Payment Provider Research Report
Executive Summary
This analysis evaluates 12+ fiat-to-crypto payment providers for integrating crypto payments into your Web3 meeting scheduling platform. The goal is to enable users to pay for meetings using traditional payment methods (cards, bank transfers) while receiving crypto payments on your platform.
Key Recommendations:
- Primary Choice: MoonPay + Thirdweb (best coverage + Web3 tools)
- Cost-Effective: Transak or OnRamper aggregation
Provider Comparison Matrix
| Provider | Fee Range | Stripe fee | Global Coverage | Supported Cryptos | KYC Requirements | Integration Complexity | Revenue Share |
| MoonPay | 3.5-4.5% (USD, EUR, GBP, AUD) | 1.75% - 2.9% | 160+ countries | 110+ tokens | Full KYC Required | Low | Yes |
| Transak | 2.9-5.5% (USD, EUR, GBP, AUD) | 1.75% - 2.9% | 100+ countries | 140+ tokens | Tiered | Medium | Yes |
| Banxa | 2.5-5.0% (USD, EUR, GBP, AUD) | 1.75% - 2.9% | 100+ countries | 80+ tokens | Standard | Medium | Yes |
| Ramp Network | 2.49-3.9% (USD, EUR, GBP, AUD) | 1.75% - 2.9% | 170+ countries | 100+ tokens | Minimal | Low | Negotiable |
| Simplex | 3.5-5.0% (USD, EUR, GBP, AUD) | 1.75% - 2.9% | 100+ countries | 130+ tokens | Standard | Medium | Yes |
| Mercuryo | 3.95-7.0% (USD, EUR, GBP, AUD) | 1.75% - 2.9% | 190+ countries | 50+ tokens | Standard | Low | Yes |
| Thirdweb | Variable | 1.75% - 2.9% | Global | Multi-chain | Minimal | Low | Platform fee |
| OnRamper | Aggregated - best fee possible | 1.75% - 2.9% | Global | 200+ tokens | Variable | Medium | Revenue share |
| Dynamic | Platform fee | 1.75% - 2.9% | Global | Multi-chain | Minimal | High | Subscription |
| Guardarian | 2.0-5.0% (USD, EUR, GBP, AUD) | 1.75% - 2.9% | EU focused | 400+ tokens | Minimal | Medium | Yes |
| Wyre | 2.9-3.9% (USD, EUR, GBP, AUD) | 1.75% - 2.9% | US/EU focused | Limited | High | High | Enterprise |
Detailed Provider Analysis
Market Leaders
MoonPay
- Strengths: Global coverage with zero fraud risk and seamless revenue sharing integration
- Best For: High-volume platforms requiring reliability
- Fees: 3.5-4.5% + network fees
- KYC Requirements: Full identity verification required (government ID, selfies, card verification)
- Integration: SDK-based with customizable hosted onramp and widget parameters
- Revenue Model: Revenue sharing with partners
- Meeting Platform Fit: Excellent for premium meetings ($50+) but may have conversion drop-off due to KYC friction
Transak
- Strengths: Competitive fees, extensive crypto support, tiered KYC
- Best For: Diverse user base with varying verification needs
- Fees: 2.9-5.5% (varies by region/payment method)
- Integration: REST API + SDK
- Revenue Model: Revenue sharing
- Meeting Platform Fit: Great for mid-range meetings ($20-100)
Ramp Network
- Strengths: Low fees, minimal KYC, excellent UX
- Best For: Web3-native users, DeFi integration
- Fees: 2.49-3.9%
- Integration: Simple API integration
- Revenue Model: Negotiable deals
- Meeting Platform Fit: Ideal for crypto-savvy consultants
Specialized Solutions
Thirdweb Universal Bridge
- Strengths: Custom onramp experience with multi-chain support
- Best For: Web3 applications needing custom UX
- Fees: Flexible pricing that scales with app usage
- Integration: React SDK + API
- Revenue Model: Platform usage fees
- Meeting Platform Fit: Perfect for Web3-integrated booking flow
OnRamper (Aggregator)
- Strengths: Aggregates multiple providers to handle different user segments
- Best For: Maximizing conversion rates across diverse users
- Fees: Aggregated rates (typically best available)
- Integration: Single API for multiple providers
- Revenue Model: Revenue sharing
- Meeting Platform Fit: Excellent for global diverse user base
Dynamic
- Strengths: Web3 authentication + payments combined
- Best For: Full Web3 user journey integration
- Fees: Subscription + transaction fees
- Integration: Comprehensive Web3 toolkit
- Revenue Model: SaaS subscription
- Meeting Platform Fit: Great for Web3-native consultants
Regional/Niche Players
Banxa
- Strengths: Strong geographic availability and currency support
- Best For: Established crypto exchanges and wallets
- Fees: 2.5-5.0%
- Integration: API + White-label solutions
- Meeting Platform Fit: Good for established crypto user base
Simplex
- Strengths: Wide accessibility with 130+ cryptocurrencies available in 100+ countries
- Best For: High-volume transactions
- Fees: 3.5-5.0%
- Integration: API integration
- Meeting Platform Fit: Suitable for high-value consulting sessions
Guardarian
- Strengths: EU focus, extensive token support (400+)
- Best For: European users, DeFi tokens
- Fees: 2.0-5.0%
- Integration: API + Widget
- Meeting Platform Fit: Great for European consulting market
Cost Analysis for Meeting Payments
Typical Meeting Fee Scenarios
| Meeting Type | Fee Amount | Traditional Payment Cost | Crypto Payment Cost | Net Difference |
| Quick Consultation | $25 | $1.03 (4.1%) | $0.75-1.13 (3.0-4.5%) | -$0.28 to +$0.10 |
| Standard Session | $100 | $3.20 (3.2%) | $2.90-4.50 (2.9-4.5%) | -$0.30 to +$1.30 |
| Premium Consultation | $500 | $14.50 (2.9%) | $12.45-22.50 (2.49-4.5%) | -$2.05 to +$8.00 |
| Enterprise Advisory | $2000 | $58.00 (2.9%) | $49.80-90.00 (2.49-4.5%) | -$8.20 to +$32.00 |
Revenue Share Implications
- With Revenue Share: 15-30% of transaction fees
- Without Revenue Share: Full transaction fee savings
- Break-even: ~$150 meeting fee for most providers
Technical Integration Considerations
API Requirements
- Authentication: API keys, webhook verification
- Webhook Handling: Transaction status updates
- Currency Conversion: Real-time rate fetching
- Error Handling: Failed transactions, compliance issues
- User Experience: Seamless redirect flow
Security Considerations
- PCI Compliance: Not required (crypto-only)
- KYC/AML: Provider-handled for most solutions
- Data Privacy: Minimal customer data exposure
- Transaction Monitoring: Built into provider platforms
Development Resources Needed
- Frontend: UI development & API consumption or widget integration
- Backend: webhook handling, status tracking
- Testing: multiple payment scenarios
- Compliance: legal review, terms updates
For Different Business Models
High-Volume, Cost-Sensitive
- Primary: Ramp Network (lowest fees)
- Secondary: Guardarian (EU focus)
- Aggregator: OnRamper for optimization
Premium User Experience
- Primary: MoonPay (reliability)
- Integration: Thirdweb (custom UX)
- Auth: Dynamic (Web3 integration)
Global Reach Priority
- Primary: Transak (broad coverage)
- Secondary: OnRamper (aggregation)
- Backup: Mercuryo (high availability)