Fiat Payments
The Fiat Payments flow lets you buy crypto using traditional payment methods like:
Bank Card (credit / debit)
Apple Pay / Google Pay
Revolut and other local methods (depending on the provider & region)
Qwerti works as an aggregator on top of a regulated fiat on-ramp provider (for example, MoonPay). The provider processes your fiat payment and sends crypto, while Qwerti routes this crypto into your target token and target chain.
Important: Qwerti charges 0% fee on fiat payments. You only pay the fees set by the fiat on-ramp provider. (Details → see the Fees page.)
1. What You Can Do with Fiat Payments
With the Buy with Card flow in Qwerti, you can:
Buy a chosen token on a chosen chain using fiat
Use:
your existing wallet, or
an embedded smart wallet created via email/social login
Avoid going through:
centralized exchanges
manual withdrawals
manual bridges and separate swaps
Everything is packed into a single guided flow.
2. How the Fiat Flow Works
Step 1 — Choose “Buy with Card”
On the main screen, select:
Buy with Card (or similar wording used in your UI)
Use this option if:
you don’t have crypto yet, or
you prefer to pay with fiat (card, Apple Pay, Google Pay, Revolut, etc.)
Step 2 — Select token you want to buy
You start by defining what exactly you want to receive:
Choose the token and network (chain) which you want to buy (e.g. BONK on Solana)
Qwerti will automatically set native token (e.g. SOL on Solana, BNB on BSC Chain, ETH on Base, etc.) on this chain as a proxy asset to swap into target token (e.g. BONK on Solana).
Qwerti will then build a route that goes:
Fiat → native crypto (e.g. SOL on Solana) → target token on target chain (e.g. BONK on Solana)
Step 3 — Set the amount
You can usually choose one of two ways (depending on UI):
Enter how much fiat you want to spend (e.g. 200 EUR / 300 USD)
Or target a crypto amount you want to receive (if supported)
Qwerti will show an estimate of:
how much crypto you’ll get
based on:
on-ramp provider rates
provider fees
swap route to your target token
Step 4 — Choose payment method
You’ll then select the available payment method for your region, for example:
Bank card (credit / debit)
Apple Pay / Google Pay
Revolut or other local payment options (depending on the provider)
The exact list depends on the fiat on-ramp provider and your country.
Step 5 — On-ramp provider checkout
At this point you’re taken into the checkout flow of the fiat provider (e.g. MoonPay):
There you will:
enter your card details or confirm via Apple Pay / Google Pay / Revolut
see the exact provider fee and final estimate of crypto
possibly go through KYC / identity verification (for larger amounts or first-time use)
Important:
Your card data and KYC information are handled by the on-ramp provider, not by Qwerti.
Qwerti does not see or store your card number or documents.
You confirm the payment directly in the provider’s UI.
Step 6 — Processing & conversion
After you confirm the payment:
The on-ramp provider:
charges your card
converts fiat → crypto (e.g. to SOL on Solana)
Qwerti:
receives information about the crypto leg
routes this crypto to your target token and target chain using DEX providers
sends it to your connected wallet (external or embedded)
In Qwerti, you’ll see a Processing status while:
the fiat payment is being processed
the crypto transfer arrives on-chain
swap to the final token complete
Once everything is done, the flow will change to Completed, and you’ll see the token in your wallet.
3. Wallets & Delivery
Fiat payments in Qwerti always end with crypto delivered to a wallet you control:
your own external wallet, or
an embedded smart wallet created via email/socials
You choose or create this wallet in Qwerti before starting the fiat flow.
Flow recap:
Connect / create a wallet
Choose Buy with Card
Complete the provider checkout
Receive tokens directly into that wallet
Qwerti does not hold your funds in custody — it just orchestrates the route and delivery.
4. Fees on Fiat Payments
For fiat flows:
Qwerti fee: 0%
You pay only the on-ramp provider’s fees, which can vary by:
payment method
region
quotes
Typical examples (approximate, defined by providers):
Card payments: ~3–5% of the transaction
Revolut / some alternative methods: ~1–2%
The exact fee is always shown inside the on-ramp provider’s checkout before you confirm.
For more details, see the Fees page.
5. Limits & KYC
Fiat payments are subject to:
limits set by the fiat provider
compliance rules in your jurisdiction
You may see:
minimum / maximum amount per transaction
daily / monthly limits
different limits before and after KYC
In many cases:
Small purchases may require only basic checks
Larger amounts usually trigger full KYC (ID verification, etc.)
All of this is handled by the fiat on-ramp provider — they are responsible for compliance, not Qwerti.
6. Common Issues & Troubleshooting
“My card was charged, but I don’t see the tokens yet”
Possible reasons:
The on-ramp provider is still processing the transaction
KYC / compliance checks are pending
Network congestion on the chain where crypto is sent
The swap/bridge leg to your target token is still in progress
What to do:
Check any emails or in-app messages from the fiat provider
Check your wallet on the target chain via a block explorer
Check Activity / History in Qwerti (if available)
If the delay is unusually long:
Contact the on-ramp provider’s support with:
email used
payment time
transaction ID from their interface
Contact Qwerti Support to review your case
“Payment failed / card declined”
Reasons can include:
bank blocking crypto-related payments
incorrect card details
3D Secure / confirmation failed
provider’s risk rules
In that case:
Try another card or payment method
Contact your bank or card issuer if needed
Or use crypto (Swap with Crypto) instead of fiat
“I chose the wrong chain or token”
If the transaction is already completed:
Qwerti cannot reverse on-chain transactions
You can:
use Qwerti swaps to move from the wrong token/chain into the correct one
or, for large mistakes, consider contacting support for guidance (but refunds are usually not possible on-chain)
Always double-check:
target chain
target token * before confirming both in Qwerti and in the fiat provider UI.
7. Best Practices for Fiat Payments
Start with smaller amounts if it’s your first transaction with a new provider.
Make sure your wallet is:
correctly connected
on the correct chain
ready to receive the token.
Check the provider fee and final crypto estimate before confirming.
Keep an eye on:
email inbox (for KYC / confirmations)
transaction status inside Qwerti.
In short:
Fiat Payments (Buy with Card) in Qwerti let you go from fiat → your target token on your target chain in one guided flow, with 0% Qwerti fee and full control over your wallet and approvals.
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