Fiat to crypto onramp (turnkey API) - BTC Direct Fiat gateway

Fiat onramp

Fully integrable fiat-to-crypto and crypto-to-fiat gateway (API)

Ever since 2013 we have been operating as an established and well-trusted European cryptocurrency platform. We offer the possibility to integrate our fiat-to-crypto onramp and crypto-to-fiat offramp into third party exchanges and wallet services.

Our turnkey API enables your users to buy and sell crypto the way they prefer, without ever leaving your platform. With zero chargebacks, payments are guaranteed. We take care of all KYC and AML requirements, so you can focus on your core business.

Sounds cool?
Let's get in touch!

Don't trust, verify

"BTC Direct is the main partner chosen by European users, because it's specifically tailored to users with euro bank accounts. It's the simplicity offered by BTC Direct's varied payment offerings that makes us especially happy to announce this partnership."

Check TREZOR integration


"We are happy to form a partnership with BTC Direct to provide European users with a faster, easier and safer purchase expierience, using local payment methods"


Check Coinomi integration

Tailored for the European market

Multiple payments

For instance: 93% of Dutch online shoppers settles via iDEAL regularly

  • VISA
  • Mastercard
  • Bank Transfer
  • iDEAL
  • Bancontact
  • Sofort Banking
  • EPS
  • Giropay


Both user experience and integrated customer support are fully native

  • Englisch
  • French
  • German
  • Spanish
  • Dutch
  • Portuguese
  • More languages will follow...

Multiple coins

Buying and selling coins instantly: a first purchase will only take up to 2 minutes

  • Bitcoin
  • Ethereum
  • Litecoin
  • Ripple
  • Bitcoin cash
  • More coins will follow...

We are able to offer all kinds of local payment methods that are being used in geo specific parts of Europe very often, as well as traditional methods such as bank transfer or credit card. Our API is the only fiat onramp and offramp offering such payment methods as well as the only service offering multilingual UX and customer support. Therefore it is safe to say that this is the most comprehensive fiat gateway for the entire European region.

Most competitive fees

With a 1.5% B2B trade fee and very sharp payment method fees, we certanly offer the most competitive commissions in the crypto industry. This allows you to easily add an extra 1-2% on top and still offer very competitive fees. We don’t charge a minimum fee and your users can buy or sell for as low as 30 euros.

Fiat to crypto fee
Payment fee
Trade fee
All in fee
•  Bank transfer
•  Credit card
•  iDEAL
•  Bancontact
•  Giropay
•  EPS
•  Sofort banking
Crypto to fiat fee
•  Bank transfer


Let the code do the talking

Do you want to review our API? Go ahead and check out the Documentation! It is interactive, so you can test the various endpoints the API contains as well. If you prefer a live demo of the internal sandbox, just let us know.

API documentation



Now let's grab a coffee

Davy Stevens
Toon Schraven
Head of BizDev Head of MarCom
[email protected] [email protected]
E-mail Davy E-mail Toon

Still got questions?

•  Business development

Over the past 7 years we’ve specialized in the European region, which means that we currently support al the 33 SEPA countries. Because of that focus and experience, we can safely say that we offer the number one fiat gateway for the entire European cryptomarket. That being said: we expect to serve other parts of the world somewhere in Q4.

Yes. It is possible to both buy and sell cryptocurrencies.

BTC Direct will pay out on a monthly basis. We have no minimum or maximum amount for paying you out.

We deliver from out of our own stock so we can offer instant coin delivery to the end users. Therefore a transaction will take no longer than a maximum of 10 minutes for altcoins and 15 minutes for bitcoin.

The minimum amount is 30 euros. The maximum amount is 10K on a daily basis.

•  Legal & compliance
Ofcourse we are willing to white label our solution as much as legally possible. This means that you are free to adjust the flow to your own color palette, brand font and logo where this is legally applicable.

In the entire region that we serve it is required to have a KYC policy. Your users only have to go through our KYC process one single time. We have a 10 minute SLA on the onboarding process so your users are ready to buy within just a few moments. From there on, every repeated buy and sell order from within your application will be instant, without going through KYC and, due to our xPub connection with your wallet, even without logging in.

We work with Mitek for our KYC checks. By integrating with them we have a fully automated onboarding process with a 10 minute SLA and a 75% success rate on onboarding new users.

A refund or chargeback cannot be requested by the user, so only BTC Direct will be able to decide whether a refund will be executed.

A refund can be executed by BTC Direct up until the point where the cryptocurrencies have been sent. This will happen, for example, when we have determined that the transaction is fraud-related or when a transaction is in conflict with our Terms of Service. An example of such a conflict is a payment from a bank account that is not registered to the user. Refunds are executed via our PSP and they usually take around one or two business days to be completed. Since you as an API partner won’t have to settle a transaction, you won’t have to worry about anything that is related to refunds either.

•  Tech & development

In our opinion there are two ways of implementing our API. The difference is based upon what kind of unique identifier is being used to identify the users. This can be xPub based or user-credentials via oAUTH based.

We don’t have a geoblocking rule. However, users will only be able to onboard via our API when they have an identity document that is accepted in the European SEPA region.

Since it concerns a restful API, we haven’t enabled CORS.

We can give your dev team a demo via our internal sandbox.

•  Customer support

We offer a 7 days a week, multilingual customer support. Your users can always contact our customer support when it comes to questions related to our services (fiat onramp and offramp).

We offer a 7 days a week, multilingual customer support for the following languages: Englisch, French, German, Spanish, Dutch and Portuguese. More languages will follow in the nearby future.