You can buy tokens in Phantom using Apple Pay, PayPal, a debit card, or a bank transfer. This is sometimes called "on-ramping" or "fiat to crypto"—converting traditional currency into crypto.
The purchase and delivery of your tokens is handled by a third-party on-ramp provider—not by Phantom. Phantom is an interface between you and the provider.
Buy tokens
Browser extension
To buy tokens, follow these steps:
- On the Home tab, click Buy. Or open any token, click More → Cash Buy to pre-fill the token.
- Choose the token you want to buy. Skip this if already prefilled.
- Enter the amount you’d like to purchase or choose one of the quick buy options.
- Choose a provider. Availability may vary by region.
- Log in or create an account with the selected provider.
- Complete your purchase by following the provider’s on-screen instructions.
Your tokens are deposited after the purchase completes.
Mobile app
To buy tokens, follow these steps:
- On the Home tab, tap Buy. Or open any token, tap More → Cash Buy to pre-fill the token.
- Choose the token you want to buy. Skip this if already prefilled.
- Enter the amount you’d like to purchase or choose one of the quick buy options.
- Choose a provider. Availability may vary by region.
- Log in or create an account with the selected provider.
- Complete your purchase by following the provider’s on-screen instructions.
Your tokens are deposited after the purchase completes.
Common issues
When you buy crypto through the Buy or Cash Buy buttons in Phantom, you're purchasing tokens through a third-party provider—not from Phantom. This means Phantom can't help with any of the following:
- Speed up or cancel purchases
- Issue refunds
- Access your provider account
- Resolve verification or KYC issues
If something goes wrong with a purchase, the provider is the only one who can help. See Contact information for on-ramp providers.
Payment declined or rejected
Your bank or card issuer may block crypto purchases by default. This isn't a Phantom issue—it's between your bank and the provider.
Try the following:
- Use a different payment method (debit card, bank transfer, Apple Pay).
- Try a different provider if multiple are available in your region.
- Contact your bank to authorize crypto purchases.
- Check that your card isn't expired or over its limit.
If the payment shows as pending or you see a temporary charge, contact the provider's support team.
Verification or account issues
Providers require identity verification (KYC) to comply with financial regulations. Phantom doesn't verify users, store your personal information, or review KYC submissions—that's handled entirely by the provider.
If verification fails, try the following:
- Make sure your ID is clearly photographed with all corners visible.
- Try a different phone number if SMS verification isn't working.
- Contact the provider's support team for help with stuck or rejected verifications.
- Try a different provider if one isn't working for you.
Account blocked by provider
If a provider blocks your account due to non-compliance with their terms and conditions or another reason, the restriction comes from the provider's compliance team—not Phantom. Phantom can't see why you were blocked or unblock your account.
Contact the provider's support team directly to learn why your account was blocked and how to resolve it.
Tokens haven't arrived
Purchases can take anywhere from a few minutes to several hours depending on:
- Verification steps (especially for first-time purchases)
- Bank processing times
- Network congestion
If your tokens haven't arrived, try the following:
- Check your email for a receipt or order confirmation from the provider.
- Look up the transaction status in the provider's app or website.
- Verify you're checking the correct wallet address and network.
- Contact the provider if the delay exceeds the timeframe shown in your receipt.
Only the provider can investigate order status and delivery issues.
Unexpected fees or limits
Fees, exchange rates, and purchase limits are set by each provider—not Phantom. These vary by provider, payment method, and region.
If you have questions about charges or limits, contact the provider directly or compare rates by trying a different provider.