PayRam, the self-hosted non-custodial crypto payment gateway, has rolled out a card-to-crypto onramp that lets merchants accept credit cards, debit cards, Apple Pay, Google Pay, bank transfers, and 175+ local and regional payment methods across 190+ countries, with USDC settlement on Base directly to self-custody wallets, no setup fees, and no waiting period.
PayRam merchants can now accept the payment methods their customers actually use. The card-to-crypto onramp is live globally, covering credit cards, debit cards, Apple Pay, Google Pay, bank transfers, and 175+ local payment methods across 190+ countries, with every transaction settling in USDC on Base directly into the merchant’s own wallet. No third party is involved in holding or moving the funds. The onramp is the first step in a broader multi-chain settlement rollout, with additional chains and tokens coming soon.
For any merchant looking to accept crypto payments, the card-to-crypto onramp removes the last remaining reason a customer might abandon checkout. Chainalysis data shows that USD alone drove over $2.4 trillion in fiat onramp volume in the 12 months to June 2025. The merchants who offer a card-native path to onchain settlement are directly positioned to convert customers who are ready to pay but currently unable to without a wallet. PayRam’s onramp closes that gap.
What is PayRam Card-to-Crypto Onramp?
The card-to-crypto onramp is built directly into the PayRam self-hosted payment gateway. It sits at the intersection of three converging trends: crypto becoming mainstream, stablecoins replacing traditional fiat rails for everyday payments, and merchant demand for card accessibility without giving up control of their funds.
Unlike standalone onramp widgets that bolt into third-party platforms, PayRam’s onramp shares the same dashboard, settlement layer, and project management system as the broader PayRam gateway. Merchants who already use PayRam for crypto payments activate card acceptance from the same settings page they use for everything else. PayRam deploys on a merchant’s own server in under 10 minutes. Enabling the card-to-crypto onramp after that is a single button click from the Dashboard. Base was selected as the launch network for its low fees and fast finality, with expansion to additional chains in active development.
How the Card-to-Crypto Payment Flow Works
Customer selects card payment at checkout on a PayRam-powered storefront
Customer creates a PayRam Wallet instantly using their email address, or logs into their existing one
Customer funds the wallet through a regulated third-party onramp partner using a credit card, debit card, Apple Pay, Google Pay, bank transfer, or supported local payment method
USDC is deposited directly into the customer’s self-custody PayRam Wallet on Base
Customer completes the payment to the merchant onchain in one click
Merchant receives USDC settlement instantly to their own wallet
The customer does not just pay. They leave with a self-custody wallet they own and can use for any onchain purpose. The merchant receives settlement directly in USDC, with no intermediary at any point.
The PayRam Non-custodial Wallet
The PayRam Wallet is a self-custody crypto wallet customers create at checkout using just their email address. It is automatically generated on first use and functions as a standard crypto wallet. Customers hold their own private keys, can send and receive tokens, interact with dApps, and use it across the broader onchain ecosystem. It is not tied to PayRam or any single merchant. It belongs to the customer from the moment it is created, and can be used for storing, managing, and transferring digital assets well beyond the transaction that created it.
A Checkout Built for Speed, on Both Sides
Merchants activate card payments in one click from the PayRam Dashboard, with no waiting period, no integration build, and no compliance paperwork before going live. On the customer side, a first-time buyer completes a quick verification check through PayRam’s regulated third-party onramp partner. Every purchase after that is frictionless.
Siddharth Menon, founder of PayRam and former Co-founder of WazirX, said “Online card payments are broken and follow traditional rules that were never built for global commerce. We need more inclusion, not more exclusion. Merchants are genuinely surprised they can accept card payments without a signup or KYB. It feels like a magical experience. That is exactly what permissionless commerce should feel like.”
Available to Any Merchant, Any Vertical
Crypto merchants lose customers at checkout every day for one reason: the customer wants to pay, but does not have a crypto wallet. Card processors that could solve this either require merchants to complete lengthy compliance applications before going live, hold funds in custody, impose rolling reserves, or shut down accounts in high-growth categories without notice.
PayRam’s onramp is built for any merchant who has run into those walls. E-commerce stores, digital goods platforms, marketplaces, subscription businesses, charities, and developer-built products can activate card payments without approvals, without custody risk, and without locking up working capital in rolling reserves.
PayRam also supports fully agentic deployment. An AI agent can set up a complete PayRam payment gateway headlessly from scratch, configuring the entire stack without any human involvement. Once live, agents can connect via the PayRam MCP server at mcp.payram.com and spin up payment links that accept card payments, bank transfers, and 175+ other payment methods through PayRam’s headless APIs. Any MCP-compatible agent, including Claude and Copilot, can go from zero to live payment links in a single session.
PayRam has processed over $100 million in onchain payment volume and supports more than 100 active merchants worldwide across Ethereum, Base, Polygon, Tron, and Bitcoin.
