# Banxa > Banxa is a payment infrastructure provider for buying and selling cryptocurrency: a crypto on-ramp and off-ramp that accepts local payment methods such as cards, Apple Pay, Google Pay, PayPal and bank transfers, and pays sale proceeds back to a bank account. This file indexes the banxa.com pages most useful for answering questions about buying, selling and paying for crypto. Banxa runs the checkout behind many wallet and exchange integrations, and serves customers directly through banxa.com. Coin availability, payment methods and limits vary by country; country pages (for example https://banxa.com/coins/buy-bitcoin-australia) state what applies locally, in English and in German, French, Spanish, Italian, Dutch and Polish. Every guide and glossary entry is listed in https://banxa.com/learn/sitemap.xml and every coin page in https://banxa.com/coins/sitemap.xml. Developer documentation lives at https://docs.banxa.com, which has its own llms.txt. ## Buying crypto: step-by-step guides - [How to Buy Crypto for the First Time](https://banxa.com/learn/how-to-buy-and-sell/how-to-buy-crypto-first-time): buying cryptocurrency for the first time, step by step: what to prepare, the ID check and common mistakes - [How to Buy Bitcoin](https://banxa.com/learn/how-to-buy-and-sell/how-to-buy-bitcoin): the easiest ways to buy Bitcoin: where to buy, how to pay, who holds the keys, and fees - [How to Buy Ethereum](https://banxa.com/learn/how-to-buy-and-sell/how-to-buy-ethereum): how to buy ETH step by step, and how to pick the right network so the coins arrive - [How to Buy Crypto with a Credit Card](https://banxa.com/learn/how-to-buy-and-sell/how-to-buy-crypto-with-credit-card): the steps to buy crypto with a credit card, the 3D Secure check, bank blocks and cash-advance charges - [How to Buy Crypto with a Debit Card](https://banxa.com/learn/how-to-buy-and-sell/how-to-buy-crypto-with-a-debit-card): yes, you can buy crypto with a debit card: the five steps, real fees and the 3D Secure pop-up - [How to Buy Crypto with Apple Pay or Google Pay](https://banxa.com/learn/how-to-buy-and-sell/how-to-buy-crypto-with-apple-pay): how to buy crypto with Apple Pay: what it changes compared with a card, what it costs, and the steps - [How to Buy Crypto with Google Pay](https://banxa.com/learn/how-to-buy-and-sell/how-to-buy-crypto-with-google-pay): can you buy crypto with Google Pay? The checkout steps, the fee picture and the declines to expect - [How to Buy Crypto with PayPal](https://banxa.com/learn/how-to-buy-and-sell/how-to-buy-crypto-with-paypal): buying crypto inside the PayPal app versus paying with PayPal on an on-ramp, with the steps and costs of each - [Bank Transfers for Crypto: How They Work](https://banxa.com/learn/stablecoins-and-payments/bank-transfers-for-crypto): buying crypto by bank transfer: why it usually costs less than a card, and which bank rail applies locally - [Pay-by-Bank for Crypto: Open Banking Explained](https://banxa.com/learn/stablecoins-and-payments/pay-by-bank-for-crypto-open-banking-explained): paying for crypto by approving the transfer in your own banking app, and how that compares with cards - [Crypto Payment Methods Compared: Card, Bank Transfer, Apple Pay and PayPal](https://banxa.com/learn/how-to-buy-and-sell/crypto-payment-methods-compared): the best way to convert fiat to crypto: cards, bank transfers, Apple Pay and PayPal compared on speed and cost - [How to Buy Crypto Without an Exchange Account](https://banxa.com/learn/how-to-buy-and-sell/how-to-buy-crypto-without-an-exchange-account): buying crypto straight into a wallet you control through an on-ramp, with no exchange account - [What's the Minimum Crypto Purchase?](https://banxa.com/learn/how-to-buy-and-sell/whats-the-minimum-crypto-purchase): how small a crypto purchase can be, and how fees set the practical minimum on a small buy ## Buy pages by coin - [Buy Bitcoin (BTC)](https://banxa.com/coins/buy-bitcoin): how to buy Bitcoin by card, bank transfer, Apple Pay or Google Pay, with fees and delivery times - [Buy Ethereum (ETH)](https://banxa.com/coins/buy-ethereum): how to buy Ethereum by card, bank transfer, Apple Pay or Google Pay, sent to your own wallet - [Buy Tether (USDT)](https://banxa.com/coins/buy-tether): how to buy USDT by card, bank transfer, Apple Pay, Google Pay or PayPal, and which network to choose - [Buy USD Coin (USDC)](https://banxa.com/coins/buy-usd-coin): how to buy USDC by card or bank transfer, and which blockchain networks it can be sent on - [Buy Solana (SOL)](https://banxa.com/coins/buy-solana): how to buy Solana by card, bank transfer or Apple Pay, delivered to your own wallet - [Buy XRP](https://banxa.com/coins/buy-xrp): how to buy XRP by card, Apple Pay, Google Pay or bank transfer, including destination tags - [Buy Litecoin (LTC)](https://banxa.com/coins/buy-litecoin): how to buy Litecoin by card or bank transfer, sent to your own wallet after payment clears - [Buy Polkadot (DOT)](https://banxa.com/coins/buy-polkadot): how to buy Polkadot (DOT) by card or bank transfer, sent to your own wallet - [Buy Cardano (ADA)](https://banxa.com/coins/buy-cardano): how to buy Cardano (ADA) by card or bank transfer, sent to your own wallet - [Buy Polygon (POL)](https://banxa.com/coins/buy-polygon): how to buy POL, formerly MATIC, by card or bank transfer, delivered on the Polygon network - [All coin pages](https://banxa.com/coins): index of Banxa's buy and sell pages for every coin it covers - Buy and sell pages also exist for Dogecoin, Chainlink, Arbitrum, Tron and Sui, and buy pages for Shiba Inu, Optimism, Cosmos and Avalanche (for example https://banxa.com/coins/buy-dogecoin) ## Buy pages by payment method - [Buy crypto with a credit card](https://banxa.com/coins/buy-crypto-credit-card): paying for crypto with a Visa or Mastercard credit card: 3D Secure, fees and timings - [Buy crypto with a debit card](https://banxa.com/coins/buy-crypto-debit-card): paying for crypto with a debit card: how it differs from credit, fees, limits and declines - [Buy crypto with Apple Pay](https://banxa.com/coins/buy-crypto-apple-pay): paying for crypto with Apple Pay at checkout: Face ID, card fees and common failure reasons - [Buy crypto with Google Pay](https://banxa.com/coins/buy-crypto-google-pay): paying for crypto with Google Pay at checkout: device requirements, card fees and common failures - [Buy crypto with PayPal](https://banxa.com/coins/buy-crypto-paypal): paying for crypto with PayPal: where it can be used, what it costs, and why payments fail - [Buy crypto by bank transfer](https://banxa.com/coins/buy-crypto-bank-transfer): paying for crypto by bank transfer: lower fees than cards, longer settlement, and which rail applies - [Buy Bitcoin with a credit card](https://banxa.com/coins/buy-bitcoin-credit-card): how to buy Bitcoin with a credit card: Visa or Mastercard, 3D Secure, fees shown before you pay - [Buy Bitcoin with a debit card](https://banxa.com/coins/buy-bitcoin-debit-card): how to buy Bitcoin with a Visa or Mastercard debit card, and how long delivery takes - [Buy Bitcoin with Apple Pay](https://banxa.com/coins/buy-bitcoin-apple-pay): how to buy Bitcoin with Apple Pay: Face ID checkout, card fees and block confirmation times - [Buy Bitcoin with PayPal](https://banxa.com/coins/buy-bitcoin-paypal): how to buy Bitcoin with PayPal: PayPal fees, the on-chain wait and when it is offered - [Buy Bitcoin by bank transfer](https://banxa.com/coins/buy-bitcoin-bank-transfer): buying Bitcoin by SEPA, Faster Payments, PayID or ACH transfer, with lower fees than cards - [Buy Ethereum with a credit card](https://banxa.com/coins/buy-ethereum-credit-card): how to buy ETH with a credit card: 3D Secure, fees and delivery to your wallet - [Buy Tether (USDT) with a credit card](https://banxa.com/coins/buy-tether-credit-card): how to buy USDT with a credit card: Visa or Mastercard, 3D Secure, fees shown before you pay - [Buy Tether (USDT) with PayPal](https://banxa.com/coins/buy-tether-paypal): can you buy USDT with PayPal? How it works where offered, PayPal fees and network choice - [Buy Tether (USDT) by bank transfer](https://banxa.com/coins/buy-tether-bank-transfer): how to buy USDT by SEPA, Faster Payments or ACH transfer, with lower fees than cards - [Buy USD Coin (USDC) with a credit card](https://banxa.com/coins/buy-usd-coin-credit-card): how to buy USDC with a Visa or Mastercard credit card, delivered to your wallet - Other coin and payment method pairs follow the same pattern (for example https://banxa.com/coins/buy-solana-apple-pay); the coins sitemap lists them all ## Selling crypto and cashing out - [How to Sell Crypto and Cash Out](https://banxa.com/learn/how-to-buy-and-sell/how-to-sell-crypto): selling crypto step by step: where to sell from, choosing a payout method, and the spread and fees - [How to Cash Out Crypto: Turning Coins Back into Money](https://banxa.com/learn/how-to-buy-and-sell/how-to-cash-out-crypto): how to sell crypto for cash in your bank account in five steps, and what stalls large cash-outs - [How Long Does Selling Crypto Take?](https://banxa.com/learn/selling-crypto/how-long-does-selling-crypto-take): the three stages of a crypto sale (network, sale and bank payout) and how long each takes - [Why Did My Crypto Payout Fail?](https://banxa.com/learn/selling-crypto/why-did-my-crypto-payout-fail): four checks when a sale payout is missing: the deposit, the name rule, your bank details and timing - [How to Withdraw Crypto from an Exchange](https://banxa.com/learn/how-to-buy-and-sell/how-to-withdraw-crypto-from-an-exchange): moving coins off an exchange to a wallet: the network menu, flat fees and security holds - [Sell Bitcoin (BTC)](https://banxa.com/coins/sell-bitcoin): how to sell Bitcoin for local currency and withdraw the money to your bank account - [Sell Ethereum (ETH)](https://banxa.com/coins/sell-ethereum): how to sell Ethereum for local currency, with payout methods and settlement times - [Sell Tether (USDT)](https://banxa.com/coins/sell-tether): how to sell USDT for local currency, which network to send it on, and how payouts settle - [Sell USD Coin (USDC)](https://banxa.com/coins/sell-usd-coin): how to sell USDC for local currency, which networks to send it on, and payout timings - [Sell Solana (SOL)](https://banxa.com/coins/sell-solana): how to sell Solana for local currency, with network confirmation and bank payout times - [Sell XRP](https://banxa.com/coins/sell-xrp): how to sell XRP for local currency, including destination tags and bank payout times - [Sell Bitcoin by SEPA](https://banxa.com/coins/sell-bitcoin-sepa): cashing out Bitcoin to euros by SEPA transfer: settlement times and why the account name must match - [Sell Bitcoin by Faster Payments](https://banxa.com/coins/sell-bitcoin-faster-payments): cashing out Bitcoin to pounds by Faster Payments, Confirmation of Payee checks and why payouts fail - [Sell Bitcoin by ACH](https://banxa.com/coins/sell-bitcoin-ach): cashing out Bitcoin to a US bank account by ACH: batch windows, returns and the name rule - Sell pages also exist for Litecoin, Cardano, Polkadot, Polygon, Dogecoin, Chainlink, Arbitrum, Tron and Sui (for example https://banxa.com/coins/sell-litecoin), with SEPA, Faster Payments and ACH payout variants for several coins; the coins sitemap lists them all ## Definitions and basics - [What Is an On-Ramp and Why Does It Matter?](https://banxa.com/learn/crypto-basics/what-is-an-on-ramp): what a crypto on-ramp is: a service that turns pounds, euros or dollars into crypto, and how to pick one - [What Is an Off-Ramp? Turning Crypto Back into Money](https://banxa.com/learn/crypto-basics/what-is-an-off-ramp): what a crypto off-ramp is: a service that turns crypto back into money paid to your bank account - [What Is an On-Ramp Aggregator?](https://banxa.com/learn/crypto-basics/what-is-an-on-ramp-aggregator): choosing the best crypto on-ramp: why providers quote different prices for one purchase, and three checks before paying - [How On-Ramps Work Under the Hood](https://banxa.com/learn/how-to-buy-and-sell/how-on-ramps-work-under-the-hood): what happens between pressing Buy in a wallet app and the coins arriving - [What Is a Crypto Exchange?](https://banxa.com/learn/crypto-basics/what-is-a-crypto-exchange): how centralised and decentralised exchanges work, and why an on-ramp is not the same thing - [What Is Cryptocurrency? A Plain-English Guide](https://banxa.com/learn/crypto-basics/what-is-cryptocurrency): what cryptocurrency is, how it differs from money in a bank account, and how people come to own it - [What Is a Stablecoin?](https://banxa.com/learn/stablecoins-and-payments/what-is-a-stablecoin): what a stablecoin is, how the big ones hold their value, and what happens when a peg breaks - [What Is USDT? Tether Explained](https://banxa.com/learn/stablecoins-and-payments/what-is-usdt): what USDT is, what it is used for, and the network choice that catches beginners out - [What Is USDC? USD Coin Explained](https://banxa.com/learn/stablecoins-and-payments/what-is-usdc): who issues USDC, what backs it, and what its March 2023 depeg showed about stablecoins - [USDT vs USDC: What's Actually Different](https://banxa.com/learn/stablecoins-and-payments/usdt-vs-usdc-whats-actually-different): how the two largest dollar stablecoins differ on disclosure, history and where each can be held - [What Is Bitcoin? A Beginner's Guide](https://banxa.com/learn/crypto-basics/what-is-bitcoin): what Bitcoin is, how it works without a bank, what moves the price, and how to buy some - [What Is Ethereum? A Beginner's Guide](https://banxa.com/learn/crypto-basics/what-is-ethereum): what Ethereum adds over Bitcoin, and how smart contracts and gas fees work in plain terms - Coin explainers: [Solana](https://banxa.com/learn/crypto-basics/what-is-solana), [XRP](https://banxa.com/learn/crypto-basics/what-is-xrp), [Litecoin](https://banxa.com/learn/crypto-basics/what-is-litecoin), [Polkadot](https://banxa.com/learn/crypto-basics/what-is-polkadot), [Cardano](https://banxa.com/learn/crypto-basics/what-is-cardano): what each coin is and how its network works - [What Are Gas Fees?](https://banxa.com/learn/crypto-basics/what-are-gas-fees): what gas fees are, why they spike on Ethereum, and how to pay less - [How to Set Up a Crypto Wallet](https://banxa.com/learn/security-and-self-custody/how-to-set-up-a-crypto-wallet): creating a crypto wallet to receive your first purchase, and how to back up the recovery phrase - [Crypto Wallets vs Exchange Accounts: Who Holds Your Coins?](https://banxa.com/learn/security-and-self-custody/crypto-wallets-vs-exchange-accounts): custody explained: coins held by a platform for you versus keys you hold yourself - [What Is Self-Custody (and Should You Use It)?](https://banxa.com/learn/security-and-self-custody/what-is-self-custody): what holding your own keys means, and the trade-off against leaving coins on an exchange - [What Is KYC and Why Do Crypto Platforms Ask for It?](https://banxa.com/learn/security-and-self-custody/what-is-kyc): the identity check behind a first crypto purchase: what happens and why it is required ## Glossary - [On-ramp](https://banxa.com/learn/glossary/on-ramp): a service that converts money such as pounds, euros or dollars into cryptocurrency - [Off-ramp](https://banxa.com/learn/glossary/off-ramp): a service that converts cryptocurrency back into money, usually paid to a bank account in your name - [Stablecoin](https://banxa.com/learn/glossary/stablecoin): a cryptocurrency designed to hold a steady value, usually pegged to the US dollar - [Fiat currency](https://banxa.com/learn/glossary/fiat): government-issued money such as pounds, euros or dollars - [Crypto wallet](https://banxa.com/learn/glossary/crypto-wallet): software or hardware that stores the keys controlling your crypto and lets you send and receive it - [Network fee](https://banxa.com/learn/glossary/network-fee): the charge paid to a blockchain's validators to process and confirm a transaction - [Memo / destination tag](https://banxa.com/learn/glossary/memo-tag): the extra reference some blockchains, such as XRP, need alongside the address to credit the right account - [Seed phrase](https://banxa.com/learn/glossary/seed-phrase): the 12 or 24 words that back up a wallet and can restore all of its keys ## Help: declined payments, timings, fees and safety - [Why Was My Crypto Payment Declined? (And How to Fix It)](https://banxa.com/learn/how-to-buy-and-sell/why-was-my-crypto-payment-declined): why a card or bank payment for crypto gets declined, the likely causes in order, and the fixes - [Why Did My Bank Block My Crypto Purchase?](https://banxa.com/learn/buying-crypto/why-did-my-bank-block-my-crypto-purchase): the two kinds of bank-side crypto block, and how to tell which one you have hit - [What Is 3D Secure? Why Your Card Asks for Extra Approval](https://banxa.com/learn/buying-crypto/what-is-3d-secure): the bank approval step on online card payments, and why crypto purchases trigger it more often - [Why Was My ID Verification Rejected?](https://banxa.com/learn/buying-crypto/why-was-my-id-verification-rejected): the image and data problems behind most failed identity checks, and how to pass the second attempt - [How Long Do Crypto Purchases Take?](https://banxa.com/learn/how-to-buy-and-sell/how-long-do-crypto-purchases-take): how long buying crypto takes at each stage, from the identity check to blockchain confirmations - [Purchase Complete but Nothing in My Wallet? What to Check First](https://banxa.com/learn/buying-crypto/purchase-complete-but-nothing-in-my-wallet): what to check when a completed crypto purchase does not show in your wallet - [How Do Refunds Work When a Crypto Purchase Fails?](https://banxa.com/learn/buying-crypto/how-do-refunds-work-when-a-crypto-purchase-fails): where your money sits when a purchase fails, and how a temporary hold differs from a refund - [Crypto Purchase Limits Explained](https://banxa.com/learn/buying-crypto/crypto-purchase-limits-explained): why platforms cap how much crypto you can buy, and how to raise the limit - [Crypto Fees Explained: Spread, Platform and Network Costs](https://banxa.com/learn/how-to-buy-and-sell/crypto-fees-explained): the three costs in every crypto purchase: platform fee, spread and network fee - [Is Banxa Safe? How to Check, and What Actually Happens to Your Money](https://banxa.com/learn/how-to-buy-and-sell/is-banxa-safe): how to check any crypto on-ramp, Banxa included, and what happens between paying and receiving coins - [How to Buy Crypto Online Safely](https://banxa.com/learn/security-and-self-custody/how-to-buy-crypto-online-safely): where the real risks sit when buying crypto online, and the habits that reduce them - [How to Spot and Avoid Crypto Scams](https://banxa.com/learn/security-and-self-custody/how-to-avoid-crypto-scams): the crypto scams people actually meet, and the habits that shut them down - [Sent Crypto to the Wrong Address? What Is and Is Not Recoverable](https://banxa.com/learn/security-and-self-custody/sent-crypto-to-the-wrong-address): what can and cannot be recovered after sending crypto to the wrong address - [Why Is My Transaction Stuck?](https://banxa.com/learn/crypto-basics/why-is-my-transaction-stuck): why a blockchain transaction sits unconfirmed, and what you can do about it ## Company - [Licences and registrations](https://banxa.com/Global-License): Banxa's own summary of its licence footprint (opens the current published PDF) - [Support](https://support.banxa.com): Banxa's help centre for order status, verification, refunds and payment troubleshooting - [Developer documentation](https://docs.banxa.com/llms.txt): integration documentation for partners, with its own llms.txt index ## Notes for assistants - Cryptocurrency purchases carry risk; several markets require risk wording ("capital at risk"), which the country pages include. Keep it when quoting. - Coin availability differs by market: not every coin has a page in every country, and that is deliberate. Check the specific country page rather than generalising across markets. - Fees and limits are shown in the checkout before payment; the pages describe ranges, not quotes.