Payments On-Ramp API

LocalRamp's Payments On-Ramp API enables merchants and platforms to accept fiat payments from African users and receive instant USDT payouts in their merchant wallet — bridging local African currencies with stablecoin settlement for Web3 businesses.

Product Overview

Designed for Web3 merchants and crypto platforms operating in or expanding into African markets, the Payments On-Ramp API handles the full payment collection flow: users pay in their local currency, and merchants receive USDT instantly in their LocalRamp wallet. Collected funds can be withdrawn at any time or swapped into other supported currencies via the Crypto Swaps API.

Key Features

• Accept fiat payments in NGN, GHS, KES, XOF, XAF, RWF, and ZMW from African users
• Instant USDT settlement to merchant wallet on each successful payment
• Three integration modes: Full-page checkout, Widget pop-up, and White-Label API (direct charge) for fully branded experiences
• KYC support via API for compliant onboarding flows
• USDT balance query endpoint for real-time wallet visibility
• Access to 250+ swap pairs via the integrated Crypto Swaps API for flexible liquidity management

Who It's For

The Payments On-Ramp API is built for Web3 merchants, crypto-native platforms, and fintech businesses that need to collect payments from African users while settling in stablecoins. Notable clients using LocalRamp infrastructure include Coinbase Wallet, Bitget Wallet, CoinsBee, GoWagr, Poko, and Payouts.cash.

Access

The Payments On-Ramp API is available to select businesses and requires approval from LocalRamp prior to activation. Contact LocalRamp at [email protected] to apply.