways Compared

Integrating a fiat-to-crypto gateway or onramp on your website, wallet or exchange allows your customers to buy crypto using fiat currencies. But which fiat gateway is the best? Which fiat onramp should you integrate?

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Onramper vs Moonpay vs Mercuryo vs Sendwyre vs Simplex & more

The best fiat-to-crypto gateways reviewed and compared

See the comparison of Moonpay vs Simplex vs Sendwyre vs Banxa vs Mercuryo vs Onramper and other fiat gateways below.

Fiat Gateway

ID required?

Payment methods

Fiat Currencies



Review Rating

Onramper allows for integrating of Wyre, Moonpay, Coinify, Mercuryo, Indacoin, Xanpool in one.

Not always 




Lowest of fees offered by Wyre, Moonpay, Mercuryo, Xanpool, Indacoin, Coinify





EU wire transfers: 0%
Creditcard: 1.99%**

Moonpay fiat to crypto gateway logo





min. $5 
or 4.5%

* Moonpay is also integrated within Onramper
Wyre fiat to crypto gateway logo





min. $5
or U.S. debit card: 2.9% + 0.30$
Debit/credit cards: 3.99% +0.30$

* Wyre is also integrated within Onramper

Logo of paxul's fiat-crypto gateway

Yes (for EU, U.S. Canada only)

a lot

Any currency








logo of simplex's fiat to crypto gateway





$10 minimum, or up to 5%






* Wyre is also integrated within Onramper

* gateway is integrated within Onramper

** this gateway uses bad conversion rates, or may conceal additional fees within conversion rates.

Fiat gateway reviews

We compare fiat gateways on their fees, UX flow, KYC implementation, transaction speed. We also look at which cryptocurrencies, fiat currencies, countries and payment methods they support. In each review, we discuss available alternatives, while also including a short comparison to help you pick the right fiat onramp for your wallet or application.

A screenshot of Wyre's frontpage for review

Wyre: Review and Alternatives

Wyre is a popular fiat gateway for wallets and exchanges. It has a widget and API, and supports credit cards with relatively low fees. However, is it the best fiat gateway or are there better alternatives to Wyre? In this review, we'll cover Wyre's payment methods, fees, and more to find out whether it is a good fiat onramp to integrate.

a screenshot of Simplex's home page to give an impression of the company for the simplex review

Simplex: Review and Alternatives

Simplex was one of the first fiat gateways, and is integrated by many big names in the crypto industry. But how does it compare to other gateways? Is it worth the fees? In this review, we look at fees, payment methods and more to find out whether it is the best fiat gateway, or whether there are better alternatives to Simplex.

Frequently Asked Questions

Answers on some common questions.

What are fiat-to-crypto gateways?

A fiat to crypto gateway is a widget (or API) that developers can integrate to allow their customers to buy cryptocurrency directly from their website, application, wallet or exchange.

Why integrate a fiat-crypto gateway?

Fiat-crypto gateways make it easier to onboard new users. By integrating a third-party onramp, developers and wallets do not have to worry about compliance with KYC/AML regulations 

What are your ratings based on?

Our ratings are based on a combination of a gateway’s UX flow, KYC process, transaction time, available currencies, available cryptocurrencies, minimum amounts and fees.

What are fiat gateway aggregators?

Gateway aggregators  or fiat onramp aggregators connect to the APIs of various fiat gateways. They allow you to integrate multiple gateways in a single solution, which ensures users can always get the best available gateways and fees. See onramper.