Swapped.com: regional dealing, payment fees and wallet delivery

Swapped’s retail help states that company accounts are not supported for that route. This matters for a business owner attempting to pay from a corporate bank account even though the website also offers business integrations. The relevant question is whether the business is integrating the service for its customers or itself becoming the verified purchaser. The two relationships are not interchangeable.[10][33]

Swapped’s API documentation uses “handling_fee” for a combination described as a 1.92% spread and a static processing fee. That is a different use of the term from the fixed handling column on the public fee page. An integration can also request a partner markup within the documented 0–5 range. These components should be reconciled against the actual checkout calculation rather than mechanically added to every published percentage. The off-ramp documentation puts markup control with the owner account in the partner dashboard.[32][30][31]

The rest-of-world price explanation says the calculator refreshes every ten seconds and assumes payment is received immediately. A processing delay can therefore change the delivered amount. The EEA guide also describes ten-second updates, but says the price becomes binding at execution and can differ from the initial quote if payment is delayed. The displayed quote is not a standing limit order that remains executable indefinitely. The order confirmation records the amount actually agreed for execution.[11][12]

The public fee schedule says its network estimate updates every ten minutes. That cadence is different from the ten-second exchange-rate refresh. For a small order, the fixed processing and blockchain components can make the effective percentage materially larger than the headline payment rate. A useful comparison uses the same asset, network, fiat amount and payment method at the same time; comparing a card purchase with a bank-funded quote obscures the difference.[5][11]

Swapped’s bank-error guide says an incorrectly referenced transfer should be returned within one business day once handled. That is a provider process statement, not a guarantee that the receiving bank will credit the refund within the same period. The payment receipt, sending account, reference and order number are useful evidence when resolving an unmatched transfer. Sending another payment before locating the first can leave two payments to reconcile.[16]

Paysafecard refunds have a separate workflow that can require a Skrill account. Swapped instructs the customer to use matching email addresses across Swapped, Paysafecard and Skrill. This is materially different from assuming that every cancellation reverses directly to a bank card. The relevant refund method and any identification request should be established before treating an order marked cancelled as money already returned.[17]

The security guide describes a checkout account rather than a general wallet recovery service. A customer who loses access to the destination wallet needs the recovery procedure of that wallet; changing the Swapped login cannot recreate a missing private key. For an order that has not yet completed, access to the transaction email and order identifier helps support identify the correct payment and destination.[21][15]

The website advertises broad international coverage, but the EEA onboarding documents are not fully reconciled. A 30 June 2026 notice, still in the non-EEA help collection, says new EEA registrations halt from 1 July while earlier registrants can continue. The 7 July EEA help pages and current Northstake terms describe a Northstake-operated service. Those documents establish a regional operating arrangement; they do not prove that every new EEA applicant can currently complete registration through every partner. Eligibility needs to be resolved by the actual checkout and its named agreement.[22][18][6]

Source-of-funds review is separate from identifying the account holder. A bank statement can show the path of a payment without explaining how the money was earned. Swapped’s document guidance distinguishes supporting material for sources such as salary, savings or a sale. A large order can therefore remain under review even after identity verification was previously completed.[20]

The buy-review guide describes manual reviews as usually taking about ten minutes and sometimes up to thirty minutes. These are published estimates, not measured service levels. A payment success message, order approval and blockchain delivery are different records. The delivery guide says a completion email contains transaction information; checking that evidence can separate a completed on-chain transfer from an asset that the receiving wallet has not yet displayed.[14][15]

Northstake’s published complaints procedure provides acknowledgement within one week and a result within four weeks. Exceptional cases can extend to eight weeks with an explanation. It also describes escalation and supervisory contact. A supervisory complaint should not be described as an automatic compensation award, and the Swapped general complaint timetable should not be substituted for Northstake’s entity-specific procedure.[24][23]

For records, Swapped says a customer can request an annual trade summary by email. That summary is useful evidence of activity with this provider, but it is not a complete tax calculation covering other wallets or exchanges. The retained order confirmation and blockchain transaction link can help reconcile quantities, fees and destination addresses with the customer’s wider records.[25][15]

The ESMA entry was matched to Northstake’s exact legal name and LEI in the regulator dataset, last updated at file level on 19 October 2026. That establishes a specific authorised entity and listed services. It does not independently prove the availability of a particular asset, payment rail or new-customer application on the day of use. The unresolved EEA registration notice remains an access issue alongside the confirmed authorisation.[9][22]

Swapped’s company page says it was founded in Denmark in 2021 and reports more than three million users described as active, coverage across more than 150 countries, over 40 payment methods and more than 30 cryptocurrencies. These are company statements checked in October 2026. The page does not define an activity window for the user figure, so it cannot be treated as a verified monthly trading cohort or compared directly with another venue’s daily volume.[2]

Kado was acquired by Swapped in April 2025, according to the founder’s acquisition announcement; Kado’s current website presents the Swapped service. Kado is therefore relevant to the group’s product history and integrations, rather than a separate current exchange profile in this batch. A legacy Kado entry point should still be checked for the legal agreement displayed by the current transaction route.[35][34]

Operator

Swapped ApS and named regional affiliates; Swappedcom Inc. for the US; Northstake ApS for the EEA Ramp service

Exchange model

Centralised

Service scope

Quoted crypto buying and selling through direct and embedded Ramp checkout.

Client types

Retail clients

Pricing publication

Public and quoted pricing

Pricing scope

Public method charges plus an actual quote incorporating spread, network costs and possible partner markup.

Funding scope

Supported cards, payment wallets and bank routes for buys; crypto transfers with eligible fiat payouts for sales.

Custody and asset handling

Delivery to an external nominated wallet; the Northstake Ramp agreement excludes hosted custody.

Client eligibility

Verified individuals in supported locations; regional onboarding and payment restrictions apply. Public EEA new-registration guidance conflicts with newer service documentation.

Support

Customer support email and help centre; separate Northstake EEA complaints procedure.

Authorisation and registration scope

Northstake ApS exact-name and LEI match verified in ESMA for Danish CASP authorisation. Swapped regional corporate and registration descriptions do not establish universal group permission.

Exchange metadata checked 21 Oct 2026Source 1Source 3Source 4Source 6Source 9Source 5Source 22

The transactions endpoint separates completed, cancelled and pending states; a broadcast callback can precede final completion. Its fee fields and recorded crypto unit price are in EUR, and it provides a separate EUR total. The original order total remains in the currency identified by the order record. A business reconciling these values with a customer receipt therefore needs both the field definition and conversion context, rather than assuming every monetary field uses one currency.[32]

Transaction-record requests use a secret-key signature; the pricing endpoint identifies the merchant through its public API key. The documented merchant-endpoint ceiling is 100 requests per second. Partners should distinguish viewing records, configuring checkout and markup, and receiving notifications. These integration credentials do not replace a customer wallet’s private key, and the documented endpoints do not establish a retail API for leveraged trading.[32][30][33]

Swapped retries failed order notifications over a 24-hour window using increasing intervals, and its partner tooling allows permitted users to resend a callback. A failed webhook therefore does not prove the underlying crypto delivery failed. Reconciliation should check the order state and transaction evidence before a business repeats a customer-facing action. Callback processing also needs to handle a repeated notification without treating it as a second purchase.[29]

The documentation offers an AI integration assistant for questions about endpoints, authentication and webhooks. That is developer assistance; the reviewed description does not give the assistant authority to trade from a customer wallet or change a completed transfer. Payment approval, wallet control and partner administrative access remain separate decisions.[33]