Coinbase Onramp vs Mercuryo Coinbase Onramp leads by 3 points.
Coinbase Onramp scores 3 points above Mercuryo, led by quote honesty and named licence. Coinbase Onramp ranks #6 and Mercuryo #7 of 16 published onramps. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
CBCoinbase Onramp60
vs
MEMercuryo57
Scores are out of 100; published scores fall within 41–99 · ranks #6 and #7 of 16
Coinbase Onramp scores 3 points above Mercuryo, led by quote honesty and named licence.
CBCoinbase Onramp #6 of 1660
MEMercuryo #7 of 1657
Scores are out of 100; published scores fall within 41–99; a bar is empty at 41 and full at 99.
Why, term by termCoinbase Onramp leads on 2 of 4 published criteria; Mercuryo on 0. The terms sum to the gap.
TermCoinbase OnrampMercuryoWeightPoints
Quote honesty5/104/106.2+1.6for Coinbase Onramp+0.8 of 32
Named licence7/106/105.3+1.4for Coinbase Onramp+0.7 of 32
Net of the terms+3.0
Criteria roundingThe criteria block is rounded to whole points before it is spread+0.1
Reproduced gap+3.1
Published gapAfter score rounding and bounds — see the note below6057+3.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
Coinbase OnrampScore 60Coinbase's embeddable fiat-to-crypto rail (CDP Onramp): Coinbase-account and US guest-checkout flows riding Coinbase's own first-party licence stack — NYDFS-listed in the US and an ESMA-register-confirmed MiCA CASP (Coinbase Luxembourg S.A.) passported across 30 EEA states — with published 2.5% credit-card / 0.5% ACH fees but an unquantified spread, no EUR bank rail, and no published time-to-coins anywhere on its docs.Strength: Licence identity — 7/10Watch-out: For the category's representative European buyer the bank rail simply does not exist — the only bank transfer is US ACH — so a €200 purchase means a card at 2.5% (credit, non-US) or an unpublished debit rate plus an unquantified spread, with no published commitment anywhere on the docs about how long the coins take to arrive; and with hosted guest checkout being discontinued (stated date June 30, 2026, already passed), non-US users increasingly need a full Coinbase account, which turns the 'rail' into exchange onboarding.MercuryoScore 57Multi-entity EU-focused widget rail — EEA crypto flow on Criptan Trade S.L.'s CNMV MiCA CASP (contracting via non-regulated Moneychurros S.L.), non-EEA on a Canadian FINTRAC MSB, UK FCA EMI for the e-money leg only — with a published CAPPED fee schedule (card up to 5.5% min EUR 1, SEPA up to 3% min EUR 2, average 3.95%) but an unquantified embedded spread, a partner-set 0-2% Infrastructure Fee, and a global-ToS rate struck at the execution moment.Strength: Licence identity — 6/10Watch-out: Outside the US the confirm-button number is not contractually binding: the global ToS strikes the rate 'at the execution moment', warns the final price 'may differ from the price specified when placing an order', forbids withdrawing a submitted order, embeds an unquantified spread in the displayed price, and lets each partner surface add a 0-2% Infrastructure Fee — so the same EUR 200 purchase costs materially different amounts depending on which widget integration you met.
Quick facts
At a glance
1 of 3 rows read the same for both.
FactCoinbase OnrampMercuryo
PricingSnapshotCoinbase Developer Platform "Onramp FAQ" (https://docs.cdp.coinbase.com/onramp/additional-resources/faq.md), fetched 29 September 2026, HTTP 200, unchanged from 18 August 2026. "Coinbase Onramp is free for developers to use." Spread: "Coinbase Onramp includes a spread in the price when you buy cryptocurrencies." (no percentage, no named benchmark). Coinbase fees: "Fees are calculated at the time you place your order and may be determined by a combination of factors, including the selected payment method, the size of the order, and market conditions such as volatility and liquidity." Card and ACH: "There is a 2.5% fee for credit card transactions, and 0.5% fee for ACH". USDC: "Zero-fee USDC onramping is available to select partners through a subsidy program for eligible partners." Network fees: "We charge a fee based on our estimate of these network fees." No debit-card fee number is published on this page. Worked example (our arithmetic, not a Coinbase figure): a EUR 200 credit-card purchase carries EUR 5.00 in card fee (2.5 percent) plus the unquantified spread and the estimated network fee; there is no EUR bank rail, since the only bank transfer listed is "ACH (US Bank Transfer)".Mercuryo help article "How does Mercuryo calculate the price and fees for my transaction?" (article 30404513537565, last edited 15 July 2026; the HTML page returns HTTP 403 to non-browser clients and was read through the help-centre API, HTTP 200, fetched 29 September 2026). Mercuryo fee: "the fee ranges from 0% to 5.5%, with a minimum of €1 for smaller on-ramp/buy transactions"; Buy on-ramp (cards, mobile pay, alternative payment methods) "up to 5.5%, or min of €1"; Buy on-ramp (bank transfers) "up to 3%, or min of €2"; "Our average service fee is 3.95%." Non-EUR purchases: "an extra fee of 0.25% to 1% applies, depending on the chosen fiat currency". Partner Infrastructure Fee: "Typically ranging from 0% to 2%, never exceeding 5%." Spread: "The spread is embedded in the displayed crypto-asset price during checkout", with no percentage and no named benchmark. Network fee separate, not quantified. Worked example (our arithmetic, not a Mercuryo figure): a EUR 200 card purchase carries a Mercuryo fee of up to EUR 11.00 (5.5 percent cap) plus an Infrastructure Fee of typically up to EUR 4.00 and at most EUR 10.00, before spread and network fee; by bank transfer the Mercuryo fee is up to EUR 6.00 (3 percent cap). The global Terms of Service (mercuryo.io/legal/terms-global, Version 4.7.5) still state a flat buy fee of 3.95%, which does not match this capped schedule.
Asset coverageEditorial——
Region fitSnapshotus, europe, caeurope, us, ca
From the published criteria
Which should you pick?
CB
Coinbase Onramp
60#6 of 16
Leads
Pick it when
Pick Coinbase Onramp if quote honesty matters most — it scores 5/10 to Mercuryo's 4/10 there (weight 26).
Strength
Licence identity — 7/10
Tradeoff
For the category's representative European buyer the bank rail simply does not exist — the only bank transfer is US ACH — so a €200 purchase means a card at 2.5% (credit, non-US) or an unpublished debit rate plus an unquantified spread, with no published commitment anywhere on the docs about how long the coins take to arrive; and with hosted guest checkout being discontinued (stated date June 30, 2026, already passed), non-US users increasingly need a full Coinbase account, which turns the 'rail' into exchange onboarding.
ME
Mercuryo
57#7 of 16
Pick it when
Mercuryo leads Coinbase Onramp on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.
Strength
Licence identity — 6/10
Tradeoff
Outside the US the confirm-button number is not contractually binding: the global ToS strikes the rate 'at the execution moment', warns the final price 'may differ from the price specified when placing an order', forbids withdrawing a submitted order, embeds an unquantified spread in the displayed price, and lets each partner surface add a 0-2% Infrastructure Fee — so the same EUR 200 purchase costs materially different amounts depending on which widget integration you met.
Self-identify in 10 seconds
Which one is actually for you?
CBCoinbase OnrampLeads
Choose Coinbase Onramp if quote honesty matters most
Quote honesty: 5/10 against 4/10 for Mercuryo (weight 26)
Named licence: 7/10 against 6/10 for Mercuryo (weight 22)
Coinbase OnrampScore 60Coinbase's embeddable fiat-to-crypto rail (CDP Onramp): Coinbase-account and US guest-checkout flows riding Coinbase's own first-party licence stack — NYDFS-listed in the US and an ESMA-register-confirmed MiCA CASP (Coinbase Luxembourg S.A.) passported across 30 EEA states — with published 2.5% credit-card / 0.5% ACH fees but an unquantified spread, no EUR bank rail, and no published time-to-coins anywhere on its docs.Strength: Licence identity — 7/10Watch-out: For the category's representative European buyer the bank rail simply does not exist — the only bank transfer is US ACH — so a €200 purchase means a card at 2.5% (credit, non-US) or an unpublished debit rate plus an unquantified spread, with no published commitment anywhere on the docs about how long the coins take to arrive; and with hosted guest checkout being discontinued (stated date June 30, 2026, already passed), non-US users increasingly need a full Coinbase account, which turns the 'rail' into exchange onboarding.
MEMercuryo
Mercuryo leads Coinbase Onramp on no published criterion
Choose it only if something outside the published criteria decides for you — your country, a funding rail, or custody.
MercuryoScore 57Multi-entity EU-focused widget rail — EEA crypto flow on Criptan Trade S.L.'s CNMV MiCA CASP (contracting via non-regulated Moneychurros S.L.), non-EEA on a Canadian FINTRAC MSB, UK FCA EMI for the e-money leg only — with a published CAPPED fee schedule (card up to 5.5% min EUR 1, SEPA up to 3% min EUR 2, average 3.95%) but an unquantified embedded spread, a partner-set 0-2% Infrastructure Fee, and a global-ToS rate struck at the execution moment.Strength: Licence identity — 6/10Watch-out: Outside the US the confirm-button number is not contractually binding: the global ToS strikes the rate 'at the execution moment', warns the final price 'may differ from the price specified when placing an order', forbids withdrawing a submitted order, embeds an unquantified spread in the displayed price, and lets each partner surface add a 0-2% Infrastructure Fee — so the same EUR 200 purchase costs materially different amounts depending on which widget integration you met.
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
weight 8.2 of 86Tie
Coinbase Onramp5/10 out of 10
Mercuryo5/10 out of 10
Quote honesty
by 1 of 10weight 6.2 of 86Coinbase Onramp leads
Coinbase Onramp5/10 out of 10
Mercuryo4/10 out of 10
Named licence
by 1 of 10weight 5.3 of 86Coinbase Onramp leads
Coinbase Onramp7/10 out of 10
Mercuryo6/10 out of 10
KYC and speed
weight 4.3 of 86Tie
Coinbase Onramp5/10 out of 10
Mercuryo5/10 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
Coinbase Onramp12/20Mercuryo12/20
Tie
Published criteriaweight 30 of 86
Coinbase Onramp13.1/30Mercuryo11.9/30
Coinbase Onramp leads
Frictionweight 10 of 86 · constant here
Coinbase Onramp2.7/10Mercuryo2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Coinbase Onramp3.2/8Mercuryo3.2/8
Tie
Measured dataweight 18 of 86
Coinbase Onramp8.3/18Mercuryo8.3/18
Tie
Decision rulePublished order
Choose Coinbase Onramp unless the term Mercuryo leads on is the one you are buying.
Mercuryo leads Coinbase Onramp on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.
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% (Coinbase Onramp 7/10, Mercuryo 6/10)
Execution failure: you get a worse price, later, or nothing.
Scored by Is the number on the widget the number that settles? · 26% (Coinbase Onramp 5/10, Mercuryo 4/10)
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% (Coinbase Onramp 5/10, Mercuryo 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
Coinbase Onramp scores 3 points above Mercuryo, led by quote honesty and named licence. Published scores, out of 100: Coinbase Onramp 60 (rank 6 of 16 onramps), Mercuryo 57 (rank 7 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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