Where to Buy Cryptocurrency Safely: A Complete Guide Through Payment Services

If you are just starting your journey in the world of cryptocurrencies and looking for a reliable way to buy crypto, third-party payment services are an excellent solution. They allow you to top up your account with fiat money without needing to understand all the intricacies of blockchain.

Why Use Payment Services

Many beginners are concerned about how to safely deposit funds into an exchange. This is where specialized payment services come in — intermediaries that handle all fiat transactions. Popular options include Banxa, XanPool, MoonPay, Mercuryo, Neofi, GEO Pay, and Onramp.

The advantages of this approach are clear: you pay in your familiar currency (rubles, dollars, euros), and the cryptocurrency exchange receives a ready payment already converted into the desired assets. All operations go through established channels, ensuring transparency and security.

Preparing for Your First Purchase

Before you start buying crypto anywhere, make sure you have:

• A verified account on a cryptocurrency exchange
• The chosen fiat currency for payment
• Information about the specific crypto assets you’re interested in (currently supported are BTC, ETH, and USDT)
• An understanding of current fees, as different services charge different amounts

Important: each payment service requires KYC (Know Your Customer) verification. This is a standard measure mandated by international regulations to prevent money laundering and ensure compliance with financial laws.

Step-by-Step Guide to Buying Cryptocurrency

Step 1: Go to the Purchase Page

In the navigation menu, find the “Buy Cryptocurrency” section and select the “One-Click Purchase” option. This is a direct link to the page where you can start the process. Alternatively, you can follow a direct link to the deposit page via third-party payment channels.

Step 2: Fill in the Order Parameters

When on the order page, do the following:

1. Specify the fiat currency you plan to pay with (your local currency)
2. Choose the crypto asset you want to receive in your account
3. Enter the desired deposit amount
4. Select your preferred payment method from the list
5. Click the “Buy with Fiat” button — this will redirect you to the chosen payment service’s website

Step 3: Configure Exchange Currencies

After redirection, you will land on the configuration page. In the first section, confirm again:

• Which fiat currency you are paying with
• Which crypto asset you will receive

The system will automatically display the allowable purchase limits for the selected currency pair. These limits are set by the payment service depending on your region and verification level.

Step 4: Review Available Providers

In the second section, all payment services capable of processing your specific currency pair will be shown. For each provider, you will see:

• Service name
• Indicative price (a rough quote)

Remember: the listed price is only for reference. The exact exchange rate depends on the rate at the payment service’s website. To see the latest quotes, check the top right corner of the page — the price updates every half minute. You can also manually click the “Refresh” button for an instant quote.

Step 5: Check Payment Details

After specifying the amount and selecting a provider, the third section will display full payment details:

1. Name of the payment service you are working with
2. Total amount you need to send (including all fees)
3. Indicative exchange rate at the time of calculation
4. Expected amount of cryptocurrency you will receive after conversion

Carefully review this information before proceeding.

Step 6: Confirm Terms and Proceed to Payment

Read and agree to the payment service’s terms of use. Then click the “Continue” button. You will be redirected to the official website of the selected payment provider, where you will complete the payment operation.

As mentioned earlier, at this stage, you will need to complete KYC verification (if you haven’t done so already).

Step 7: Track Your Transaction

After successfully completing the payment, return to your account. To view your purchase history and track the status of your current transaction, go to the “Purchase History” section. There, all transaction details will be displayed: amount, status, date, and the amount of cryptocurrency received.

If you encounter any additional questions or difficulties during the process, refer to the FAQ section, where common situations and solutions are described in detail.