Mercuryo review: products, technology and pricing (2026)

Mercuryo is a crypto payments company whose core product is an embeddable fiat-to-crypto on-ramp and off-ramp, used by wallets, exchanges and fintech apps. Around it sit a Mastercard-linked Spend card, cross-chain swaps, and fiat pay-in and pay-out for businesses.

It says it launched in 2018 with a wallet that let people buy crypto by bank card, and moved to an infrastructure model for businesses from 2019. For how ramps work in general, read our crypto on-ramps guide.

At a glance

How the platform works

Partners add a Mercuryo widget to their product. For a purchase, the partner builds a signed widget URL containing its widget ID and the destination wallet address, and can pre-select or lock the crypto, amount and fiat currency. The user confirms details, signs in or registers, completes KYC if needed and pays. Mercuryo then sends the crypto to the wallet, and the partner tracks progress through callbacks on every status change or by polling the transactions API with its own transaction ID.

Technical features described in the documentation:

• KYC handled by Mercuryo through Sumsub, with a light-KYC route for transactions up to EUR 699. A partner that has already verified a user can pass a Sumsub share token to skip it.
• Silent authentication to avoid a second sign-in.
• Signed URLs and country-based filtering of crypto, network and fiat availability.
• Rate and fee lookup for a specific transaction before the user pays.

The off-ramp lets users sell crypto and receive EUR or USD on a card. Off-Ramp and Spend are switched off by default and are enabled by the partner's integration manager.

Products

On-Ramp and Off-Ramp

The buy flow accepts payment cards, Apple Pay, Google Pay and alternative payment methods such as Revolut Pay, per the on-ramp guide.

Spend

Users can issue a virtual EUR Mastercard, fund it with crypto and spend worldwide. The about page dates the Spend launch, a co-branded crypto card made with Mastercard, to 2024. See Mastercard for the scheme itself and our guide to how card payments work.

Swaps, Pay-In, Pay-Out and Mercuryo Pay

The homepage labels Swaps, Pay-In and Pay-Out as new. They cover cross-chain swaps, accepting fiat payments and sending fiat payments. The business help centre also lists Fast Track purchases and KYC sharing as product areas. The about page records a US launch announcement in 2025, without a date.

Developer experience and integrations

Support goes through an integration manager. The documentation points to separate pages for signature generation and sandbox testing, which we did not open in detail.

Payment methods, currencies and coverage

The widget documentation says users can buy and sell 50+ cryptocurrencies across 40+ fiat currencies. The homepage's statistics are higher and undated: 150+ countries, 10+ payment methods, 70+ cryptocurrencies, 30+ chains supported for Spend, 500+ web3 companies, 12 million people onboarded and about 300 staff. The two sets of figures do not match, so confirm the current list for your corridor. Country restrictions apply and are checked through flags and restricted-country lists in the documentation. Minimum and maximum limits per currency pair come from an endpoint, and no values are published in the guide.

Pricing model

Mercuryo does not publish a rate card on the pages we opened. The guide says a fee and rate lookup is available per transaction, which shows the cost to the user before payment, and the business help centre lists fees as a topic. Pricing for partners is not published as of 3 November 2026.

Recent launches

The pages we reviewed carry few dated items. The about page lists 2023 for On/Off-Ramps and embedded payments, 2024 for Spend, and 2025 for an announced US launch. The homepage presents Swaps, Pay-In and Pay-Out as new, without dates. No dated newsroom was found within our research limits, so we do not list individual 2026 launches.

Regulation in brief

Mercuryo's licences page (version 2.0, 1 July 2026) lists several group entities: a FINTRAC-registered money services business in Canada, a Spanish crypto-asset service provider authorised by the CNMV under MiCA, a UK electronic money institution authorised by the FCA, an FCA-registered agent for acquiring, and a Spanish technology company that says it does not provide regulated services itself. Its UK safeguarding notice says customer funds are held in safeguarding accounts and are not covered by UK bank deposit protection. See MiCA and how to check a financial licence.

Who it tends to suit

Mercuryo may suit wallets, exchanges, DeFi front ends and neobanks that want an embeddable ramp plus a card option, and teams that already hold user verification and want to reuse it. Teams weighing alternatives often compare Transak, Banxa and MoonPay. More in our crypto hub. Crypto assets are volatile and this page is not advice.