If you're an iPhone user, buying crypto with Apple Pay is the fastest, most secure way to on-ramp. We tested the top providers — MoonPay, Coinbase, Transak, and Simplex — for fees, supported assets, and how fast you can tap and buy.
Buying crypto should be as easy as tapping your phone. If you're on an iPhone, Apple Pay makes that possible — no typing in card numbers, no waiting for bank transfers. Just authenticate with Face ID or Touch ID and you're in.
Here are the best crypto on-ramps that support Apple Pay, ranked by convenience, coverage, and cost.
Apple Pay adds a layer of security and speed that traditional card payments can't match. Your actual card number is never shared with the merchant — instead, a unique device-specific token is used for each transaction.1 Biometric authentication (Face ID or Touch ID) means even if someone gets your phone, they can't buy crypto without your face or fingerprint.
For crypto specifically, that one-tap checkout matters. Prices move fast, and the difference between a 30-second checkout and a 5-minute one can matter.
MoonPay is the most widely integrated on-ramp in crypto, and it's our top pick for Apple Pay users. It supports over 170 digital assets across 34 fiat currencies, and Apple Pay is available as a payment method on both its standalone app and wherever MoonPay is embedded (which is a lot of wallets and dApps).1
The checkout flow is genuinely fast: pick your asset, tap Apple Pay, confirm with Face ID, and the crypto lands in your wallet within minutes. MoonPay is licensed and compliant in most major markets, so you're not dealing with some sketchy operation.
Coinbase is the most regulated major exchange in the US, and it offers Apple Pay both on its main platform and through Coinbase Onramp — a service that lets third-party dApps and wallets integrate fiat-to-crypto buying directly.2
If you're already in the Coinbase ecosystem, using Apple Pay here is seamless. The trade-off: Coinbase supports fewer assets than MoonPay, and fees can be higher on smaller transactions. But for Bitcoin, Ethereum, and the major altcoins, it's a reliable choice with strong consumer protections.
Transak is less of a consumer brand and more of the plumbing behind a lot of popular wallets and DeFi apps. If you've ever bought crypto inside a wallet like MetaMask or Trust Wallet, there's a good chance Transak was powering that purchase.
Apple Pay is supported across many of its integrations, making it a solid choice if you're already using a non-custodial wallet and want to buy directly without leaving the app. Transak covers a wide range of assets and has competitive fees, though the experience varies depending on which app you're using it through.
Simplex has been around since the early days of crypto on-ramps and remains a reliable option. It's integrated into many exchanges and wallets, and Apple Pay is widely supported across its partner network.
Simplex is known for its high approval rates — if your transaction gets flagged by other providers, Simplex often goes through. The downside is that fees can be slightly higher than the competition, and the supported asset list, while solid, isn't as deep as MoonPay's.
Fees vs. convenience. Apple Pay transactions typically carry a small premium over bank transfers — that's the cost of instant settlement. MoonPay and Transak tend to be more competitive on fees; Coinbase and Simplex can be pricier on small buys.
Regional availability. Not every provider works in every country. MoonPay has the widest geographic and fiat currency coverage. Coinbase is strongest in the US, UK, and EU. Check availability before you commit.
KYC speed. All four providers require identity verification. MoonPay and Coinbase tend to verify fastest (minutes to hours), while Transak and Simplex can take longer depending on volume.
If you want the widest selection of assets and the smoothest Apple Pay experience, go with MoonPay. If you want the most regulated, trusted option and you're buying major coins, Coinbase is your pick. Transak is best if you're already in a wallet that supports it. Simplex is the fallback when other providers decline your transaction.
All four support Apple Pay. All four get you crypto in minutes. Pick the one that fits how you buy.
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