10 Best Ramp Alternatives in India (2026) – Secure & Fast Fiat-to-Crypto

The Best Ramp Alternatives in India that provide consumers and companies with dependable fiat-to-crypto services will be covered in this post. Selecting the best option becomes crucial as banking support and rules continue to evolve.

This list identifies reliable international and Indian platforms that provide improved INR support, UPI access, quicker payouts, and adaptable cryptocurrency payment options.

Introduction Ramp Alternatives

Ramp alternatives are on-ramp and off-ramp cryptocurrency platforms that give Indian consumers dependable ways to purchase, sell, and accept bitcoin without depending entirely on Ramp.

These options, which support numerous cryptocurrencies and stablecoins, allow for easy INR deposits and withdrawals via UPI, bank transfers, or IMPS. Faster settlements, reduced transaction costs, and adherence to Indian KYC and AML laws are their main priorities.

Many also provide dashboards, APIs, and merchant tools so that companies can safely accept cryptocurrency payments.

Indian customers and merchants can benefit from improved local support, increased security, flexible payment methods, and a more seamless fiat-to-crypto experience by utilizing Ramp alternatives.

Why Do Indian Users Need Alternatives To Ramp?

Minor Collaboration with Indian Banks: Ramp does not always work with Indian banks, which makes it difficult to deposit and withdraw in Indian Rupees (INR).

Lack of Full UPI Support: Ramp does not support UPI, which is commonly used by Indian users.

Lack of Custom Local Crypto On Ramps: The on-the-fly crypto regulations in India create a need for a custom local compliant on ramp.

Payment Processing Issues: Users encounter payment failures and/or delays due to the restrictions with cross-border payment processing.

Longer Processing Times: Overseas on-ramps can take longer to complete the processing of converting currency to Indian Rupees (INR).

Excessive Transaction Costs: The overall transaction cost can be increased due to international processing and foreign exchange (FX) fees.

Niche of the Indian Market: Indian merchants need payment processors that are tailored for the Indian payment and consumer market.

Increased Reliance Risk: Increased reliance on one global on-ramp payment processor can create a higher risk for service disruptions during changes to banking policies.

Benefits of Using Ramp Alternatives for Indian Crypto Users

Easy INR Transactions – Easy deposit and withdrawal ability through UPI, bank transfer and IMPS.

Lower Transaction Costs – Several alternatives are able to provide lower fees than international service providers such as Ramp.

Faster Settlements – Instant or almost instant crypto-to-INR conversions settle and trade.

Regulatory Compliance – Users are automatically routed through applicable KYC and AML procedures in India.

Multi-Cryptocurrency Access – Users can trade multiple currencies, and can trade multiple stable coins.

Improved Safety – Enhanced encryption, fraud detection and firevaults.

Merchants Apt Tools – Crypto payment acceptance made easy through APIs, dashboards and plugins.

249 – Response times are often shorter due to all support being Indian.

Easy to Use Designs – UI/UX renders are made for first timers and beginners.

Designed for Growth – Gateways are designed for nd surges in transaction volume.

Best Ramp Alternatives in India Points

• BitPay (Global): Enterprise-grade crypto payment gateway supporting multiple cryptocurrencies with secure global settlements.
• MoonPay: Popular fiat-to-crypto on-ramp with UPI, cards, and fast KYC for Indian users.
• Giottus Fiat Gateway: India-focused gateway offering INR deposits, quick onboarding, and local exchange liquidity.
• BuyUCoin Gateway: Trusted Indian platform enabling seamless INR-to-crypto payments for merchants.
• Unocoin Merchant Gateway: Bitcoin-centric merchant solution with INR support and compliant KYC processes.
• Flitpay Fiat Gateway: Simple crypto payment gateway with UPI integration and competitive transaction fees.
• Cashfree Crypto Gateway: Reliable Indian payment processor enabling smooth INR crypto collections via UPI and net banking.
• KoinBX Fiat Gateway: Secure INR on-ramp with fast settlements and merchant-friendly APIs.
• PayBito Merchant Gateway: Advanced crypto payment solution offering multi-currency support and high security.
• Paxful India (P2P): Peer-to-peer crypto marketplace allowing direct INR trades via multiple local payment methods.

10 Best Ramp Alternatives in India

1. BitPay (Global)

BitPay (Global) is one of the best Ramp alternatives for crypto payment infrastructure and services in India. It is one of the most reliable and enterprise-ready services in the world.

Unlike many other local only on ramps, BitPay supports multiple digital currencies, stablecoins and frictionless cross-border transactions, making it perfect for Indian companies dealing with overseas clients.

Payment friction and volatility risks are minimized due to the strong security frame, and transparency on lowered fees and simplification of their advanced merchant tools.

Indian merchants gain more flexibility, scalability, and ultimately operational stability with BitPay’s faster crypto acceptance without depending on a single fiat channel.

BitPay (Global) Features , Pros & Cons

Features

• Multiple crypto variations including BTC, ETH, and stablecoins
• E-commerce integrations and merchant API
• Instant conversion of crypto to fiat
• Multi-signature wallets for high security
• Payment tracking and invoicing

Pros

• Renowned brand globally
• Seamless merchant integrations
• Quick settlement of transactions
• Robust security and regulatory compliance
• Variety in payment option

Cons

• Limited direct INR compliance
• Elevated card transaction cost
• Less focus on India
• Possible advanced technical knowledge for some features
• Less varieties of tokens to trade with compared to some exchanges

2. MoonPay

MoonPay is popular Ramp alternatives in India because of its seamless and easy onboarding process that provides both users and businesses with access to fiat to crypto transactions.

Customers in India can buy cryptos easily and at any instant because of MoonPay’s high support for UPI, debit and credit cards. MoonPay is great for new and older businesses because of its fast KYC, extensive crypto coverage, and worldwide regulations.

With instant crypto transactions, MoonPay offers its Indian clients reliability, speed and trust in any market situation thanks to the service’s high success rate in transactions and scalable API.

MoonPay Features, Pros & Cons

Features

• On-ramp for a diverse range of fiat to crypto
• Major cryptocurrencies, along with stablecoins, supported
• Simple interface for instant purchases
• API available for wallets and apps
• Secure payment options: card or bank transfer

Pros

• User-friendly for beginners
• Transactions are processed rapidly
• Domestic and global adoption is high
• Wide range of payment options available
• Good compliance and security

Cons

• Limited direct INR support
• Elevated card transaction cost
• Not focused on the India Market
• Lacking some features regarding merchants
• Limited for a lot of features expected in larger exchanges

3. Giottus Fiat Gateway

Giottus Fiat Gateway is another good Ramp substitute in India as it is built to cater to INR-based crypto transactions and local regulatory requirements.

The platform allows for easy deposit and withdrawal of funds in INR, allowing Indian users and merchants to crypto payment easily without depending on overseas on-ramps.

Giottus is known for account verification in minutes, ease of processing, and liquidity focused on the Indian markets.

With a user-friendly platform and efficient customer service, they suffer from minimal payment failures and with local banking, they provide a fast and reliable service, making themselves a great option for crypto businesses in India.

Giottus Fiat Gateway Features, Pros & Cons

Features

• Withdrawals and deposits in INR process instantly.
• Supports multiple cryptocurrencies.
• Dashboard for merchants is simple.
• Fast KYC verification.
• Updates on transactions in real time.

Pros

• Friendly to users in India.
• Transaction fees are low.
• Support is provided quickly.
• Processing is done quickly.
• Interface is easy to use.

Cons

• Does not operate internationally to a large extent.
• Catalog of crypto is smaller.
• Analytics provided are basic.
• Limited integrations.
• Focus on enterprises is lacking.

4. BuyUCoin Gateway

BuyUCoin is known to be the best Ramp alternatives to crypto payment gateways because of the reputation and trust of the crypto payment ecosystem developed locally and the ease of use for people in India.

The gateway provides seamless conversions of fiat to crypto and supports UPI banking making it very easy for merchants to onboard crypto.

Reliability comes from their compliance and processing of transactions and the experience they have in the Indian ecosystem. The fast crypto payment settlement and better liquidity is very important for Indian companies. And so the fast domestic user base of BuyUCoin is very beneficial.

BuyUCoin Gateway Features , Pros & Cons

Features

• Settlements can be done in INR.
• Supports multiple cryptocurrencies.
• API and dashboard for merchants.
• Solutions for secure custody.
• Tracking of transactions and payouts.

Pros

• Platform aimed at users in India.
• Fees are competitive.
• Monitoring is provided in real time.
• Integration is simple.
• Processing of payouts is done quickly.

Cons

• Coverage of the globe is limited.
• Tools for exchange are basic.
• Ecosystem of merchants is smaller.
• Fewer features that are advanced.
• Liquidity is average.

5. Unocoin Merchant Gateway

Unocoin Merchant Gateway’s crypto payment acceptance systems have become one of the most popular Ramp alternatives in India because they have targetted bitcoin payments first. It was built for Indian merchants.

They can now accept crypto and get INR settlements, thus easing NVOL risk. The long presence of Unocoin in the Indian crypto space provides an additional layer of reputation and trust, especially for the crypto compliant businesses.

Unocoin is well suited for merchants because seamless payment systems integrations and proper tracking tools allow service localization in India.

Unocoin Merchant Gateway Features , Pros & Cons

Features

• Accepts payments in crypto.
• INR conversion is available.
• Compliance with KYC and regulations.
• Processing of transactions is secure.
• Payments can be tracked on a dashboard.

Pros

• Support for INR is strong.
• Onboarding for merchants is easy.
• Payouts are reliable.
• Support is available from India.
• Platform is secure.

Cons

• Limited list of tokens.
• Global platforms offer more features.
• API options are fewer.
• Does not operate internationally to a large extent.
• Not aimed at enterprises.

6. Flitpay Fiat Gateway

Flitpay Fiat Gateway is regarded as one of the best Ramp competitors as it offers a simple and seamless cross over from INR to crypto and vice versa. It’s user friendly and allows merchants and end users to crypto transact over the system without any technical expertise.

Supporting UPI and local banking channels improves the success of the transactions and lowers the settlement lag.

The emphasis on transparency, relational customer service, and payment flows from in country to out make it a good fit for smaller and medium businesses wanting to integrate crypto payment options with low operational friction and reliable local service.

Flitpay Fiat Gateway Features , Pros & Cons

Features

• Ability to support a variety of cryptocurrencies
• INR off-ramping and on-ramping
• Merchant APIs along with a Merchant Dashboard
• Secure infrastructure
• Fast and secure payment settlement

Pros

• Minimal fees
• Speed of transactions
• User friendly
• Focus on India
• Secure system

Cons

• Small user base
• Analytics is not very robust
• Less potential for automations
• Less popular globally
• Limited to basic functionality

7. Cashfree Crypto Gateway

Cashfree Crypto Gateway has built a reputation as the top Ramp competitor in India due to the unique combination of trusted payment infrastructure and crypto-friendly collections.

As one of the more dependable processors of high volume INR transactions, Cashfree facilitates crypto payments via UPI, net banking, and other local payment alternatives.

Robust APIs, quick settlement times, and high conversations are the reasons more and more businesses are added to the Cashfree network for fiat payments.

Cashfree streamlines the integration of crypto on-ramps for Indian businesses, enabling payment success and stable operational flows, while maintaining a consistent compliance environment.

Cashfree Crypto Gateway Features , Pros & Cons

Features

• Payment via crypto/ fiat supporting
• Settlement in INR via UPI/ bank
• Merchant APIs along with plugins
• Automated payout distribution
• Analytics and reporting

Pros

• Rapid settlement in INR
• Enterprise level of security
• Minimal payment of fees
• Good for developers
• Good system for payment at high capacity

Cons

• Crypto support is restricted
• More technical skill required to setup
• Not focused on crypto alone
• Variable support
• Limited payment functionality for certain advanced features

8. KoinBX Fiat Gateway

KoinBX Fiat Gateway works with Ramp too, but due to its focus on international and instant, secure, and locally optimized INR-to-crypto transactions, KoinBX happens to be the way in which Fintoch clients will be able to on-ramp crypto.

KoinBX’s focus is on fast settlements, and this is visible in their UPI and bank transfer options which help merchants reduce onboarding friction and delays in payment settlements.

KoinBX’s presence in the Indian crypto market is strong, and is able to provide access to Indian liquidity while working within the regulatory frameworks. These luck factors and avoiding cross-border dependence makes KoinBX a top option for Indian businesses.

KoinBX Fiat Gateway Features , Pros & Cons

Features

• Multi token payment
• Instant settlements of INR
• Merchant APIs and Dashboards
• Transaction Monitoring
• KYC/AML compliant security

Pros

• Focus on India
• Low pricing of services
• Simple Integrations
• Rapid transaction Processing
• Ideal for smaller enterprises

Cons

• Smaller ecosystem
• Less number of tokens
• Less Integrations
• Fewer advanced features
• Low global footprint

9. PayBito Merchant Gateway

PayBito Merchant Gateway is one of the best Ramp competitors in India because of its custom-built crypto payment solution which is secure, scalable, and flexible.

PayBito’s platform allows merchants to accept and manage multiple cryptocurrency settlements at the same time, making it ideal for businesses that cater to Indian and foreign customers.

PayBito provides advanced merchant tools that enhance operational efficiencies. Risk compliance and user ease at checkout help Indian businesses diversify crypto acceptance without being tied to a single fiat on-ramp system.

PayBito Merchant Gateway Features , Pros & Cons

Features

• Global and INR cryptocurrency transactions
• Support for multiple tokens
• Dashboards and analytics in real-time
• Merchant API facilitation
• Secure transactions

Pros

• Worldwide and India support
• Reasonable fees
• Prompt setup
• Various payment methods available
• Nice dashboard

Cons

• Smaller merchant network in India
• Support might differ based on staff
• Some features aren’t available on a local level
• Limits on transactions
• Less known than the other gateways

10. Paxful India (P2P)

Paxful India (P2P) serves as one of the strongest Ramp competitors in the Indian market as it eliminates the reliance of businesses and customers having to deal with traditional on-ramp infrastructures by offering direct peer-to-peer cryptocurrency trades.

Indian customers are able to purchase and sell cryptocurrency in a variety of local instantaneous payment methods such as UPI and bank transfers which allows them to have on-ramp flexibility.

The escrow service that Paxful provides diminishes the counterparty risk whereby it allows trades to be more secure. The model gives more economical options to the customers in need of cryptocurrency and financial access, hence making it an optimal service provider for numerous businesses and customers.

Paxful strengthens inclusion and fast access of the universal crypto currencies with more choices of payment as to how the cryptocurrencies to be converted and the currencies deposited in the digitally controlled wallets.

Paxful India (P2P) Features , Pros & Cons

Features

• Crypto as a peer-to-peer marketplace
• INR-to-crypto transactions on platform
• Various payment methods available (UPI, bank transfer)
• Escrow protection for transactions for both buyers & sellers
• No fees for transactions from central authority

Pros

• Unfettered Peer-to-Peer trading
• Supports INR directly
• Transaction fees are very low
• Escrow for safe trades
• Designed for beginners

Cons

• The user needs to trust the seller
• Merchant tools are few
• Gateway integration lag
• Less liquidity on some tokens
• Designed for the individual user not enterprises

Secure and Low-Fee Ramp Alternatives for Indian

BitPay (Global) – Trusted platform with good security, multi-sig wallets, and excess of cryptocurrencies, which also incur moderate transaction fees overseas.

MoonPay – User-friendly on ramp with secure payment processes and instant crypto payments. They also have transparent fees.

Giottus Fiat Gateway – Indian-centric, quick deposit of INR, low fees, and good KYC.

BuyUCoin Gateway – Low-cost crypto-to-INR transactions, secure custody of funds, and simple integration for merchants.

Unocoin Merchant Gateway – Very good integration with INR and has strong compliance with regulation, secure transactions, and low fees.

Flitpay Fiat Gateway – Low-cost, quick to settle, stable multi-chain crypto support, and strong securi. infrastructure.

Cashfree Crypto Gateway – Good security, automated payouts, quick settlements of INR, and good APIs for developers.

KoinBX Fiat Gateway – Quick access to crypto, low fees, strong KYC, and focus on India.

PayBito Merchant Gateway – Good security, low fees, and also supports INR, which is rare.

Paxful India (P2P) – Low fees, very secure, and direct trades in INR.

Risk & Considerations

Regulatory Risks – The changing regulations for crypto in India may impact your ability to deposit, withdraw and operate crypto.

Price Volatility – The value of cryptocurrencies can swing dramatically and affect settlement timing as well as profit for the merchant.

Platform Security – Risk of hacking, phishing or inadequate wallet protection always exist. Choose to use platforms with the strongest security.

Transaction Delays – There can be delays in settlement of bank or UPI which can affect your cash flow.

Limited Liquidity – There can be fewer buyers and sellers on the platforms or P2P exchanges which can result in slower transactions.

Hidden Fees – be on the lookout for fees related to conversion, withdrawal, and network fees.

KYC/AML Compliance – Requirements for strict compliance can result in constraints on the volume of transactions and access.

Technical Challenges – There can be a steep learning curve in terms of technical capabilities for API integration, use of dashboards, or wallet set up.

Fraud Risk – There can be a lack of trust with transactions made on P2P platforms with unrelated or unknown parties.

Platform Reliability – There may be outages or downtime of the system which can prevent some transactions and payments.

Conclusion

Ramp’s alternatives in India depend on your use case, target users, and payment flexibility needs. For international reach and scalability, BitPay and MoonPay are great. For easier INR payment processing and local compliance, use Indian gateways like Giottus, BuyUCoin, Unocoin, Flitpay, Cashfree, and KoinBX. PayBito’s multi crypto merchant support is great,

while Paxful offers extra redundancy with its P2P model. Collectively, these alternatives create more payment reliability and continuity, allowing businesses and individuals in India to access crypto onboarding more easily pinpointing on financial onboarding challenges.

FAQ