Banxa vs Topper (Uphold) Banxa leads by 14 points.
Banxa scores 14 points above Topper (Uphold), led by purchase cost, quote honesty, and named licence. Banxa ranks #5 and Topper (Uphold) #8 of 16 published onramps. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
BABanxa68
vs
TOTopper (Uphold)54
Scores are out of 100; published scores fall within 41–99 · ranks #5 and #8 of 16
Criteria roundingThe criteria block is rounded to whole points before it is spread−0.1
Reproduced gap+13.8
Published gapAfter score rounding and bounds — see the note below6854+14.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
BanxaScore 68The onramp that publishes its worst case: 1.99% card fee plus a 2-4% typical spread with contractual maxima, riding its own numbered licences in AU, CA, NL (MiCA), UK and 30+ US states - now private under OSL Group since 2026-01-02.Strength: Licence identity — 8/10Watch-out: The honest disclosure cuts both ways: the 'typical 2-4%' Banxa spread carries a contractual maximum of 15% (plus 10% partner-spread max), and the 'locked-in' Final Price is guaranteed only if you send proof of payment 'immediately' - on a 1-3-business-day SEPA/ACH rail the number on the confirm button can lawfully move before settlement.Topper (Uphold)Score 54Uphold's self-custody onramp widget — 200+ assets by card, Apple/Google Pay, PayPal, Venmo and PIX (Brazil-only local rail), riding four Uphold entities; its fee article (edited 2026-06-29) prices cards at 4.25% and Pix at 4.89% with a $3.99 minimum but never mentions a spread, and its 0.99% SEPA rail serves no EEA buyer: on 2026-09-29 every EEA state sat on its unsupported list.Strength: All in purchase cost — 5/10Watch-out: The fee is published but the price is not: Topper's fee article (edited 2026-06-29, read 2026-09-29) charges 4.25% by card and 4.89% by PIX with a $3.99 minimum but never mentions an exchange-rate spread, partner fees are added on top ('Order Detail Fee = Topper's Fee + Partner's Fee'), and the terms say every purchase is final while committing to no delivery window and no benchmark for the rate.
Quick facts
At a glance
1 of 3 rows read the same for both.
FactBanxaTopper (Uphold)
PricingSnapshotBanxa help article "How does Banxa set the price of cryptocurrency?" (https://support.banxa.com/en/support/solutions/articles/44002465167-how-does-banxa-set-the-price-of-cryptocurrency-, "Modified on Thu, 15 May, 2025"), fetched 28 September 2026, HTTP 200. Processing fee: BUY "Cards & Apple Pay" "1.99%", "Other payment methods" "0%". Spread table (buy): Banxa Spread "Typical: 2-4%" "Min: 0%" "Max: 15%"; Partner Spread (Optional) "Typical: 0-1%" "Max: 10%"; Recovery Spread "Typical: €0-1" "Max: €5". Network fee is a separate buy-side line item ("Market price"). Banxa's own worked example: "if you purchase €1,000 of Litecoin using SEPA" with Banxa spread "3%", Affiliate Fee "1%" and Recovery Fee "$1" ("0.1%") gives "Total Spread" "4.1%". The EU entity's identical article (44002625876, "How does EU Internet Ventures B.V (EUIV) set the price of cryptocurrency?") carries the same table. Worked example (our arithmetic, not a Banxa figure): a EUR 200 SEPA purchase at the typical spreads costs roughly 2 to 5 percent plus network fee; by card add the 1.99 percent processing fee, roughly 4 to 7 percent. The spread benchmark ("reputable, independent third-party pricing providers") is not named.Topper help article "Topper costs and fees" (https://support.topperpay.com/hc/en-us/articles/8926549324444-Topper-costs-and-fees, last edited 29 June 2026; the HTML page returns HTTP 403 to non-browser clients, so it was read through the help-centre API, HTTP 200, fetched 29 September 2026). Topperpay.com buying fees by payment method: Credit/Debit cards "4.25%"; Google Pay "4.25%"; Apple Pay "4.25%"; SEPA bank transfer "0.99%"; Pix "4.89%"; PayPal "4.25%"; Venmo "4.25%". "The minimum fee applied to any transaction is $3.99 USD." Partner orders: "Order Detail Fee = Topper's Fee + Partner's Fee." Network fees "are a separate charge from Topper's buying or selling fees". The article says nothing about an exchange-rate spread. Worked example (our arithmetic, not a Topper figure): a purchase worth EUR 200 costs 4.25 percent (about EUR 8.50) by card or 4.89 percent (about EUR 9.78) by Pix, plus network fee and any partner fee; the 0.99 percent SEPA fee would fall below the $3.99 USD minimum at that size, but every EEA country is on Topper's unsupported list since the MiCA transition ended. The 18 August 2026 note quoted a percentage range from a 17 October 2025 archive of this article; the live article carries this schedule instead.
Asset coverageEditorial——
Region fitSnapshotglobalus, ca, europe
From the published criteria
Which should you pick?
BA
Banxa
68#5 of 16
Leads
Pick it when
Pick Banxa if purchase cost matters most — it scores 6/10 to Topper (Uphold)'s 5/10 there (weight 34).
Strength
Licence identity — 8/10
Tradeoff
The honest disclosure cuts both ways: the 'typical 2-4%' Banxa spread carries a contractual maximum of 15% (plus 10% partner-spread max), and the 'locked-in' Final Price is guaranteed only if you send proof of payment 'immediately' - on a 1-3-business-day SEPA/ACH rail the number on the confirm button can lawfully move before settlement.
TO
Topper (Uphold)
54#8 of 16
Pick it when
Topper (Uphold) leads on no published criterion; its edge is measured data (8.3 vs 6.5 points). Pick it if that term is what you are buying.
Strength
All in purchase cost — 5/10
Tradeoff
The fee is published but the price is not: Topper's fee article (edited 2026-06-29, read 2026-09-29) charges 4.25% by card and 4.89% by PIX with a $3.99 minimum but never mentions an exchange-rate spread, partner fees are added on top ('Order Detail Fee = Topper's Fee + Partner's Fee'), and the terms say every purchase is final while committing to no delivery window and no benchmark for the rate.
Self-identify in 10 seconds
Which one is actually for you?
BABanxaLeads
Choose Banxa if purchase cost matters most
Purchase cost: 6/10 against 5/10 for Topper (Uphold) (weight 34)
Quote honesty: 6/10 against 3/10 for Topper (Uphold) (weight 26)
Named licence: 8/10 against 5/10 for Topper (Uphold) (weight 22)
BanxaScore 68The onramp that publishes its worst case: 1.99% card fee plus a 2-4% typical spread with contractual maxima, riding its own numbered licences in AU, CA, NL (MiCA), UK and 30+ US states - now private under OSL Group since 2026-01-02.Strength: Licence identity — 8/10Watch-out: The honest disclosure cuts both ways: the 'typical 2-4%' Banxa spread carries a contractual maximum of 15% (plus 10% partner-spread max), and the 'locked-in' Final Price is guaranteed only if you send proof of payment 'immediately' - on a 1-3-business-day SEPA/ACH rail the number on the confirm button can lawfully move before settlement.
TOTopper (Uphold)
Topper (Uphold) leads Banxa on no published criterion
Choose it only if something outside the published criteria decides for you — your country, a funding rail, or custody.
Topper (Uphold)Score 54Uphold's self-custody onramp widget — 200+ assets by card, Apple/Google Pay, PayPal, Venmo and PIX (Brazil-only local rail), riding four Uphold entities; its fee article (edited 2026-06-29) prices cards at 4.25% and Pix at 4.89% with a $3.99 minimum but never mentions a spread, and its 0.99% SEPA rail serves no EEA buyer: on 2026-09-29 every EEA state sat on its unsupported list.Strength: All in purchase cost — 5/10Watch-out: The fee is published but the price is not: Topper's fee article (edited 2026-06-29, read 2026-09-29) charges 4.25% by card and 4.89% by PIX with a $3.99 minimum but never mentions an exchange-rate spread, partner fees are added on top ('Order Detail Fee = Topper's Fee + Partner's Fee'), and the terms say every purchase is final while committing to no delivery window and no benchmark for the rate.
Criterion by criterion
Scorecard
Published criteria · weight in points of 868 of 8 cells scored. Strength is read from the evidence file; the weight is the published one. Methodology
Purchase cost
by 1 of 10weight 8.2 of 86Banxa leads
Banxa6/10 out of 10
Topper (Uphold)5/10 out of 10
Quote honesty
by 3 of 10weight 6.2 of 86Banxa leads
Banxa6/10 out of 10
Topper (Uphold)3/10 out of 10
Named licence
by 3 of 10weight 5.3 of 86Banxa leads
Banxa8/10 out of 10
Topper (Uphold)5/10 out of 10
KYC and speed
by 2 of 10weight 4.3 of 86Banxa leads
Banxa7/10 out of 10
Topper (Uphold)5/10 out of 10
Score dimensions
weights sum to 86
The published score is five dimensions, each weighted for the category. "Published criteria" is the criteria block above; the other four are the engine's own terms — availability, friction, trust record, measured data. Each bar is one side's points out of that dimension's maximum; the weight beside the name is its points of the 86-point weighted total. The published criteria above can fill 24 of the block’s 30. A weight marked “constant here” belongs to a dimension every ranked product in the category holds at the same value: it still counts in the total, and it orders nothing here.
Availabilityweight 20 of 86
Banxa14/20Topper (Uphold)12/20
Banxa leads
Published criteriaweight 30 of 86
Banxa15.9/30Topper (Uphold)10.8/30
Banxa leads
Frictionweight 10 of 86 · constant here
Banxa2.7/10Topper (Uphold)2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Banxa3.2/8Topper (Uphold)3.2/8
Tie
Measured dataweight 18 of 86
Banxa6.5/18Topper (Uphold)8.3/18
Topper (Uphold) leads
Decision rulePublished order
Choose Banxa unless the term Topper (Uphold) leads on is the one you are buying.
Topper (Uphold) leads on no published criterion; its edge is measured data (8.3 vs 6.5 points). Pick it if that term is what you are buying.
The published order weighs every criterion the same way for everyone. To weigh them your way, run .
From the published order
Next best action
If this isn't your case
Other matchups worth comparing
How you can lose money here, and what the ranking scores
Regulatory failure: no licence where you are, or a forced market exit.
Scored by Whose money-transmission licence is my money riding — and is that entity my counterparty? · 22% (Banxa 8/10, Topper (Uphold) 5/10)
Execution failure: you get a worse price, later, or nothing.
Scored by Is the number on the widget the number that settles? · 26% (Banxa 6/10, Topper (Uphold) 3/10)
Information failure: the number is wrong or bought, or your data leaks.
Scored by How much identity do I surrender before the coins land in my wallet, and how long does that take? · 18% (Banxa 7/10, Topper (Uphold) 5/10)
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Exit 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: What does a €200 purchase actually cost me — by card and by bank, all-in? (34%).
Questions
Frequently asked questions
Banxa scores 14 points above Topper (Uphold), led by purchase cost, quote honesty, and named licence. Published scores, out of 100: Banxa 68 (rank 5 of 16 onramps), Topper (Uphold) 54 (rank 8 of 16).
Reviewed means both products compared here 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.
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