Onramps

The supported countries, currencies, payment methods, fees, KYC, limits, and transaction times vary per onramp provider.

Identification

How does identification work and why is it needed?

How it works and why identification is needed.

Onramper does not store any information that you fill in when transacting with a relevant onramp through our platform. The same applies to any documents or photos you might upload. Instead, everything is sent directly to the onramp that facilitates your transaction. As such, we cannot currently ensure that the same information and documentation can be re-used across various fiat onramps.

Why do I have to verify my identity?

Depending on the onramp provider you choose, verification of your identity is required by law to execute the conversion of fiat currencies to cryptocurrencies. This process exists to minimize the risk of suspicious transactions involved with money laundering or the financing of terrorism. Such customer due diligence and transaction monitoring are required by law in virtually any jurisdiction. Identity verification is done by the onramp you choose to buy cryptocurrency from.
Purchase options marked with 'No document upload required' label typically do not require uploading a copy of your passport or identity document.

How long does ID verification take?

As ID verification is done by the individual fiat onramps, this depends on which onramp you use.
It usually takes most providers between two and thirty minutes to verify your identity.

Why is my document not accepted?

Onramper cannot help you with questions regarding ID verification, as this process is executed (or outsourced) by the fiat onramps. If required, get assistance from the onramp you used for your transaction. Info on how to do this is found in the mail you received.

Why does a user need to get verified with each transaction?

The first time a user transacts, he/she has to complete a fiat onramp’s Know-Your-Customer process. This can be done without leaving your page! If the user does another transaction using the same onramp later, there’s no need to go through KYC again.

Onramper does not save any KYC information. All user information is sent directly to the relevant partner that facilitates the transaction. As such, we cannot currently ensure that the same information and documentation can be re-used across various fiat onramps. We are planning to introduce support for re-using KYC documents soon.

Did not find what you were looking for?

If the expected transaction time has elapsed and you can’t find what you’re looking for in the FAQ of your onramp (seller), please open a support inquiry with the provider you used for your transaction. You can find the contact details of each provider in the Onramper widget: "Menu" -> "Help & Support".

Transactions

Chargebacks, KYC/AML, and Customer Service.

How long does it take to receive my crypto?

This depends on several factors, including the fiat onramp and the payment method used, as well as your location.

Generally, card payments are processed almost immediately. However, it’s common for some transactions to take a few hours. Bank transfers can take anywhere between 1 and 3 (business) days. The crypto is released once all fraud and KYC checks have been completed. For first-time transactions, this can take between a few minutes and a few hours, depending on additional verification that may be required. Most subsequent transactions will be processed within about 15 minutes.

  • In cases of heavy network congestion (which can happen with Ethereum), the on-chain transaction might take longer to execute. Bitcoin generally takes up to an hour to arrive.
  • If you paid with a credit card, your money doesn’t leave your account until the crypto is sent. If something goes wrong, the temporary charge placed on your card/account is removed.
  • If you’ve been waiting longer than expected, you can check the status of your transaction with the link sent to you by email (if supported by your chosen onramp). The transaction tracker will tell you if there are any extra steps needed, or if your payment method has been declined for any reason, and the order has failed.
  • It’s common for some transactions to take a few hours in the case of credit cards. When using bank transfers, transactions can take 1-3 days.

Checking the status of a transaction

This depends on the fiat onramp used for the transaction. Onramper cannot help you in determining the status of your transaction as we are only the middleman that connects you to the fiat onramp. We do not have any insight into the status of your transaction.

In any case, you will receive an email from the fiat onramp you used, which contains information on your transaction. This email generally includes a link to check the status of your transaction.

Cancelling a transaction or getting a refund

Once a transaction is initialized, refunds or cancellations are generally not available – although this is up to each fiat onramp. Onramper is in no way involved with the transaction between you and the onramp. As such, see the terms of the onramp you transacted with.

Chargebacks

As our customer, you never have to deal with any attempted fraud by end-users. All chargebacks and other fraud attempts will be dealt with by the fiat onramps aggregated in Onramper.

KYC/AML

KYC/AML procedures are implemented by the fiat onramps that are aggregated within our fiat onramp. As such, to buy cryptocurrencies, users will have to prove their identity to the fiat onramp used for a transaction. The fiat onramp is responsible for implementing appropriate procedures and compliance requirements to allow users to buy cryptocurrencies. Through Onramper, users can easily fill in / upload all info and documents required by the fiat on-ramp. We never store this data ourselves.

Onramp information

We support countries globally, with over 170 geographies covered through our on-ramp.
While we aim to ensure users can buy cryptocurrency globally, we only work with fiat onramps that have implemented due diligence procedures, anti-fraud measures and KYC/AML policies. As such, users from a limited number of ‘high-risk’ countries, such as Iran or North Korea, might not be able to use Onramper.

Pre-authorisation

When you choose a credit card as your payment method, sometimes an onramp provider will put a temporary pre-authorization on your card that sets aside the correct amount of funds for your transaction. Unlike an actual transaction, a pre-authorization does not take funds out of your account, it simply puts a hold on those funds until your transaction has been sent for processing.

Pre-authorizations will show up on your statement as “PENDING” and are not actual charges.

Why do we use pre-authorisations?

A pre-authorization confirms your payment method is valid and operational, and that there are enough funds to cover the cost of the transaction, while other processes are finished (such as verifying that you are who you say you are).

What happens if the transaction gets rejected after a pre-authorization has been placed on my card?

If for some reason your transaction fails or is canceled, the pre-authorization will be canceled. Depending on your bank, the pending transaction will just disappear the same day, but in some instances, this can take up to 10 business days.
Rest assured, you will never be charged for failed transactions and funds will never leave your account.

Common reasons for failed orders

You might have failed the identity check:

Many onramp providers require you to provide information on who you are, sometimes including an upload of your ID/passport. In case you do not pass this identity verification, your order will fail.

Additionally, your payment itself can fail for various reasons.
When you pay with a credit card, the most common reasons for failed orders are:

  • You used someone else’s credit card or inputted the wrong billing address
  • Your issuing bank declined the credit card authorization
  • Your bank does not support crypto-acquisitions
  • Incorrect billing info

When you pay via bank transfer, the most common reasons for failed orders are:

  • You sent the transfer from someone else’s bank account
  • You have not included the reference number provided to you
  • You sent an incorrect amount

Did not find what you were looking for?

If the expected transaction time has elapsed and you can’t find what you are looking for in the FAQ of your onramp (seller), please open a support inquiry with the provider you used for your transaction. You can find the contact details of each provider in the Onramper widget: "Menu" -> "Help & Support".