Is Onramper a U.S. company?

Onramper is headquartered in Amsterdam, Netherlands. Operated by Onramper B.V.; the actual seller on every order is one of its partner on-ramps such as Transak, Banxa, MoonPay, Guardarian or Coinify. Anytime Capital is a U.S. company based in Atlanta.

Does Anytime Capital serve customers outside Georgia and Florida?

Yes. Anytime Capital serves customers across the United States and worldwide, subject to verification. Online orders, ACH and wire work from anywhere, cash by mail from anywhere in the U.S., and the branches are for customers who want to pay in cash or sit down with someone.

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.

United States

Onramper

Our pick

Is Onramper available in the USA? Yes, with a catch

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 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 serves customers worldwide and is the U.S. company on the ground: a branch in Atlanta, an office in Miami, a domestic phone line, and the rails Americans actually use.

Onramper serves the U.S. with restrictions
Anytime Capital: Atlanta branch, Miami office, U.S. phone line
Cash, ACH and same-day domestic wire

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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

Can I use Onramper 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 based in the U.S., serves customers worldwide, and adds a phone number, a walk-in branch in Atlanta, and cash and wire options.

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Partial
Onramper U.S. availability
Compared platform
0
Onramper customer offices in the U.S.
Compared platform
2
Anytime Capital U.S. locations
Anytime Capital
Same day
domestic wire settlement at Anytime Capital
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.

Where Onramper stands with U.S. customers

Onramper does not serve U.S. customers directly, because it does not serve anyone directly. A U.S. customer who opens the widget is routed to whichever partner on-ramp is willing and licensed to serve their state, so the answer to "is Onramper available in my state" is really "is at least one of its partners available in my state." For most states that is yes. For New York and a handful of others it depends on the partner, and the widget tells you at the point of routing rather than at the start. Payment methods follow the same logic; Apple Pay, Google Pay, credit cards and ACH appear on some routes and not others.

What Onramper does not have in the United States is any presence at all: no entity you can name as your seller, no office, no phone, no cash rail, no wire desk. Its headquarters is in Amsterdam. Anytime Capital's Atlanta branch on Piedmont Road and its Miami office in One Biscayne Tower are places a customer can walk into, and the same company sells the coin, checks the ID and answers the phone.

What "available" leaves out

Availability is not the same as presence. Onramper has no U.S. office you can visit, no U.S. phone line, and no cash rail. None of that stops a purchase going through, but it matters the moment an American customer needs an American answer: a bank that blocked the card, a wire that needs to go out today, a cash payment from a business that runs on cash. Anytime Capital is headquartered in Atlanta, Georgia. The Atlanta branch at 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324 is open Mon–Fri 10am–5pm · Sat 10am–2pm, (470) 748-2530 reaches a person during business hours, and domestic wires settle the same business day.

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

U.S. payment rails compared

American customers pay in ways a global platform struggles with. Anytime Capital takes Apple Pay, Google Pay, cards, ACH, domestic wire, Cash App, cash in branch and cash by mail, and publishes a bank-by-bank guide to which U.S. issuers allow crypto purchases, so you know before you tap whether your card will be declined.

Apple Pay
Google Pay
Debit card
Credit card
ACH bank transfer
Wire transfer
Cash App
Cash in branch
Cash by mail

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.

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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 11 of 15.

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
Company location	Amsterdam, Netherlands; no U.S. customer office	Atlanta, Georgia, with a Miami office
U.S. phone support	No	(470) 748-2530

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
Company location
Onramper
Amsterdam, Netherlands; no U.S. customer office
Anytime
Atlanta, Georgia, with a Miami office
U.S. phone support
Onramper
No
Anytime
(470) 748-2530

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