Rampex.io

What Rampex.io does

Rampex.io is a non-custodial payment gateway built on the Polygon blockchain that enables high-risk merchants to accept credit card and digital wallet payments globally and receive instant USDC settlement directly to a self-custodial wallet. The platform eliminates traditional underwriting by requiring only an email and a wallet address for onboarding, and it routes through 25+ integrated payment providers (Stripe, PayPal, MoonPay, Revolut, Robinhood, Visa, Mastercard, Apple Pay, Google Pay, SEPA, etc.) so that no single upstream processor can deplatform a merchant. Funds settle on-chain to the merchant's own wallet within seconds, making account freezes, rolling reserves, and chargebacks structurally impossible by design.

The product surface includes a hosted checkout with branded sub-domain support, a REST API (api.rampex.io) with HMAC-signed webhooks, free plugins for WooCommerce/OpenCart/WHMCS/PrestaShop, payment-link generation with QR and analytics, a Fiat-to-Crypto gateway covering 150+ currencies, a USDC-to-PayPal off-ramp, an anonymous virtual-card product, and a Master Merchant white-label program that lets approved partners onboard unlimited sub-merchants under their own brand with a configurable 0-10% fee share. The firm earns a flat 1% platform fee on top of provider fees with no setup, monthly, reserve, or chargeback charges.

The company was founded in 2023 by anonymous high-risk merchants who publicly disclose losing over $500,000 to processor freezes between 2014 and 2023; it was battle-tested internally before launching publicly in 2025. It remains bootstrapped and founder-owned, headquartered with USA jurisdiction, with 11-50 employees, 2,000+ active merchants, 180+ countries served, and 99.99% claimed uptime. Distribution is product-led and developer-led via self-serve onboarding, public API docs, an Insights/blog content bank, and Telegram/X/GitHub community channels.

Name

Rampex.io

Legal name

Rampex

Website

https://rampex.io

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

11–50 employees

Short description

Rampex.io is a non-custodial, no-KYB payment gateway on Polygon that lets high-risk merchants — including pharma, CBD, gaming, forex, and adult operators — accept credit card and wallet payments globally and receive instant USDC settlement to a self-custodial wallet, bypassing traditional processor freezes and chargebacks.

Ownership category

akta.pro rank

Product category

Payment Gateway Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Crypto Payment Gateways & Checkout APIs (FSADAIAA)

akta.pro secondary industries

Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Payments, Remittances & Merchant Acceptance (checkout, invoicing, payroll) (FSAPAEAE), On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE)

Keywords

• Payment gateway services
• High-risk merchant processing
• Cryptocurrency payment settlement
• USDC payment processing
• Non-custodial payment infrastructure

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations

Revenue model

1. Transaction Processing Fee: Flat 1% platform fee added on top of payment provider fees. Provider fees vary by provider (PayPal ~4.5%, Stripe ~2.8%, MoonPay ~5.1%). No setup fees, monthly fees, rolling reserves, or chargeback fees.
2. Master Merchant Fee Share: Master Merchant partners earn 0-10% configurable fee on every sub-merchant transaction processed through their white-label network. Rampex retains 1% platform fee.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

Rampex is a no-KYB payment gateway enabling high-risk merchants to accept credit card payments globally without business verification or underwriting. All transactions settle as USDC stablecoin directly to the merchant's self-custodial wallet on the Polygon blockchain with sub-10-second finality, structurally eliminating chargebacks, account freezes, and rolling reserves. The platform integrates 25+ payment providers and supports 150+ fiat currencies across 180+ countries.

Product overview

Rampex.io is a no-KYB (Know Your Business) payment gateway platform built for high-risk merchants, combining a non-custodial cryptocurrency settlement infrastructure with traditional payment processing capabilities. The core product is the Anonymous Payment Gateway, which allows merchants to accept card payments globally without business verification and receive instant USDC payouts on Polygon. The platform operates a unified architecture where all services share one merchant account: the core gateway is complemented by Branded Checkout Page (white-label payment pages), Fiat-to-Crypto Gateway (150+ currencies in, USDC out), Crypto-to-PayPal Instant Transfer (off-ramp service), and Anonymous Crypto-to-Virtual-Card (spending solution). A separate Master Merchant Program offers a white-label layer for partners to operate their own payment networks under their brand, complete with sub-merchant portals, configurable fee splits (0-10%), and on-chain settlement automation. Developer access is provided via a REST API at api.rampex.io with WooCommerce, OpenCart, WHMCS, and PrestaShop plugin integrations. All payments settle in USDC on the Polygon network with sub-10-second finality and zero chargeback exposure.

Differentiator

Problem solved

Functional benefit

Products and services

• Anonymous Payment Gateway Flagship no-KYB payment gateway enabling high-risk merchants to accept credit card payments globally with no business verification, no chargebacks, no rolling reserves, and instant USDC settlement directly to a self-custodial wallet on the Polygon blockchain. Approved in under two minutes from email + wallet signup.
• Master Merchant Program White-label payment network program allowing approved partners to onboard unlimited sub-merchants under their own brand, set a configurable 0-10% master fee, and earn automatically on every on-chain settlement. Includes branded sub-merchant portal, custom domain support, role-based access, and full API + webhook stack.
• WooCommerce Plugin Free WordPress/WooCommerce payment gateway plugin enabling online stores to accept credit card payments via Rampex with automatic order status updates, webhook notifications, multi-currency support, and one-click installation. Compatible with hosted checkout plus MoonPay, Revolut, and Stripe gateways.

Quantifiable outcome

• Payout time reduced from 7-30 days (Stripe/PayPal) to under 10 seconds
• +3 more outcomes

Named customers6 records

Segments7 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability1 record

Feature5 records

Partnerships

17 partnerships are on record, tiered core and supporting.

• StripecoreTechnology or IntegrationIntegrated payment provider - Stripe processes card payments for Rampex merchants with ~2.8% provider fee. Supports USD only, USA-focused. Part of 25+ provider network.
• MoonPaycoreTechnology or IntegrationIntegrated crypto-to-fiat provider enabling card purchases. ~5.1% provider fee. Supports hosted checkout mode.
• PayPalcoreTechnology or IntegrationIntegrated payment method - PayPal checkout available as provider option with ~4.5% fee. Also offers crypto-to-PayPal off-ramp service.
• RevolutcoreTechnology or IntegrationIntegrated payment provider - Revolut processes card/wallet payments for Rampex merchants with ~2.5% provider fee.
• Polygon (Matic)coreTechnology or IntegrationBlockchain network for USDC settlement. Polygon chosen for low gas fees (~$0.001), fast confirmation (~2 seconds), and instant finality. All merchant payouts settle on Polygon.
• VisacoreTechnology or IntegrationCard network partner - Visa cards accepted through integrated providers. Part of 30+ payment method support.
• MastercardcoreTechnology or IntegrationCard network partner - Mastercard accepted through integrated providers. Part of 30+ payment method support.
• Apple PaycoreTechnology or IntegrationDigital wallet integration - Apple Pay accepted as payment method. Supports online and in-store via Apple Pay.
• Google PaycoreTechnology or IntegrationDigital wallet integration - Google Pay accepted as payment method. Supports online and in-store via Google Pay.
• SEPAcoreTechnology or IntegrationEuropean bank transfer integration - SEPA payments supported for EU merchants. Part of local payment method suite.
• TransaksupportingTechnology or IntegrationOn-ramp provider integrated for fiat-to-crypto conversions. ~3.9% provider fee.
• Ramp NetworksupportingTechnology or IntegrationFiat-to-crypto on-ramp provider. ~3.9% fee. Used for crypto purchases.
• RobinhoodsupportingTechnology or IntegrationPayment provider for US market. ~2.5% provider fee, lowest of integrated providers.
• WooCommercecoreTechnology or IntegrationOfficial Rampex plugin for WooCommerce - free downloadable plugin with auto order status updates, webhook integration, and multi-currency support.
• OpenCartsupportingTechnology or IntegrationE-commerce platform integration via official Rampex plugin.
• WHMCSsupportingTechnology or IntegrationAutomation and billing platform integration via Rampex plugin.
• PrestaShopsupportingTechnology or IntegrationE-commerce platform integration via official Rampex plugin.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• BitPay: One of the largest and oldest crypto payment processors, offering merchant checkout, invoicing, and a consumer wallet. Comparable to Rampex on the crypto-settlement merchant-acceptance model, but BitPay is a regulated, KYC'd incumbent at significantly larger scale.
• Coinbase Commerce: Crypto payment acceptance product from Coinbase, allowing merchants to receive Bitcoin, Ethereum, USDC, and other assets. Overlapping product set with Rampex (USDC merchant settlement, hosted checkout), backed by a much larger regulated exchange.
• Stripe: Global card-acquiring and payments platform that Rampex both depends on as an upstream PSP and competes against in the broader merchant-payments space. Comparable on card-acceptance infrastructure, though Stripe is KYC/underwriting-driven and explicitly excludes many of Rampex's core verticals.

Direct peers

• CoinGate: Established crypto payment gateway and processor offering merchant checkout, POS, and billing APIs across multiple coins and stablecoins. Closely comparable to Rampex on the merchant-gateway + checkout-API axis; CoinGate is more regulated (Lithuania-licensed) and broader in vertical mix.
• CoinsPaid: Crypto payment gateway and processing platform offering merchant APIs, hosted checkout, and OTC services. Direct peer on payment-gateway-for-merchants with stablecoin settlement; CoinsPaid operates under EU VASP licensing, contrasting with Rampex's no-KYB positioning.
• TransFi: Cross-border fiat-crypto payment gateway providing on-ramp, off-ramp, and merchant payment APIs across emerging markets. Comparable to Rampex on cross-border fiat-crypto checkout for merchants, with a more regulated compliance posture.
• Triple-A: Licensed crypto payment gateway enabling merchants to accept digital currencies with settlement options including bank transfer and stablecoins. Direct peer on the merchant-crypto-acceptance axis with API and hosted checkout products similar to Rampex's.
• Alchemy Pay: Fiat-crypto payment gateway providing on-ramp, off-ramp, and merchant checkout across global markets. Directly comparable to Rampex on fiat-to-crypto merchant acceptance and multi-region coverage, though Alchemy Pay is more licensing-heavy and broader in scope.
• NOWPayments: Crypto payment gateway serving merchants globally with stablecoin and coin acceptance via API and plugins. Directly comparable to Rampex on product (gateway + checkout) and target market (e-commerce merchants), though NOWPayments is broader and more retail-friendly while Rampex targets no-KYB / high-risk.

Emerging players

• BTCPay Server: Open-source, self-hosted crypto payment processor widely used by merchants seeking censorship-resistant, non-custodial payment acceptance. Comparable to Rampex on the non-custodial / self-hosted ethos, though BTCPay is community-maintained software rather than a managed gateway.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/rampexio
• GitHubgithub.com/rampexio

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Rampex.io