Overview
Simplex is a fiat-to-crypto gateway designed to connect traditional payment rails with the decentralized asset ecosystem. It provides businesses and platforms a streamlined path for enabling users to purchase digital assets using familiar payment methods, while minimizing operational and financial risk. The service emphasizes security, fraud prevention, and regulatory compliance, positioning itself as a trusted partner for exchanges, wallets, custodians, and fintechs that want to expand access to crypto without shouldering chargeback exposure or complex payment infrastructure.
Core Capabilities
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Instant fiat-to-crypto conversion: Simplex enables near-instant settlement from fiat payment methods to crypto assets, accelerating onramps for end users and reducing friction during the purchase process.
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Comprehensive fraud prevention and zero chargeback guarantee: The platform provides advanced anti-fraud tools and underwriting processes designed to eliminate chargeback risk for partners. This includes identity verification, transaction monitoring, and proprietary risk scoring.
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Multiple payment methods: Simplex supports credit and debit cards (Visa, Mastercard), digital wallets like Apple Pay and Google Pay, bank transfer rails such as SEPA and ACH, and regional alternatives like PIX, as well as 570+ alternative payment methods via Nuvei integration.
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Wide asset and fiat coverage: The service gives access to 200+ cryptocurrencies and 100+ fiat currencies, enabling platforms to offer broad asset choice to their customers with a single integration.
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Customizable integration and developer-friendly APIs: Simplex provides flexible APIs, a customizable UI, and dynamic UX options so partners can tailor the purchase flow to their brand and product design while maintaining fast implementation times.
Security and Compliance
Security and regulatory compliance are central to Simplex’s value proposition. The company operates under EU financial licensing frameworks and adheres to relevant AML/KYC standards, ensuring transactions are processed in line with regional regulations. The platform’s fraud prevention stack and underwriting model are marketed as delivering “100% fraudless” transactions and a zero-risk profile for partners, which helps platforms scale payment acceptance without inheriting chargeback or fraud liabilities.
Integration, Support, and Performance
Simplex emphasizes rapid, flexible integration backed by attentive technical support. Partners benefit from developer documentation, APIs, and a customizable interface to embed buy flows directly into wallets, exchanges, or apps. The company also highlights award-winning end-user support available 24/7 with service level agreements (SLAs), which helps maintain high conversion rates and user satisfaction. Multiple acquiring solutions and optimization for conversion performance are also positioned as key operational benefits.
Global Reach and Use Cases
With coverage in 190+ countries and 245+ global markets cited across marketing materials, Simplex targets businesses that need global payment acceptance for crypto purchases. Typical partners include hardware wallets, custodial and non-custodial wallets, centralized exchanges, decentralized platforms seeking fiat rails, and fintech companies expanding into digital assets. The single-integration model and broad asset support reduce the complexity of offering many currencies and payment methods across diverse jurisdictions.
Why choose Simplex
Simplex is recommended for businesses seeking a turnkey, low-risk fiat-to-crypto onramp with strong fraud protection, wide global reach, and flexible integration options. It’s particularly suited for partners who prioritize chargeback protection, developer-friendly APIs, and a customizable buying experience, while also requiring access to many fiat and crypto options through a single provider.
Getting started
To evaluate Simplex, teams typically review supported countries and assets, examine API documentation, test the customizable UI, and engage with the integration team to map out settlement, compliance requirements, and support SLAs. For many partners, the promise of removing chargeback exposure and leveraging a mature fraud-prevention stack is a decisive factor in selecting Simplex as their fiat payment partner.
