Onramp.money vs Topper (Uphold) Topper (Uphold) leads by 3 points.
Topper (Uphold) scores 3 points above Onramp.money, led by quote honesty and named licence. Onramp.money ranks #10 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.
Onramp.money51
vs
TOTopper (Uphold)54
Scores are out of 100; published scores fall within 41–99 · ranks #10 and #8 of 16
Topper (Uphold) scores 3 points above Onramp.money, led by quote honesty and named licence.
Onramp.money #10 of 1651
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 termTopper (Uphold) leads on 2 of 4 published criteria; Onramp.money on 0. The terms sum to the gap.
TermTopper (Uphold)Onramp.moneyWeightPoints
Quote honesty3/102/106.2+1.6for Topper (Uphold)+0.8 of 32
Named licence5/104/105.3+1.4for Topper (Uphold)+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 below5451+3.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
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.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.
Quick facts
At a glance
1 of 3 rows read the same for both.
FactOnramp.moneyTopper (Uphold)
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.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 fitSnapshotasia, latam, africaus, ca, europe
From the published criteria
Which should you pick?
Onramp.money
51#10 of 16
Pick it when
Onramp.money leads Topper (Uphold) 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 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.
TO
Topper (Uphold)
54#8 of 16
Leads
Pick it when
Pick Topper (Uphold) if quote honesty matters most — it scores 3/10 to Onramp.money's 2/10 there (weight 26).
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?
Onramp.money
Onramp.money leads Topper (Uphold) on no published criterion
Choose it only if something outside the published criteria decides for you — your country, a funding rail, or custody.
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.
TOTopper (Uphold)Leads
Choose Topper (Uphold) if quote honesty matters most
Quote honesty: 3/10 against 2/10 for Onramp.money (weight 26)
Named licence: 5/10 against 4/10 for Onramp.money (weight 22)
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
Onramp.money5/10 out of 10
Topper (Uphold)5/10 out of 10
Quote honesty
by 1 of 10weight 6.2 of 86Topper (Uphold) leads
Onramp.money2/10 out of 10
Topper (Uphold)3/10 out of 10
Named licence
by 1 of 10weight 5.3 of 86Topper (Uphold) leads
Onramp.money4/10 out of 10
Topper (Uphold)5/10 out of 10
KYC and speed
weight 4.3 of 86Tie
Onramp.money5/10 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
Onramp.money12/20Topper (Uphold)12/20
Tie
Published criteriaweight 30 of 86
Onramp.money9.6/30Topper (Uphold)10.8/30
Topper (Uphold) leads
Frictionweight 10 of 86 · constant here
Onramp.money2.7/10Topper (Uphold)2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Onramp.money3.2/8Topper (Uphold)3.2/8
Tie
Measured dataweight 18 of 86
Onramp.money8.3/18Topper (Uphold)8.3/18
Tie
Decision rulePublished order
Choose Topper (Uphold) unless the term Onramp.money leads on is the one you are buying.
Onramp.money leads Topper (Uphold) 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% (Onramp.money 4/10, 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% (Onramp.money 2/10, 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% (Onramp.money 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
Topper (Uphold) scores 3 points above Onramp.money, led by quote honesty and named licence. Published scores, out of 100: Onramp.money 51 (rank 10 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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