Provider at a glance
- Category
- Crypto Bill Pay
- Entity
- Not verified
- Official website
- spritz.finance
Independent rankingchecked How it works
Details
Scored 46 out of 100 under methodology 2026.10.18, from the evidence read in October 2026.
Spritz Finance
Crypto bill pay in the United States
Crypto Bill Pay
#7 Overall
Ranked #7 of 7 crypto bill pay in the published ranking
46
ChainChoice Score
The ChainChoice Score, shown against 100: published scores run from 41 to 99.- High evidence confidence
Is Spritz Finance right for you?
Look elsewhere if these come first
- Business days until the biller shows it PAID — and the buffer the vendor admits you need2/10 here; Living Room of Satoshi scores 9
- Can it reach the one institution you owe — and can that be taken away2/10 here; Bull Bitcoin scores 6
- Who eats the price move between your order and the biller's credit4/10 here; Living Room of Satoshi scores 8
- What you can hand the biller, and what the terms say the vendor actually did1/10 here; Living Room of Satoshi scores 7
Not yet tested for your country. Markets it lists: United States.
to test where you can use it.
The rank above is the published one, the same for every reader. Find my best bill payment service shows where it lands for you.
What will Spritz Finance cost you?
Not priced on this basis
- Payments per month
- 500
- Average payment
- $100
How safe is Spritz Finance?
- Evidence: verified4 of 4 criteria rest on quoted, sourced receipts. Read October 2026.
- LicenceMiCA (EU): no register record on file here.
Alternatives to Spritz Finance
Compare all 4- 4Living Room of Satoshi27 points above · stronger on posted by due date (9 against 2)73
- 5Bull Bitcoin13 points above · stronger on named biller reachability (6 against 2)59
- 6Coins.ph9 points above · stronger on named biller reachability (4 against 2)55
For your setup
Find out if Spritz Finance fits you
The rank above is the published one — the same for every visitor. Answer the category's questions and this section shows where Spritz Finance lands for you, which criteria your answers weight up, and which stated needs the record does or does not meet. The published rank stays beside it.
- A few questions
- No account required
- Ranking-blind: no commercial input
- Personalised in under 60 seconds
Find my best bill payment serviceNothing is inferred from clicks, popularity or commercial value.
Why this rank
Why Spritz Finance ranks #7
Each strength is read from evidence on a 0–10 ladder and weighted as the published methodology states. The 32 objective points these produce (7.2 here) sit inside the score; availability, friction, trust record and measured data add the rest.
4 published criteria · Σ weight 100
CriterionWeightStrength · 0–10ScoreContrib.MedianBestRankEvidence
322+2.055.09#5/7Loading evidence…
262+1.666.09#6/7Loading evidence…
224+2.826.09#6/7Loading evidence…
201+0.645.07#6/7Loading evidence…
Hairline = best in this ranking · tick = its median · a missing bar is "not scored", never zero
Margin−9behind Coins.ph, #6
RobustnessHoldsacross a one-point change to each of its 4 criterion scores, the re-run scores 44–48 and stays #7
Evidence4 of 4 scored4 quoted, 4 with a source link
What would move the rank
Each line is the ranking run again with one of Spritz Finance’s criterion scores changed and every other value held: the smallest whole-point change on that criterion that moves its rank, and where the re-run puts it. Up to 4 climbs and 3 falls are listed, smallest change first. Nothing here is a forecast.
Business days until the biller shows it PAID — and the buffer the vendor admits you need 2 → 7 on its ladder · passes Coins.ph+556#7 → #6
Can it reach the one institution you owe — and can that be taken away 2 → 8 on its ladder · passes Coins.ph+655#7 → #6
What you can hand the biller, and what the terms say the vendor actually did 1 → 9 on its ladder · passes Coins.ph+856#7 → #6
Smallest climb: business days until the biller shows it PAID — and the buffer the vendor admits you need 2 → 7 passes Coins.ph, #6.
Strengths
0 from the score dataWhere it leads
No scored criterion is at or within one point of the category best, so no strength can be stated from the data.
Tradeoffs
4 from the score dataWhere it trails
Not for readers who put first
- Business days until the biller shows it PAID — and the buffer the vendor admits you need — 2/10 against a category best of 9/10
- Can it reach the one institution you owe — and can that be taken away — 2/10 against a category best of 9/10
- Who eats the price move between your order and the biller's credit — 4/10 against a category best of 9/10
- What you can hand the biller, and what the terms say the vendor actually did — 1/10 against a category best of 7/10
Record watch-outs
- THE ONE THING TO READ BEFORE COMMITTING: Spritz's own Terms of Use (re-read 2026-09-28; the page no longer prints a 'Last Updated' date, and §1.2, §9.8, §12.3A and §13.2 are verbatim unchanged) say that paying your bill is legally you SELLING crypto to Spritz — §1.2, 'the user agrees to sell the specified digital asset to Spritz, and Spritz agrees, acting as principal and for its own account, to purchase such digital asset' — and that Spritz 'expressly disclaims any status or liability as a money transmitter, payment processor, broker, or custodian' (§12.3A). Its total liability to you for anything, ever, is capped at fifty US dollars (§13.2), it does not guarantee refunds and may settle any it does give as non-withdrawable in-app credit with no cash value (§9.8), and the rail takes 'up to 3-4 business days' with no cutoff time, timezone or holiday rule published anywhere. Practical rule: do not use Spritz for any bill whose late fee, interest or credit-file consequence exceeds $50, and never for a due date less than a week out — the vendor has contractually told you the late fee is yours alone. Test the specific biller first with the $10 test payment (article 6710424), which is the only way to learn whether your institution is currently reachable — reachability here is a partner-controlled whitelist that has already been revoked for T-Mobile, Citizens Bank Mortgage and Citibank Personal Loans. WHAT SPRITZ IS LICENSED FOR: a FinCEN money services business registration, read on the register (31000319174211, re-read 2026-09-28); its consumer page https://www.spritz.finance/individuals says 'FinCEN registered money transmitter'. In August its homepage FAQ also said 'We are registered with FinCEN, licensed as a Money Transmitter (MTL), and fully compliant with all applicable regulations.' On 2026-09-28 that line appeared on none of the pages read (https://www.spritz.finance/ is now the business 'Rails by Spritz' SDK page), no state register confirmed a money-transmitter licence (NMLS Consumer Access answered an automated read with a Cloudflare 403 on 2026-08-15, which settles nothing either way), and the company's own Terms §12.3A contradict it, so this page states the FinCEN registration only. NO BILLER COUNT: '1000+', '1,000+' and 'over 1000' appear on none of the 28 Spritz pages read; the named-biller reachability score is capped at 2 because billers have been withdrawn, not because of a count. THE WITHDRAWN-BILLER LIST IS TWO LISTS: article 6580795 names three billers, article 6581000 two. OVERLAP: Spritz is a four-product superapp — bill pay, off-ramp, on-ramp and the Spritz Card (a Rain-issued card, per article 6706570's 'Payments to your SpritzCard (Rain Card)'). The same vendor therefore sells the DIY alternative this page measures bill pay against: a reader told to 'sell via an offramp and pay the bill yourself' can do both legs inside Spritz at 0.5% instead of 1.0%. Spritz is not ranked in Offramps or Crypto Cards.
Competitive position
Where Spritz Finance leads and where it trails
Rank on every objective dimension among the rows scored on it. A criterion in the top third of its pool is listed as a lead, the bottom third as a trail; the middle is neither. Popularity, size and commercial terms are not dimensions.
Availability#1 / 76.0 of 20 · constant here
Published criteria#7 / 75.4 of 30 · best 17.4
Friction#1 / 72.7 of 10 · constant here
Trust record#1 / 73.2 of 8 · constant here
Measured data#4 / 78.3 of 18 · best 9.7
Where Spritz Finance leadsNo criterion in the top third of its pool.
Where it trails
- Business days until the biller shows it PAID — and the buffer the vendor admits you need#5 / 7
- Can it reach the one institution you owe — and can that be taken away#6 / 7
- Who eats the price move between your order and the biller's credit#6 / 7
- What you can hand the biller, and what the terms say the vendor actually did#6 / 7
Closest alternatives
The 3 nearest rows by score
Nearest by published score in either direction. Each card states the criteria on which the two rows differ and the cost difference under the same scenario inputs; the compare arithmetic below shows why the higher one ranks higher.
Coins.ph#6 of 7 · score 55 · 9.0 points ahead
Spritz Finance leads onNo scored criterion
Coins.ph leads on
- Can it reach the one institution you owe — and can that be taken away4 vs 2
- Who eats the price move between your order and the biller's credit5 vs 4
- What you can hand the biller, and what the terms say the vendor actually did2 vs 1
Largest single reason Coins.ph is ahead: published criteria (+5.7 display points).Scenario cost: Coins.ph has no verified pricing for this scenario.
Bull Bitcoin#5 of 7 · score 59 · 13.0 points ahead
Spritz Finance leads onNo scored criterion
Bull Bitcoin leads on
- Can it reach the one institution you owe — and can that be taken away6 vs 2
- Who eats the price move between your order and the biller's credit6 vs 4
Largest single reason Bull Bitcoin is ahead: published criteria (+9.1 display points).Scenario cost: Bull Bitcoin has no verified pricing for this scenario.
Living Room of Satoshi#4 of 7 · score 73 · 27.0 points ahead
Spritz Finance leads onNo scored criterion
Living Room of Satoshi leads on
- Business days until the biller shows it PAID — and the buffer the vendor admits you need9 vs 2
- Who eats the price move between your order and the biller's credit8 vs 4
- What you can hand the biller, and what the terms say the vendor actually did7 vs 1
Largest single reason Living Room of Satoshi is ahead: published criteria (+26.8 display points).Scenario cost: Living Room of Satoshi has no verified pricing for this scenario.
Against the leader
77 vs 46 · gap 31.0Why Bitcoin Well ranks above Spritz Finance
The compare workspace's arithmetic applied to these two rows. Each dimension's share of the gap is its weight × the difference, on the displayed scale — it reproduces the displayed gap of 31.0 to within rounding.
DimensionThisBitcoin WellGap share
Availability · 23% weight · constant here6.06.0same
Published criteria · 35% weight5.417.4−31.2, worse
Friction · 12% weight · constant here2.72.7same
Trust record · 9% weight · constant here3.23.2same
Measured data · 21% weight8.38.3same
Published criterionThisBitcoin WellPoints
Business days until the biller shows it PAID — and the buffer the vendor admits you need · w3226−4.10, worse
Can it reach the one institution you owe — and can that be taken away · w2629−5.82, worse
Who eats the price move between your order and the biller's credit · w2249−3.52, worse
What you can hand the biller, and what the terms say the vendor actually did · w2015−2.56, worse
Net4677−31.0
Your scenario
Spritz Finance is not priced for this scenario
Percentage and fixed legs on each payment, for a year. Excludes chargebacks, FX markup and settlement fees priced separately. Change an input and every figure recomputes from the published rate; the published rank does not move.
your cost/yr · default scenario — set your own
Payments per month · your input500
Average payment · your input$100
Rate read from the provider’s published pricing ↗ on 28 October 2026.
your cost/yrCost is stated as your cost/yr in USD; it is never a yield, never annualised, and it does not enter the score.
Not priced on this basis
Under the default inputs · USDCategory medianNot priced0 of 7 rows priced
Cheapest pricedNone pricedDifference not stated · availability not applied — set your country to filter
7 of 7 rows in this ranking have no verified rate for this scenario and are absent from the median, not counted as free.
Evidence
Evidence read 28 October 2026
One row per published criterion: the page each strength was read from, its source type by domain, the reading date and whether the file and the published table agree. Open a row for the quote and the receipt.
4 of 4 cells scored
Score evidenceVerified4 of 4 criteria reconstruct from receipts
4 of 4 criteria reconstruct from a quoted, sourced receipt equal to the published strength.Public receiptsReading…4 quoted with a source URL
The receipt file has not been read yet.Evidence confidenceHighcoverage and corroboration, never freshness
4/4 criteria scored, with 4 dated sources quoted.RobustnessHoldsrank #7 across every one-point re-run
Whether the position holds when one criterion score is changed by one point and the ranking is run again. It is always a re-run of the ranking, never an estimate.The newest evidence read on the platform is 3 November 2026; this category's reading is older. The scores stand as read on 28 October 2026.
Reading the evidence ledger…
CriterionSourceTypeReadFreshnessStatusReceipt
Business days until the biller shows it PAID — and the buffer the vendor admits you needstrength 2 · weight 32Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Can it reach the one institution you owe — and can that be taken awaystrength 2 · weight 26Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Who eats the price move between your order and the biller's creditstrength 4 · weight 22Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.What you can hand the biller, and what the terms say the vendor actually didstrength 1 · weight 20Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.How you can lose money here, and what the ranking scores
- Execution failure: you get a worse price, later, or nothing.Scored by Business days until the biller shows it PAID — and the buffer the vendor admits you need · 32% (Spritz Finance 2/10)Scored by Who eats the price move between your order and the biller's credit · 22% (Spritz Finance 4/10)Scored by What you can hand the biller, and what the terms say the vendor actually did · 20% (Spritz Finance 1/10)
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Regulatory failure, Exit failure, Information failure. A high place says nothing about these; the Methodology tab says what each means. Also scored, as cost, quality or a summary of several families: Can it reach the one institution you owe — and can that be taken away (26%).
Facts
facts, not scoresWhat the record publishes
- Pricing
- Help-centre article "Fees: United States & Canada" at https://
help .spritz .finance /en /articles /8858874 -fees-united-states-canada (byline "August 5, 2026", unchanged since the August read), fetched 2026-09-28: "The base fee for crypto to fiat transactions is 0.5% with a minimum fee of $2". The same page's table 'Fee adjustments by feature' carries the row Feature "Bill payment" | Base fee adjustment "+0.5%" | Minimum fee "$4", and states the stacking rule: "the actual fee will be the greater of: (A) the % fee multiplied by the transaction amount, or (B) the minimum fee value." A bill paid in USDC on Arbitrum, Avalanche, Base, Optimism, Polygon or Solana (token rows marked "No adjustment") therefore carries only the base plus the bill-payment adjustment, with the "$4" floor. Token, network and size adjustments stack on top on the same page: Bitcoin "+1.5%" with a "$5" minimum, Ethereum (all tokens) "+0.5%", and a further "+0.5%" for a Large transaction (">$20,000 and ≤$100,000"). The page's own worked example for a bill, quoted as the vendor prints it: "(2) $1,500 WETH token on Arbitrum network used to pay a credit card bill", ending "Transaction fee = max ($4, 1.5% * $1,500) = $22.50". The 0.5% advertised on https:// www .spritz .finance /individuals is the base rate before the bill-payment adjustment, never the bill-pay price. Fee level is not scored on this page.Spritz Finance — official pricing page ↗ · 28 October 2026 - Prices published in
- USDSpritz Finance — official pricing page ↗ · 28 October 2026
- Licences held
- United States (federal): FinCEN Money Services Business registration, read on the register, with its number. On 15 August 2026 I POSTed SrchBusinessName=SPRITZ to https://
msb .fincen .gov /msbstateselector .php (the search application behind https:// www .fincen .gov /msb-registrant-search). Exactly one record returned. The results table does omit the number column — but the legal-name link opens FinCEN's own registration transcript, which prints it. FinCEN's transcript (a 1-page PDF headed 'MSB Registration Status Information', 'Date: 08/14/2026') reads, field by field: MSB REGISTRATION NUMBER '31000319174211'; REGISTRATION TYPE 'Renewal'; LEGAL NAME 'Spritz Finance, Inc.'; DBA NAME 'Spritz'; STREET ADDRESS '850 NEW BURTON ROAD SUITE 201'; CITY 'DOVER KENT DE'; STATE 'DELAWARE'; ZIP '19904'; MSB ACTIVITIES 'Money transmitter'; STATES OF MSB ACTIVITIES 'Arizona, Connecticut, Georgia, North Carolina'; ALL STATES & TERRITORIES & FOREIGN FLAG (blank); NUMBER OF BRANCHES '0'; AUTHORIZED SIGNATURE DATE '12/31/2025'; RECEIVED DATE '12/30/2025'. The search-results row independently shows the same record with MSB ACTIVITIES coded '409', and FinCEN's own key page https:// msb .fincen .gov /definitions /msbKey .php ('NEW KEY-Form 107 (effective on 3/2012)') defines 409 as 'Money transmitter'. THREE FACTS THE ROW SHOULD CARRY: (a) the registration declares MSB activity in only four states — AZ, CT, GA, NC — with the all-states flag blank, which sits oddly against a bill product offered to the United States as a whole; (b) the register records Spritz as a money transmitter while the vendor's own Terms §12.3A 'expressly disclaims any status or liability as a money transmitter'; (c) a FinCEN MSB registration is a federal FILING OBLIGATION under 31 CFR 1022.380(a)-(f), NOT a licence and NOT a state money transmitter licence — FinCEN's own transcript says so in terms that read as a direct rebuttal of the vendor's homepage: 'FinCEN does not recommend, approve, or endorse any business that registers as a money services business. Any such claim and similar claims are false and may be part of a scam or attempt to deceive consumers.' and 'Information contained on this site has been provided by the MSB registrant. FinCEN does not verify information submitted by the MSB.' 31000319174211 - Compliance level
- partial
- Regulatory note
- United States (federal): FinCEN Money Services Business registration, read on the register, with its number. On 15 August 2026 I POSTed SrchBusinessName=SPRITZ to https://
msb .fincen .gov /msbstateselector .php (the search application behind https:// www .fincen .gov /msb-registrant-search). Exactly one record returned. - Supported chains
- Bitcoin, Ethereum, Polygon, Arbitrum, Optimism, Base, Avalanche, BNB Smart Chain, Solana, Sui, Tron, Dash, XRP
- Markets served
- us
- Primary markets
- Not published
- Restricted markets
- Not published
- Operating limits
- Not published
- Availability note
- UNITED STATES ONLY for bill pay — re-read 28 September 2026, and the vendor now says so in terms on its own bill-pay product page, https://
www .spritz .finance /product /bill-pay: "Is bill pay available outside the US? No. Bill pay is available to US users only." The consumer availability matrix at https:// help .spritz .finance /en /articles /6158352 -supported-countries-payment-methods (byline 16 January 2026, unchanged) still ticks the 'Bill Pay' column for exactly one of 70 country rows, 'United States*', and its settlement-currency table fills 'Bill Pay' with 'USD' only for the United States; the limits table at https:// help .spritz .finance /en /articles /8098526 -transaction-limits leaves 'Bill Pay' blank for Canada and 'All Other Supported Countries' and reads "$20,000 individual transaction $150,000 daily limit" for the United States. THE COUNTRY-COUNT TRAP HAS MOVED, NOT GONE: https:// www .spritz .finance / is now the business 'Rails by Spritz' SDK page and no longer carries the 'dozens of countries', '31 countries' or 'Any token, any bill, anywhere' lines this note quoted in August; the consumer page https:// www .spritz .finance /individuals instead claims "50,000+ tokens and 14 networks across 154 countries" — a count for token integrations, never for bills. The asterisk on 'United States*' is still unexplained; https:// help .spritz .finance /en /articles /14691246 -what-happens-if-my-state-is-not-supported-anymore says card eligibility "is set by our card issuer" and that "You can still use onramp, bill pay, and offramp with your balance and credits", so bill pay is not documented as state-gated, while FinCEN's register (re-read 28 September 2026) still lists declared MSB activity in Arizona, Connecticut, Georgia and North Carolina only. KYC is mandatory before bills (https:// help .spritz .finance /en /articles /6158391 -is-spritz-a-bank: "Spritz requires KYC identity verification for users before they're granted access to bill pay accounts."). Restricted Territories are enumerated in Terms §2.1(d) at https:// www .spritz .finance /terms-conditions.
No confirmed legal entity is on file for this record. Nothing is inferred from the brand name.
If something goes wrong with Spritz Finance: where to complain, and where to report a scam
Loading the routes for your country.
How this page is reviewed
Reviewed means this product in this category was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
How we review · Review calendar · Corrections log · How we make money
History
What the record carries
Changes to published ranks are recorded in a ledger; every step and its cause is listed on the rank-history page. The entries below begin with the current verified snapshot, then the methodology versions whose changes applied to this category, newest first.
10 methodology entries
- 28 October 2026Current verified snapshot · methodology 2026.10.18Score 46, #7 of 7. 4 of 4 criteria scored. History starts here; earlier values are not interpolated.
- 10 October 2026
2026.10.8When nothing serves your country, the list shown for reference is the published ranking · platform-wide- fixed The reference list shown when nothing serves your country is the published order with the published scores, and a build check now fails any such list out of that order or with a score the ranking does not publish.
- fixed The explorer prints an overall rank only for a row the published ranking holds; a country entrant such as Coinbase Commerce for US merchants shows no overall rank.
- changed Published orders do not move. Country results change only where nothing serves the country: in India bill pay keeps Bitcoin Well first and now shows Strike second, as published; 35 such runs across all categories and countries now match the published list exactly.
- 10 October 2026
2026.10.7Forty-one more products are offered only where their own quoted terms serve- fixed 141 country exclusions on 31 rows, each the name of a country the row's own quoted terms exclude: for example Mercuryo Hungary, China, Pakistan, Bangladesh, Chile, Colombia and Morocco; Gemini Custody the United Kingdom, Australia and the EU after its wind-down; Backed xStocks the US, Canada, the UK, Australia, Nigeria, the Philippines and Venezuela.
- changed Thirteen rows list the only countries their terms serve: Coins.ph the Philippines, Spritz bill pay, Brex, Unchained, WisdomTree, Franklin BENJI and AnchorWatch the United States (with its territories for AnchorWatch), PRYPCO Mint the UAE, N26 crypto seven EU countries, Gemini Tokenized Stocks the EU, XNET the US, Canada and the UK, Coldbit Steel and MetaMask Card the countries they list.
- changed Published (no-country) orders do not move. Country results change: in India six categories each lose one row (bill pay, cards, off-ramps, P2P, seed backup, tokenised real estate), and bill pay there has no row confirmed available, so it shows the published order marked as such; country pages list 23 fewer rows (24,357 to 24,334). The grounding test now matches full country names in any case, which shows seven earlier exclusions were quoted all along: the named debt of unquoted exclusions falls from 40 to 33 pairs.
- 10 October 2026
2026.10.6A criterion you require re-scores the rows that meet it · platform-wide- changed The explorer sends each criterion you require, at any band, as fit_required with your other answers; region, licence, chain and fact filters stay filters. On /best, a required criterion joins For you as a marked preference does, which needs your country; Overall stays the published ranking, filtered.
- added Every published criterion has a golden case as the explorer sends it (require:<criterion>), so the order a requirement gives is replayed and gated as the published order is, and a change to it needs an entry here.
Methodology 2026.10.18, the same published run every visitor sees · receipt bill_pay:spritz_finance:2026.10.18:ff085c92b753
Are you Spritz Finance? Reply to this verdict, or send evidence, ask for a correction or claim the listing. Every message gets a public ticket number; none of it changes a rank unless a public page or a signed statement supports it.