Why One Card Provider Isn't Enough: Routing Payments Across 20 On-Ramps

"We accept card payments" can mean very different things. With card-to-crypto checkout, whether a specific customer can pay depends on which on-ramp you offer them — and no single provider works everywhere.

Where providers differ

• Country. Each on-ramp is licensed and available in a different set of countries. Some serve the US but not most of Asia; others are strong in Europe and Latin America.
• Card type. Some issuers decline crypto purchases; some providers accept only certain card networks.
• Currency. Some providers support local currencies, others only USD or EUR.
• Amount. Minimums range roughly from $5 to $30; some have lower limits for first-time buyers.
• Verification. Some ask for ID on the first purchase, others only above a threshold.

What routing does

Vulta checks the payer's country, currency and amount, and offers only providers that should work for that payment. Merchants on Max can also set preferred providers per link.

Today Vulta routes across providers including Stripe, PayPal, Coinbase, Robinhood, Revolut, Binance, Banxa, Blockchain.com, Transak, Topper, iDEAL in the Netherlands, Interac in Canada and UPI for India, with country coverage measured against the live provider network.

What it means for you

• More of your customers see a method that works for them.
• Customers in thin-coverage countries are warned up front instead of failing silently.
• You don't need contracts with each provider.

Testing tip

Because routing depends on the payer's location, test from the country your customers are in. A test from a country with few providers says little about your customers elsewhere.

Learn more on the card payments page or, if you run a gateway, the payment providers page.

Frequently asked questions

Can I choose which providers my customers see?

Max merchants can set preferred providers for their account or for each link. By default Vulta picks providers that fit the payer's country and amount.

How does Vulta know which providers work in which country?

Coverage is measured against the live provider network across all countries and kept in Vulta's provider catalog, alongside each provider's minimums.

Why might a provider be available but still decline?

Issuing banks sometimes block crypto purchases, or the provider's own checks may fail. Another provider or another card often works.

Do different providers settle differently?

Most settle USDC on Polygon. A few send a different asset or network to the same address, such as POL on Polygon or USDC on Ethereum.