Picking a fiat-to-stablecoin onramp in 2026 comes down to four variables that move together: which regions a provider is licensed in, what they charge for card versus ACH or SEPA, which stablecoins they settle to which chains, and how cleanly they slot into your app. The eight providers below are the ones most commonly embedded in consumer wallets and apps. Every fee quoted here is the rate each provider publishes on its own pricing or help page, linked in the provider section below. Published rates are ceilings and typical ranges, not guaranteed quotes: the number you actually pay depends on payment method, region, currency pair, order size, and any partner markup.
​

Wyre, which had been a major US ACH onramp, shut down in 2023 and is included here only as a reminder that onramp dependencies need a fallback. Most apps that ran on Wyre migrated to Stripe Crypto Onramp or aggregated through Onramper.
​

MoonPay is the most widely embedded consumer onramp. Its pricing disclosure sets the MoonPay fee at up to 4.5% of the order, with a minimum fee of $3.99 to $4.50 on small orders and an extra 0.25% to 10% on purchases denominated in currencies other than USD. MoonPay does not publish a separate per-rail card, ACH, or SEPA rate: the disclosure says the fee varies by order type, transaction volume, fiat currency, digital asset, location, and payment method. Supported stablecoins include USDC, USDT, DAI, and PYUSD across Ethereum, Solana, Polygon, Base, Arbitrum, and Optimism.
​

Integration is widget-first (drop in via URL), with a JS SDK and fully hosted checkout for partners who do not want to ship custody UX. MoonPay's KYC ladder starts with a phone and email check for low limits, then graduates to ID + selfie for higher thresholds. Reference: MoonPay pricing disclosure.
​

Transak operates in 160+ countries, 49 US states (no Hawaii as of May 2026), and supports the widest set of local payment rails: UPI in India, PIX in Brazil, SEPA Instant in Europe, and ACH plus card in the US. Per Transak's fee documentation, credit and debit cards cost 3.5% plus €1 on EUR orders and 5.5% plus €1 on non-EUR orders, Apple Pay and Google Pay cost 3.5% (EUR) or 5.5% (non-EUR) with a €1 minimum, and SEPA transfers cost 0.99% with a €1 minimum. Stablecoin coverage spans USDC, USDT, DAI, PYUSD, and EURC.
​

Transak has three KYC tiers and a developer-friendly widget with NFT checkout and on-ramp aggregation modes. The hosted version is common in self-custodial wallets. Reference: Transak fee documentation.
​

Ramp leans into Open Banking in the UK and EU, which keeps its bank-transfer pricing well under its card pricing. Its pricing policy lists manual bank transfers at up to 1.40%, Easy Bank Transfers at up to 2.40%, cards in USD, EUR, or GBP at up to 3.9%, cards in other currencies at up to 5.45%, and Pix at up to 2.90%, each with a minimum fee of up to €2.49. Apple Pay and Google Pay are priced the same as the underlying card. Stablecoin support covers USDC, USDT, DAI, and EURC.
​

The KYC flow uses bank-account verification as a lighter alternative to ID upload in supported European countries, which materially reduces drop-off. Integration is SDK-first with hosted and in-wallet variants. Reference: Ramp Network pricing policy.
​

Banxa is the regional specialist, particularly strong in Australia (POLi, PayID) and Canada (Interac). Banxa's own guidance puts bank transfers at about 1% all-in against roughly 3% to 5% for cards, and describes its coverage as 100-plus payment methods across 100-plus countries. Banxa does not publish a fixed per-rail fee table, so treat those as ranges rather than quotes. Stablecoin coverage focuses on USDC and USDT.
​

For wallets and dApps targeting APAC users, Banxa often beats US-centric providers on conversion. Integration is widget plus hosted. Reference: Banxa bank transfer fee guide.
​

Coinbase Onramp is a different product than Coinbase Pay or the Coinbase Wallet. It is a developer-facing onramp that lets apps embed Coinbase's KYC and payment rails directly. The Onramp FAQ states the product is free for developers to integrate and that end users pay 2.5% on credit card transactions and 0.5% on ACH, with zero-fee USDC onramping available to selected partners through a Coinbase subsidy program.
​

Stablecoin support is USDC-first, with gas-free USDC transfers on Base. The integration is an embedded SDK with a CDP (Coinbase Developer Platform) account required. Reference: Coinbase Onramp FAQ.
​

Stripe does not publish a standalone rate card for its fiat-to-crypto onramp, which is in public preview and gated behind an application, so pricing comes from your Stripe agreement rather than a public page. For context on what Stripe charges elsewhere in the same family, its pricing page lists stablecoin payments at 1.5% of the transaction amount in USD, a different product from the onramp. Stripe acts as merchant of record on onramp transactions and handles KYC and sanctions screening itself.
​

The catch is geographic coverage: Stripe Crypto Onramp is live in the US and 30+ countries, narrower than MoonPay or Transak. Integration is an embedded element similar to Stripe Elements for cards. Reference: Stripe fiat-to-crypto onramp docs.
​

Mercuryo is the EU-centric option. Its fee page lists on-ramp purchases by card, mobile pay, or alternative payment methods at up to 5.5% with a €1 minimum, on-ramp bank transfers at up to 3% with a €2 minimum, and gives 3.95% as its average service fee. Non-EUR purchases add 0.25% to 1%, and partner integrations can layer an infrastructure fee of 0% to 2% on top. It supports USDC, USDT, and EURC and also issues crypto-funded debit cards in supported regions, which makes it a useful pairing for apps that want both an onramp and a spend rail.
​

Integration is widget plus SDK. Reference: Mercuryo fee page.
​

Onramper does not run its own KYC or payment rails. Instead it aggregates 25+ providers (including all of the above) behind a single SDK, routing each user to the best-priced provider that is licensed in their region. For a global app, this typically beats single-provider integrations on both conversion and fees because Onramper falls back when one provider rejects a card.
​

The trade-off is less control over the user experience and a thin aggregator margin layered on top of provider fees. Reference: onramper.com/pricing.
​

For US-only consumer apps with mainstream users, Stripe Crypto Onramp wins on fees and KYC reuse. For global wallets, Onramper or Transak give the widest country coverage. For USDC-first apps building on Base, Coinbase Onramp's free ACH for Coinbase users is hard to beat. For EU-heavy products, Ramp's Open Banking flow has the lowest drop-off. If you only integrate one, MoonPay is the safest default because of its 160-country footprint and 50-state US licensing.
​

No. USDC and USDT are universal. PYUSD is supported by MoonPay and Transak. EURC is supported by Ramp, Transak, and Mercuryo. DAI is widely supported but declining as issuance shifts to USDS. Niche stablecoins (FRAX, crvUSD, GHO) generally require a DEX swap after onramping into USDC or USDT.
​

Onramps are only half the loop. For converting stablecoins back to fiat, see Best Stablecoin Offramps 2026. For spending stablecoins directly without offramping, see Best Stablecoin Debit Cards 2026. For the underlying mechanics of how stablecoins move between providers, see how stablecoin transfers settle onchain.
​

Fees, region counts, and KYC tier descriptions were pulled directly from each provider's public pricing or developer documentation pages in May 2026: moonpay.com/buy/fees, transak.com/pricing, ramp.network/buy, banxa.com/fees, portal.cdp.coinbase.com/products/onramp, stripe.com/use-cases/crypto, mercuryo.io/fees, and onramper.com/pricing. US state coverage reflects each provider's published licensing map; international country counts reflect their stated availability and may exclude OFAC-sanctioned jurisdictions. Card fees vary by issuer and country and the figures above reflect typical retail rates rather than negotiated partner rates.
​