Is Onramper regulated in the United States?

Onramper itself has no U.S. license; a U.S. customer is routed to whichever partner on-ramp serves their state, so availability, excluded states and payment methods change from order to order. Anytime Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does Onramper hold my crypto?

No. Onramper delivers to a wallet you control, the same way Anytime Capital does.

Can I switch from Onramper to Anytime Capital without moving my crypto?

Yes. Both send purchased crypto to a wallet address you control, so nothing needs to move. Create an Anytime Capital account, verify once with your ID and a selfie, and paste the same address at checkout.

Is Anytime Capital regulated?

Anytime Capital is a U.S.-based money services business registered with FinCEN, serving customers worldwide, with a physical branch in Atlanta and an office in Miami. Identity verification is required before you can transact, the same as at every compliant platform.

Trust & safety

Onramper

Our pick

Is Onramper legit? What that does and does not mean

Q: Is Onramper a scam?

No. Onramper is a legitimate on-ramp operating since 2019. Onramper is a routing layer, not a licensed money transmitter; identity checks, licensing and compliance are handled by the partner on-ramp that fills each order, and Onramper's docs say it is not a party to the transaction.

Q: How does Anytime Capital pricing compare with Onramper?

Anytime Capital quotes one all-in number: card, Apple Pay and Google Pay orders start from 4% with the spread included, and the amount you pay and the crypto you receive are both on screen before you confirm. Onramper prices no fee of its own; the card fee is whatever the routed partner charges, which across its on-ramps runs from roughly 1% to 5% or more plus each partner's minimum, spread and network fee, with none; the partner delivers the coins to the wallet you started in and shows its own network fee. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

Onramper is a real on-ramp that has operated since 2019. The useful question is not whether it is a scam but what happens on the day something goes wrong, and that is where an online-only platform and a U.S. company with a front door part ways.

Onramper is a routing layer, not a licensed money transmitter; identity checks, licensing and compliance are handled by the partner on-ramp that fills each order, and Onramper's docs say it is not a party to the transaction.
Delivers coins to a wallet you control
Anytime Capital: a U.S. company you can call or visit

Buy with Apple Pay from 4%Call (470) 748-2530 Buy Bitcoin now

Updated September 2026. Onramper figures from its published pricing, terms and independent reviews.

FinCEN-registered U.S. money services business
Atlanta branch · Miami office
8,000+ completed trades
FDIC-insured cash account

Quick answer

Is Onramper legit and safe to use?

Yes. Onramper is a legitimate on-ramp founded in 2019, based in Amsterdam, Netherlands. Onramper is a routing layer, not a licensed money transmitter; identity checks, licensing and compliance are handled by the partner on-ramp that fills each order, and Onramper's docs say it is not a party to the transaction. Onramper serves the U.S. with restrictions. It does not hold your coins, so the risks are declined payments and verification holds rather than lost funds. What it does not offer is a phone number or a place to walk into, which is why many customers prefer Anytime Capital when something needs a human.

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2019
the year Onramper was founded
Compared platform
1.9 / 5
Onramper Trustpilot average
Compared platform
2
Anytime Capital walk-in offices
Anytime Capital
8,000+
completed Anytime Capital trades
Anytime Capital

Card pricing at Anytime Capital, where Onramper has no card rail

Published fee percentages on a debit or credit card order

Onramper does not sell crypto for a card payment directly: no fee of its own; the card fee is whatever the routed partner charges, which across its on-ramps runs from roughly 1% to 5% or more plus each partner's minimum, spread and network fee. Anytime Capital card pricing starts from 4% and is shown in full before you confirm, excluding network fees. As of September 2026.

The checklist: does Onramper pass?

Onramper is a real company, founded in Amsterdam in 2019 and operated by Onramper B.V., and its widget is embedded by well-known wallets. It is not a scam. It is also not what many searchers assume: it is not an exchange, not a money transmitter and not the seller of your coins. Its own documentation says it is not involved in the transaction between you and the on-ramp. Every order is filled by a partner such as Transak, Banxa or MoonPay, and it is that partner's license, verification and compliance that apply.

That is why the legitimacy question is really about the route. If Onramper sends you to a licensed U.S. on-ramp, you are dealing with a licensed U.S. on-ramp. If it sends you to a partner that is thin in your state, you are dealing with that. Onramper's small Trustpilot profile, under 2 out of 5 from fewer than twenty reviewers, is dominated by people who could not get an answer after an order stalled, which is a support problem rather than a fraud problem, but it is the problem to weigh.

Anytime Capital is a U.S. money services business with a storefront in Atlanta and an office in Miami. The same identity checks and bank declines can happen here, because they are part of the business. The difference is that the company that took your money is the company on the other end of (470) 748-2530.

Onramper is a routing layer, not a licensed money transmitter; identity checks, licensing and compliance are handled by the partner on-ramp that fills each order, and Onramper's docs say it is not a party to the transaction.
Operating since 2019, headquartered in Amsterdam, Netherlands
Identity verification required
Non-custodial delivery to your own wallet

What "safe" looks like when a trade goes sideways

Read the one-star reviews of Onramper and a pattern appears: no response from support after a stalled transaction, being passed between onramper and the partner on-ramp, orders marked pending for weeks, a quote that changed once the partner's checkout loaded. These are compliance and process events, not theft, and every regulated platform has them. The difference is what you can do about it. On Onramper you open a ticket or a chat and wait. At Anytime Capital you call (470) 748-2530 and speak to someone who can see the order, or walk into the Atlanta branch at 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324 and resolve it across a desk.

A front door, not a chat window

Onramper is built to be used through a screen. We are built to be visited. Bring cash, bring questions, or bring a problem another platform could not solve.

Atlanta branch: 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324
Hours: Mon–Fri 10am–5pm · Sat 10am–2pm
Phone: (470) 748-2530

Anytime Capital branch storefront on Piedmont Road in Atlanta — Atlanta branch, Piedmont Road NE

One Biscayne Tower in Miami, home of the Anytime Capital Miami office — Miami office, One Biscayne Tower

How to protect yourself on any platform

Use the real website address and never a link from a message. Turn on two-factor authentication. Send your first purchase to a wallet you already control and confirm it arrives before buying more. Keep a screenshot of the confirmation screen with the fees. And if anyone contacts you claiming to be from any exchange and asks you to move money, hang up and call the number on the company's own site.

Leaving Onramper? Your wallet address works here too.

Verify once with your ID and a selfie, pick a coin, choose any of nine ways to pay, and paste any wallet address you control. Card and Apple Pay orders confirm in minutes; wires settle the same business day.

Buy with Apple Pay from 4%Open a free account

Non-custodial wallet, or your own address
FDIC-insured cash account with a free debit card
(470) 748-2530 during business hours
Walk-in branch in Atlanta, office in Miami

Side by side

Onramper vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 10 of 14.

Category	Onramper	Our pick
Card purchase fee	No fee of its own; the card fee is whatever the routed partner charges, which across its on-ramps runs from roughly 1% to 5% or more plus each partner's minimum, spread and network fee	From 4% with the spread included, quoted in full before you confirm
Bank transfer fee	depends on the routed partner; ACH and bank transfer are offered by some U.S. on-ramps in the network and not others	ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Not offered as a U.S. rail by the partners commonly routed to	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Partial	Yes
Talk to a human	Email and a Telegram group for Onramper itself; transaction support is handed to the partner on-ramp through the widget's help menu	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	Onramper itself has no U.S. license; a U.S. customer is routed to whichever partner on-ramp serves their state, so availability, excluded states and payment methods change from order to order.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Verification belongs to the partner on-ramp, not Onramper; small orders may be routed to a partner with lighter checks, larger ones to a full ID-and-selfie flow.	Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card	No FDIC-insured cash account	FDIC-insured cash account with a free virtual debit card
Large orders	Limits belong to the routed partner; no desk of its own	Dedicated OTC desk with a named contact
Custody of your coins	Your own wallet; you hold the keys	Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation	Onramper is a routing layer, not a licensed money transmitter; identity checks, licensing and compliance are handled by the partner on-ramp that fills each order, and Onramper's docs say it is not a party to the transaction.	U.S.-based, FinCEN-registered money services business
Way to escalate a problem	Onramper's Trustpilot profile is small and poor, and the complaints are almost all about not being able to reach anyone after an order stalled.	Phone, email, or in person at the Atlanta branch

Card purchase fee
Onramper
No fee of its own; the card fee is whatever the routed partner charges, which across its on-ramps runs from roughly 1% to 5% or more plus each partner's minimum, spread and network fee
Anytime
From 4% with the spread included, quoted in full before you confirm
Bank transfer fee
Onramper
depends on the routed partner; ACH and bank transfer are offered by some U.S. on-ramps in the network and not others
Anytime
ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash
Onramper
Not offered
Anytime
Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
Onramper
Not offered as a U.S. rail by the partners commonly routed to
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Onramper
Partial
Anytime
Yes
Talk to a human
Onramper
Email and a Telegram group for Onramper itself; transaction support is handed to the partner on-ramp through the widget's help menu
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Onramper
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Onramper
Onramper itself has no U.S. license; a U.S. customer is routed to whichever partner on-ramp serves their state, so availability, excluded states and payment methods change from order to order.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Onramper
Verification belongs to the partner on-ramp, not Onramper; small orders may be routed to a partner with lighter checks, larger ones to a full ID-and-selfie flow.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Onramper
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Onramper
Limits belong to the routed partner; no desk of its own
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Onramper
Your own wallet; you hold the keys
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Onramper
Onramper is a routing layer, not a licensed money transmitter; identity checks, licensing and compliance are handled by the partner on-ramp that fills each order, and Onramper's docs say it is not a party to the transaction.
Anytime
U.S.-based, FinCEN-registered money services business
Way to escalate a problem
Onramper
Onramper's Trustpilot profile is small and poor, and the complaints are almost all about not being able to reach anyone after an order stalled.
Anytime
Phone, email, or in person at the Atlanta branch

Ways to pay

9 ways to pay here. 1 at Onramper.

The rails Onramper has, it runs well. The ones it does not have are the ones a customer reaches for when a card is declined, an amount is large, or the money is in cash.

MethodOnramperAnytime Capital

Apple PayInstant, from your phoneLimitedYes
Google PayInstant, Android and webLimitedYes
Debit cardVisa and MastercardYesYes
Credit cardAmex and Discover accepted hereLimitedYes
ACH bank transferLower cost, settles in business daysLimitedYes
Domestic wireSame-day for larger ordersNoYes
Cash AppPay from your Cash App balanceNoYes
Cash in personAtlanta branch, counted at the counterNoYes
Cash by mailFrom anywhere in the U.S.NoYes

Coins

Every major coin, one checkout

Most of the volume on any platform is in the same few dozen coins. Every one below has its own buy page here, with Apple Pay, card, ACH, wire and cash at checkout.

How it works

Three steps from Onramper to here

1
Verify once
Government ID and a selfie, online in minutes. Stuck? Call the branch or come in and finish it in person.
2
Pay your way
Apple Pay, Google Pay, card, ACH, wire, Cash App, cash in branch or cash by mail. The full price is on screen before you confirm.
3
Receive and keep going
Coins land in your own wallet or the free Anytime Capital wallet. Sell back to an FDIC-insured cash account and spend with the debit card.

Buy with Apple Pay from 4%Call (470) 748-2530 Buy Bitcoin now

Ready to leave Onramper behind?

Anytime Capital is a U.S. money services business serving customers worldwide, with a branch in Atlanta, an office in Miami, and card pricing from 4% with the spread included. Verification takes minutes, nine payment methods are live, and (470) 748-2530 reaches a person during business hours.

Wire transfer
Cash in person

Buy with Apple Pay from 4%See fees & limits

Digital assets are not FDIC-insured, are not bank deposits, and may lose value. Availability and limits subject to identity verification and compliance review.

Questions