Mercuryo vs Topper (Uphold) Mercuryo leads by 3 points.
Mercuryo scores 3 points above Topper (Uphold), led by quote honesty and named licence. Mercuryo ranks #7 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.
MEMercuryo57
vs
TOTopper (Uphold)54
Scores are out of 100; published scores fall within 41–99 · ranks #7 and #8 of 16
Mercuryo scores 3 points above Topper (Uphold), led by quote honesty and named licence.
MEMercuryo #7 of 1657
TOTopper (Uphold) #8 of 1654
Scores are out of 100; published scores fall within 41–99; a bar is empty at 41 and full at 99.
Why, term by termMercuryo leads on 2 of 4 published criteria; Topper (Uphold) on 0. The terms sum to the gap.
TermMercuryoTopper (Uphold)WeightPoints
Quote honesty4/103/106.2+1.6for Mercuryo+0.8 of 32
Named licence6/105/105.3+1.4for Mercuryo+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+2.9
Published gapAfter score rounding and bounds — see the note below5754+3.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
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.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.
FactMercuryoTopper (Uphold)
PricingSnapshotMercuryo 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.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 fitSnapshoteurope, us, caus, ca, europe
From the published criteria
Which should you pick?
ME
Mercuryo
57#7 of 16
Leads
Pick it when
Pick Mercuryo if quote honesty matters most — it scores 4/10 to Topper (Uphold)'s 3/10 there (weight 26).
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.
TO
Topper (Uphold)
54#8 of 16
Pick it when
Topper (Uphold) leads Mercuryo 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
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?
MEMercuryoLeads
Choose Mercuryo if quote honesty matters most
Quote honesty: 4/10 against 3/10 for Topper (Uphold) (weight 26)
Named licence: 6/10 against 5/10 for Topper (Uphold) (weight 22)
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.
TOTopper (Uphold)
Topper (Uphold) leads Mercuryo 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
weight 8.2 of 86Tie
Mercuryo5/10 out of 10
Topper (Uphold)5/10 out of 10
Quote honesty
by 1 of 10weight 6.2 of 86Mercuryo leads
Mercuryo4/10 out of 10
Topper (Uphold)3/10 out of 10
Named licence
by 1 of 10weight 5.3 of 86Mercuryo leads
Mercuryo6/10 out of 10
Topper (Uphold)5/10 out of 10
KYC and speed
weight 4.3 of 86Tie
Mercuryo5/10 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
Mercuryo12/20Topper (Uphold)12/20
Tie
Published criteriaweight 30 of 86
Mercuryo11.9/30Topper (Uphold)10.8/30
Mercuryo leads
Frictionweight 10 of 86 · constant here
Mercuryo2.7/10Topper (Uphold)2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Mercuryo3.2/8Topper (Uphold)3.2/8
Tie
Measured dataweight 18 of 86
Mercuryo8.3/18Topper (Uphold)8.3/18
Tie
Decision rulePublished order
Choose Mercuryo unless the term Topper (Uphold) leads on is the one you are buying.
Topper (Uphold) leads Mercuryo 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% (Mercuryo 6/10, 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% (Mercuryo 4/10, 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% (Mercuryo 5/10, 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
Mercuryo scores 3 points above Topper (Uphold), led by quote honesty and named licence. Published scores, out of 100: Mercuryo 57 (rank 7 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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