--- title: "MoonPay vs Transak vs Ramp Network: on-ramp widgets compared, and when a business needs a payout API" seoTitle: "MoonPay vs Transak vs Ramp Network compared (2026)" description: "MoonPay, Transak, Ramp Network, Banxa, and Paybis compared on integration, KYC, and quotes, plus when a business needs a payout API instead." date: "2026-10-19" updated: "2026-10-19" category: "payments" author: "BlindPay Team" faq: - q: "What is the difference between MoonPay, Transak, and Ramp Network?" a: "All three let end users buy and sell crypto inside your app. MoonPay integrates through SDKs as a modal or in-app web view and acts as merchant of record. Transak offers redirect, iFrame, JS SDK, WebView, and a Whitelabel API, with KYC Reliance. Ramp Network describes itself as aggregating liquidity, payment, and payout methods, with web and mobile SDKs and a v3 REST API." - q: "Who does KYC in an on-ramp widget?" a: "Usually the widget provider. MoonPay's users pass MoonPay's KYC inside the widget, Transak says it handles KYC and lets partners share existing data through KYC Reliance, and Banxa's Hosted Checkout runs KYC for you. Banxa's Native API is the exception in this group: it is headless and the partner manages KYC. Check who owns the customer relationship before you choose." - q: "Do MoonPay, Transak, and Ramp Network lock quotes?" a: "Their public docs differ. MoonPay's buy quote returns an expiry, with 1800 seconds in the reference example. Transak calls its quote a temporary price refreshed every minute and settles at the latest rate at that moment. Ramp Network's v3 quote endpoints return amounts and fees but the docs reviewed state no lock period. Ask each provider in writing, as of October 2026." - q: "Can I use an on-ramp widget to pay suppliers or contractors?" a: "Not well. A widget is built for an end user who buys or sells crypto for themselves, logs in, passes the provider's KYC, and picks a payment method. Paying a supplier in Brazil or a contractor in Mexico is a business payout: your company is the sender, the recipient only shares bank details, and you need a locked amount before you pay." - q: "Which is the best option for business payouts to local bank accounts?" a: "For a business paying recipients over local rails, BlindPay is the better fit: a payout quote locks the exchange rate and fee for up to 5 minutes, then pays out over Pix, SPEI, ACH, SEPA, Faster Payments, and SWIFT (POBO/COBO) through one API. For consumer crypto checkout inside a wallet or dApp, a widget like MoonPay, Transak, or Ramp Network fits better." --- MoonPay, Transak, and Ramp Network are consumer on-ramp widgets: an end user buys or sells crypto inside your app, passes the provider's KYC, and pays with a card, bank transfer, or wallet. They differ in integration options, KYC handling, and how firmly they quote. A business paying suppliers or contractors in local currency needs a payout API instead. This guide compares the three, plus Banxa and Paybis, using each provider's public developer docs as of October 2026. Then it covers the case most comparison pages skip: what to use when the sender is your company, not your user. For background on how ramps earn money on each conversion, see [how on/off-ramp providers make money](/resources/more/how-onramp-offramp-providers-make-money). **Key takeaways** - MoonPay, Transak, and Ramp Network sell crypto to and buy it from end users inside your app. Your user is the customer. - MoonPay and Transak run KYC inside their flow. Banxa offers both a hosted option and a headless one where you own KYC. - Quote behavior is not uniform. Transak's quote refreshes every minute and settles at the latest rate. MoonPay's quote carries an expiry. - Widgets fit wallets, dApps, and exchanges. They are not built for paying a supplier in reais or a contractor in pesos. - For business payouts to local bank rails, BlindPay locks the rate and fee in a quote, then pays over Pix, SPEI, ACH, SEPA, Faster Payments, and SWIFT (POBO/COBO). ## How do MoonPay, Transak, and Ramp Network compare? They overlap on the basic job and differ on the details you integrate against. The table puts BlindPay first as the reference point for business payouts, then the five widget providers. | Provider | Built for | Integration | Who runs KYC | Quote behavior in public docs | | --- | --- | --- | --- | --- | | **BlindPay** | Business payouts and payins over local rails | REST API, SDKs, MCP server | BlindPay, inside the API (KYC and KYB) | Locks rate and fee; payout quotes expire in 5 minutes | | **MoonPay** | Consumer buy and sell inside apps | SDKs: modal or in-app web view | MoonPay, in the widget | Buy quote returns `expiresIn` and `expiresAt` | | **Transak** | Consumer buy and sell, NFT checkout | Redirect, iFrame, JS SDK, WebView, Whitelabel API | Transak, with KYC Reliance | "Temporary price quote", refreshed every minute | | **Ramp Network** | Consumer buy and sell inside dApps | Web and mobile SDKs, REST API v3 | Not stated on the pages reviewed | Quote endpoints return amounts and fees; no lock period stated | | **Banxa** | Consumer buy and sell | Hosted Checkout or Native API | Banxa (hosted) or partner (Native API) | Not stated on the pages reviewed | | **Paybis** | Consumer buy, sell, and swap | Direct URL, API checkout, overlay SDK | Paybis | Not stated on the pages reviewed | Sources: [MoonPay on-ramp docs](https://dev.moonpay.com/docs/on-ramp-overview), [Transak docs](https://docs.transak.com/), [Ramp Network docs](https://docs.rampnetwork.com/), [Banxa docs](https://docs.banxa.com/), and [Paybis for business](https://paybis.com/business/), all reviewed in October 2026. ## What does MoonPay do best? MoonPay is a merchant-of-record widget with broad payment method coverage. Its docs list credit and debit cards, EUR, GBP, and USD bank transfers, PayPal, Venmo, PIX, Yellow Card, Apple Pay, and Google Pay, across 100+ cryptocurrencies. Because MoonPay is merchant of record, it takes responsibility for fraud disputes and chargebacks, and new users pass MoonPay's KYC inside the widget. That's a real benefit for a wallet that doesn't want card risk. The off-ramp runs the other way. The user picks a payout method, confirms the sale, and your app sends the crypto on their behalf. The deposit has to reach MoonPay within 48 hours, or the sale fails with "Deposit timeout" ([MoonPay off-ramp docs](https://dev.moonpay.com/docs/off-ramp-overview)). ## What does Transak do best? Transak is the most flexible on integration shape. You can redirect, embed an iFrame, use the JavaScript SDK, drop it into a mobile WebView, or build a fully custom UI on the Whitelabel API. KYC Reliance lets you share KYC data you already collected, so users don't verify twice. The off-ramp lets users "receive fiat in their local bank account via different payout methods," and the partner sets its own fee percentage in the dashboard. On pricing, read the quote docs carefully. Transak's Get Quote is a "temporary price quote" that is "refreshed every minute," and the crypto amount at settlement is based on the latest exchange rate at that moment. That is an indicative price, not a lock. [Indicative rate vs binding quote](/resources/more/indicative-rate-vs-binding-quote-api) explains why the difference shows up in support tickets. ## What does Ramp Network do best? Ramp Network positions itself as an aggregator. Its docs say it combines "various sources of liquidity, payment and payout methods" so users can "buy or sell crypto directly from your dApp." For developers, the REST API v3 has separate on-ramp and off-ramp quote endpoints that return a result per payment or payout method, with crypto amount, fiat value, base fee, applied fee, and an optional host fee cut. That makes it easy to show users a choice of methods. The pages reviewed don't state a quote lock or validity period, so ask before you promise an amount. ## Where do Banxa and Paybis fit? Both cover the same consumer job with a different emphasis. - **Banxa** offers two paths. Hosted Checkout handles KYC and checkout by redirect or iFrame. The Native API is headless, and the partner manages KYC. Banxa cites local payment methods across 150+ countries and 45 regulatory licences. - **Paybis** offers a direct URL, an API-based checkout, and a full-screen overlay SDK, with on-ramp, off-ramp, and swaps. Off-ramp payouts go to cards, bank transfers, and e-wallets such as Skrill and Neteller. Headless integration is listed as on the roadmap. If your product is a wallet or exchange, any of the five can work. Pick on payment methods in your users' countries and on who you want owning KYC. [On-ramp widget vs API](/resources/more/on-ramp-widget-vs-api) walks through that decision. ## Illustrative example: what does an unlocked quote do to a payout? Illustrative example, with made-up rates and no real provider fees. A business wants a recipient in Brazil to get paid for 1,000 USDC. | Step | Refreshing quote | Locked quote | | --- | --- | --- | | Rate shown at confirmation | 5.40 BRL per USDC | 5.40 BRL per USDC | | Rate applied at settlement | 5.38 BRL per USDC (latest rate) | 5.40 BRL per USDC (locked) | | Recipient receives | R$ 5,380.00 | R$ 5,400.00 | | Gap vs what was shown | R$ 20.00 short | None | Twenty reais is small once. Across 500 payouts a month it becomes reconciliation work and recipients asking why the number changed. A consumer buying crypto for themselves tolerates that. A supplier expecting an invoice amount usually doesn't. ## When does a business need a payout API instead of a widget? When your company is the sender. Widgets assume the person on the other side of the screen is buying or selling for themselves: they log in, pass KYC with the provider, and choose a method. A business payout has a different shape. 1. The sender is your company, verified once with KYB. 2. The recipient shares bank details: a Pix key, a CLABE, a CBU, an IBAN. 3. You need the exact local amount before you pay. 4. Payouts run in batches, from code, with webhooks for status. BlindPay is built for that job. A payout quote is created against a recipient's bank account and locks the exchange rate and fee, expiring 5 minutes after creation, or sooner on SEPA and Faster Payments ([payout quotes](/docs/payout-quotes)). One USDC or USDT balance then pays out over ACH, domestic wire, RTP, and SWIFT (POBO/COBO) with UETR tracking and MT103 confirmations in the US, Pix, PIX Safe, and TED in Brazil, SPEI in Mexico, ACH Colombia, Transfers 3.0 in Argentina, SEPA in Europe, and Faster Payments in the UK ([payment methods](/docs/kb/payment-methods)). BlindPay operates as a non-custodial payment processor for payout flows from customer-controlled wallets: you authorize the exact amount and BlindPay executes that single transaction. Pricing is a monthly plan plus per-transaction fees disclosed in the live quote before you execute. Many products need both. A wallet can keep MoonPay or Transak for users buying crypto, and route business payouts through BlindPay. [The Latin America payout cheat sheet](/resources/more/latin-america-payout-cheat-sheet) lists the recipient details each country needs. ## What to do next List the job first: users buying crypto, or your company paying people. If it's payouts, request a payout quote on a BlindPay development instance and compare `receiver_amount` with what your current flow delivers. The [payout quotes docs](/docs/payout-quotes) show the request.