Onramp.money vs Alchemy Pay Onramp.money leads by 9 points.
Onramp.money scores 9 points above Alchemy Pay, led by purchase cost and named licence. Onramp.money ranks #10 and Alchemy Pay #12 of 16 published onramps. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
Onramp.money51
vs
Alchemy Pay42
Scores are out of 100; published scores fall within 41–99 · ranks #10 and #12 of 16
Onramp.money scores 9 points above Alchemy Pay, led by purchase cost and named licence.
Onramp.money #10 of 1651
Alchemy Pay #12 of 1642
Scores are out of 100; published scores fall within 41–99; a bar is empty at 41 and full at 99.
Why, term by termOnramp.money leads on 2 of 4 published criteria; Alchemy Pay on 1. The terms sum to the gap.
TermOnramp.moneyAlchemy PayWeightPoints
Purchase cost5/101/108.2+8.5for Onramp.money+4.4 of 32
Named licence4/103/105.3+1.4for Onramp.money+0.7 of 32
KYC and speed5/106/104.3−1.1for Alchemy Pay−0.6 of 32
Net of the terms+8.7
Criteria roundingThe criteria block is rounded to whole points before it is spread+0.1
Reproduced gap+8.8
Published gapAfter score rounding and bounds — see the note below5142+9.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
Onramp.moneyScore 51UPI-native Indian fiat onramp (Buyhatke Internet Pvt Ltd, FIU-IND-listed) spanning ~30 live local rails from PIX to M-PESA — with a numeric per-rail fee table buried in integrator docs, an empty consumer /fees page, and a ToS that calls the displayed quote 'merely indicative'.Strength: All in purchase cost — 5/10Watch-out: The number on the widget is not the number you are owed: the Terms call the displayed quote 'merely indicative', make submitted transactions 'final and irreversible', never name a benchmark or a lock window — and if UPI captures your rupees and the coins do not land, the entire published recourse is an email address with no SLA, no refund policy, and no status page.Alchemy PayScore 42Hybrid fiat-crypto ramp with genuinely deep local-rail coverage (UPI, PIX, SPEI, African mobile money) and published numeric KYC tiers, but no public fee schedule anywhere, a licence story whose numbered registers (NMLS, AUSTRAC) belong to entities that are NOT the regional buyer's counterparty, and a sampled UPI all-in near 20%.Strength: Kyc friction time to coins — 6/10Watch-out: The widget will quote you a rate whose spread is never disclosed and can be enormous on exactly the rails this segment exists for — a sampled ₹22,153 UPI purchase delivered USDT at ₹111.9 apiece against the ₹95.79 interbank rate embedded in the same API response, a 19.7% all-in the buyer only discovers by doing the maths on the delivered amount — and if Alchemy Pay rejects your order after capture, clause 6.5 lets it charge you a processing fee to refund your own money.
Quick facts
At a glance
1 of 3 rows read the same for both.
FactOnramp.moneyAlchemy Pay
PricingSnapshotOnramp.money docs "Payment Gateway Fees" (https://docs.onramp.money/onramp/supported-assets-and-fiat/payment-gateway-fees), fetched 29 September 2026, HTTP 200, unchanged from 18 August 2026. Onramp (pay-in) payment-gateway fees: INR UPI "0.77" (no unit printed); BRL PIX "0.12%"; MXN SPEI "0.65%"; NGN bank transfer "2% capped at 1K NGN"; EUR "OpenBanking and Manual Bank Transfer via SEPA" "1 EUR til 201 then 0.5%". The platform's own fee appears only as a sample in the onramp Quotes API reference ("onrampFee":0.5, described as the "fee charged by onramp in pct"). No spread over any named benchmark is disclosed, and the consumer page https://onramp.money/fees still renders no fee text (29 September 2026). Worked example (our arithmetic, not an Onramp.money figure): a EUR 200 SEPA purchase carries the flat EUR 1.00 gateway fee (EUR 200 is under the 201 threshold) plus a platform fee that the API sample puts at 0.5 percent (EUR 1.00), before the unquantified spread and the network fee.No fee schedule is published. The Alchemy Pay docs page "Fiat currencies, Payment Method Coverages plus Other Details" (https://alchemypay.readme.io/docs/fiat-currency-country-payment-method-coverage-plus-fees-and-limits.md, updatedAt 21 November 2025), fetched 29 September 2026, HTTP 200, links a Notion table "On-Ramp Payment Methods" whose columns (processing time, KYC countries, currencies, KYC level, pay-way code, method type, minimum, maximum and daily limits, documents) include no fee column (read through the Notion API on 29 September 2026). The Crypto Ramp Terms ("Last updated: Dec 25, 2025") say only "9.1 All fees payable under this Agreement are displayed during the purchase flow", and the marketing page says "Your users will appreciate the lowest fees in the industry." Sampled from Alchemy Pay's public quote API on 29 September 2026 (not published prices): a card quote for 200 euros carried a ramp fee of 4.19 percent and delivered about 4.3 percent less USDT than the USD rate in the same response; a Pix quote for 1,206 reais carried a 2.67 percent ramp fee and about 4.5 percent all-in; a UPI quote returned no data that day.
Asset coverageEditorial——
Region fitSnapshotasia, latam, africaeurope, asia, latam
From the published criteria
Which should you pick?
Onramp.money
51#10 of 16
Leads
Pick it when
Pick Onramp.money if purchase cost matters most — it scores 5/10 to Alchemy Pay's 1/10 there (weight 34).
Strength
All in purchase cost — 5/10
Tradeoff
The number on the widget is not the number you are owed: the Terms call the displayed quote 'merely indicative', make submitted transactions 'final and irreversible', never name a benchmark or a lock window — and if UPI captures your rupees and the coins do not land, the entire published recourse is an email address with no SLA, no refund policy, and no status page.
Alchemy Pay
42#12 of 16
Pick it when
Pick Alchemy Pay if KYC and speed matters most — it scores 6/10 to Onramp.money's 5/10 there (weight 18).
Strength
Kyc friction time to coins — 6/10
Tradeoff
The widget will quote you a rate whose spread is never disclosed and can be enormous on exactly the rails this segment exists for — a sampled ₹22,153 UPI purchase delivered USDT at ₹111.9 apiece against the ₹95.79 interbank rate embedded in the same API response, a 19.7% all-in the buyer only discovers by doing the maths on the delivered amount — and if Alchemy Pay rejects your order after capture, clause 6.5 lets it charge you a processing fee to refund your own money.
Self-identify in 10 seconds
Which one is actually for you?
Onramp.moneyLeads
Choose Onramp.money if purchase cost matters most
Purchase cost: 5/10 against 1/10 for Alchemy Pay (weight 34)
Named licence: 4/10 against 3/10 for Alchemy Pay (weight 22)
Onramp.moneyScore 51UPI-native Indian fiat onramp (Buyhatke Internet Pvt Ltd, FIU-IND-listed) spanning ~30 live local rails from PIX to M-PESA — with a numeric per-rail fee table buried in integrator docs, an empty consumer /fees page, and a ToS that calls the displayed quote 'merely indicative'.Strength: All in purchase cost — 5/10Watch-out: The number on the widget is not the number you are owed: the Terms call the displayed quote 'merely indicative', make submitted transactions 'final and irreversible', never name a benchmark or a lock window — and if UPI captures your rupees and the coins do not land, the entire published recourse is an email address with no SLA, no refund policy, and no status page.
Alchemy Pay
Choose Alchemy Pay if KYC and speed matters most
KYC and speed: 6/10 against 5/10 for Onramp.money (weight 18)
Alchemy PayScore 42Hybrid fiat-crypto ramp with genuinely deep local-rail coverage (UPI, PIX, SPEI, African mobile money) and published numeric KYC tiers, but no public fee schedule anywhere, a licence story whose numbered registers (NMLS, AUSTRAC) belong to entities that are NOT the regional buyer's counterparty, and a sampled UPI all-in near 20%.Strength: Kyc friction time to coins — 6/10Watch-out: The widget will quote you a rate whose spread is never disclosed and can be enormous on exactly the rails this segment exists for — a sampled ₹22,153 UPI purchase delivered USDT at ₹111.9 apiece against the ₹95.79 interbank rate embedded in the same API response, a 19.7% all-in the buyer only discovers by doing the maths on the delivered amount — and if Alchemy Pay rejects your order after capture, clause 6.5 lets it charge you a processing fee to refund your own money.
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 4 of 10weight 8.2 of 86Onramp.money leads
Onramp.money5/10 out of 10
Alchemy Pay1/10 out of 10
Quote honesty
weight 6.2 of 86Tie
Onramp.money2/10 out of 10
Alchemy Pay2/10 out of 10
Named licence
by 1 of 10weight 5.3 of 86Onramp.money leads
Onramp.money4/10 out of 10
Alchemy Pay3/10 out of 10
KYC and speed
by 1 of 10weight 4.3 of 86Alchemy Pay leads
Onramp.money5/10 out of 10
Alchemy Pay6/10 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
Onramp.money12/20Alchemy Pay12/20
Tie
Published criteriaweight 30 of 86
Onramp.money9.6/30Alchemy Pay6.2/30
Onramp.money leads
Frictionweight 10 of 86 · constant here
Onramp.money2.7/10Alchemy Pay2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Onramp.money3.2/8Alchemy Pay3.2/8
Tie
Measured dataweight 18 of 86
Onramp.money8.3/18Alchemy Pay8.3/18
Tie
Decision rulePublished order
Choose Onramp.money unless the term Alchemy Pay leads on is the one you are buying.
Pick Alchemy Pay if KYC and speed matters most — it scores 6/10 to Onramp.money's 5/10 there (weight 18).
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% (Onramp.money 4/10, Alchemy Pay 3/10)
Execution failure: you get a worse price, later, or nothing.
Scored by Is the number on the widget the number that settles? · 26% (Onramp.money 2/10, Alchemy Pay 2/10)
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% (Onramp.money 5/10, Alchemy Pay 6/10)
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
Onramp.money scores 9 points above Alchemy Pay, led by purchase cost and named licence. Published scores, out of 100: Onramp.money 51 (rank 10 of 16 onramps), Alchemy Pay 42 (rank 12 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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