Where Can My Client Buy Crypto in the US, UK, Canada and Other Countries?
Quick answer: Your client can buy Bitcoin or USDT in minutes using Coinbase (US, UK, Canada, 100+ countries), Cash App (US, UK), PayPal (US), MoonPay (180+ countries), or a Bitcoin ATM (30,000+ machines in the US alone). Once purchased, they send it to your FlipEx wallet address and you convert it to Naira instantly.
If you are a Nigerian freelancer, service provider, or business owner who gets paid by clients abroad, you have probably had this conversation: your client wants to pay you, but they do not know how to buy crypto. Or your family abroad wants to send you money, but traditional remittance fees eat 5-10% of every transfer.
In this guide, we will provide information that will guide your client to buy and send you crypto smoothly. Bookmark it, send it to your client or family member, and let them follow the steps. Once they have bought the crypto and sent it to your FlipEx wallet address, you convert it to Naira in minutes.
Why Crypto Is the Best Way to Pay Someone in Nigeria
Traditional international transfers to Nigeria come with significant costs and delays. The World Bank reports that the average cost of sending $200 to Sub-Saharan Africa is 8.78% in fees (Q1 2025). A bank wire from the US to Nigeria can take 3-5 business days and cost $25-$50 in flat fees on top of unfavourable exchange rate markups.
Crypto eliminates both problems. A USDT transfer on the TRC-20 network costs approximately $1, confirms in 1-3 minutes, and the recipient in Nigeria converts it to Naira at the live market rate on FlipEx. No intermediary bank. No hidden spread. No waiting days.
The Easiest Ways to Buy Crypto by Country
Every platform below allows your client to buy Bitcoin or USDT with a bank card, bank account, or cash in minutes. The list is organised by country, starting with the most common client locations for Nigerian freelancers and service providers.
Where Can My Client Buy Crypto in the United States?
Cash App (Simplest for Bitcoin)
Cash App is the easiest option for US clients who have never bought crypto before. It is a mainstream app that most Americans already have on their phones. Your client opens Cash App, taps the Bitcoin tab, enters the dollar amount, and buys instantly. They can then send Bitcoin to your FlipEx wallet address from within the app.
- Supports: Bitcoin only (no USDT)
- Payment: Linked US bank account or debit card
- Fees: 1.5-2.5% spread
- Speed: Instant purchase, Bitcoin withdrawal takes 30-60 minutes
- KYC: Required for Bitcoin purchases
Coinbase (Most Trusted, Widest Selection)
Coinbase is the largest regulated crypto exchange in the US with 100+ million users. Your client creates an account, verifies their identity, links a bank account or debit card, and buys Bitcoin or USDT. They can then send it directly to your FlipEx wallet address.
- Supports: 250+ cryptocurrencies including Bitcoin, USDT, ETH
- Payment: Bank account (ACH), debit card, PayPal, Apple Pay, Google Pay
- Fees: 0.5-1.5% for standard buy; higher for instant debit card purchases (up to 3.99%)
- Speed: ACH takes 1-3 days to clear; debit card is instant
- KYC: Government-issued ID required
PayPal (If They Already Have It)
PayPal allows US users to buy Bitcoin, Ethereum, Litecoin, and Bitcoin Cash directly within the PayPal app. Although PayPal initially restricted its users from sending crypto to external wallets and exchanges, eligible PayPal users in the US can now send crypto to external wallets and exchanges. As long as your client's US PayPal account has satisfied the KYC verification requested for crypto transactions, they can withdraw supported assets directly from PayPal to your FlipEx address.
Bitcoin ATMs (Cash, No Bank Account Needed)
The US has over 30,000 Bitcoin ATMs. Your client can walk into a convenience store, gas station, or mall, insert cash, and receive Bitcoin to any wallet address. Most ATMs require a phone number and some require ID for larger purchases. Fees are typically 5-15% which makes this the most expensive option, but it works for clients who prefer cash or do not have a bank account linked to a crypto platform.
- Major operators: Bitcoin Depot (9,200+ machines), Coinflip, Athena
- Find a machine: coinatmradar.com
MoonPay / Paybis (Buy and Send Directly to Any Wallet)
MoonPay and Paybis are crypto on-ramps and they work like a checkout screen. Your client enters a wallet address (your FlipEx address), pays with a debit card, and the crypto is sent directly to that address. No account needed on the exchange. No withdrawal step. This is the simplest option if your client does not want to create an exchange account.
- Supports: 90+ cryptocurrencies including USDT (TRC-20 and ERC-20)
- Payment: Debit card, credit card, Apple Pay, Google Pay, bank transfer
- Fees: 3.5-5.5% for card payments
- Available in: 180+ countries (not just the US)
Where Can My Client Buy Crypto in the United Kingdom?
Coinbase UK
Coinbase operates in the UK with FCA registration. UK clients can buy crypto with a UK bank transfer (Faster Payments), debit card, or PayPal. Bank transfers are free; debit card purchases incur a fee. USDT and Bitcoin are both available.
Cash App UK
Cash App launched in the UK and supports Bitcoin purchases. UK clients can link a UK debit card, buy Bitcoin, and send it to your FlipEx wallet address.
Kraken
Kraken is an established exchange available in the UK. It supports bank transfers (SEPA/Faster Payments) and offers lower fees than Coinbase for larger purchases. Supports USDT and Bitcoin.
MoonPay / Paybis
Same as US — your client enters your FlipEx wallet address, pays with a UK debit card, and crypto is sent directly.
Where Can My Client Buy Crypto in Canada
Coinbase Canada
Available in Canada with Interac e-Transfer support. Your Canadian client can buy Bitcoin or USDT using Interac, which settles in minutes and has no fees on Coinbase.
Bitcoin ATMs
Canada has approximately 3,839 Bitcoin ATMs and is the second-highest in the world after the US. Toronto alone has over 400 machines. Your client can buy Bitcoin with cash at any machine and send it to your FlipEx address.
Shakepay (Canada Only)
Shakepay is a popular Canadian app for buying Bitcoin and Ethereum. It supports Interac e-Transfer for deposits and offers instant Bitcoin purchases with low fees. Available only to Canadian residents.
Where Can My Client Buy Crypto in Europe, Australia and Other Countries?
Coinbase, Kraken, MoonPay, and Paybis all operate across 100+ countries including Germany, France, Netherlands, Australia, UAE, and many others. The buying process is the same: create an account (or use MoonPay/Paybis for no-account purchases), verify identity, link a bank card, and buy crypto.
For countries where the platforms above are not available, your client can use a local crypto exchange or buy USDT from a peer-to-peer platform like Paxful. The key is that they send the crypto to your FlipEx wallet address once purchased then FlipEx handles the Naira conversion on your end.
What to Tell Your Client to Buy (USDT or Bitcoin?)
For recurring client's payments for your freelance work which may require monthly invoices, USDT on TRC-20 is the best choice because the value does not change during transit and the gas fee is consistently around $1. For one-time or irregular payments, Bitcoin via Cash App is the easiest for US clients.
What Happens on Your End (The FlipEx Side)
If your client want to send you crypto, here is what you do on FlipEx:
- Open the FlipEx app
- Go to Sell Crypto and select the asset (BTC or USDT)
- Copy your FlipEx deposit address for the correct network
- Share this address with your client (they paste it when sending from their platform)
- Wait for blockchain confirmation (1-30 minutes depending on asset and network)
- Once arrived, tap Sell at the live Naira rate
- Withdraw Naira to your Nigerian bank account
The whole process on your end takes under 5 minutes once the crypto arrives. For a complete step-by-step, see our How to Withdraw Crypto to Your Nigerian Bank Account guide.
Frequently Asked Questions About Where My Client Can Buy Crypto
What is the cheapest way for my client to send me crypto?
USDT on TRC-20 via Coinbase or MoonPay. Gas fee is approximately $1 regardless of the amount sent. Bitcoin fees are slightly higher at $1-$5. Avoid ERC-20 USDT which can cost $5-$50+ in gas.
Can my client buy crypto with a credit card?
Some platforms accept credit cards but many banks block crypto purchases on credit lines. Debit cards are more reliable. Coinbase, MoonPay, and Paybis all accept debit cards.
Does my client need to create an account?
Not if they use MoonPay or Paybis. These platforms work like a checkout. Your client enters your FlipEx wallet address, pays with a card, and the crypto is sent directly. For Cash App and Coinbase, an account is required.
What if my client is not in the US, UK, or Canada?
MoonPay operates in 180+ countries. Paybis covers a similar range. Coinbase is available in 100+ countries. Between these three, most countries are covered. For countries where none of these work, Paxful P2P is an alternative.
How long does it take for the crypto to reach my FlipEx wallet?
USDT on TRC-20: 1-3 minutes. USDT on SOL: under 1 minute. Bitcoin: 10-30 minutes. These times start from when your client confirms the send on their platform.
Can my client send crypto directly from PayPal?
Yes, eligible US PayPal users can buy crypto and send it to external wallets including your FlipEx wallet address.
Is there a minimum amount my client can send?
On FlipEx, the minimum sell amount is $1. Most buying platforms have minimums of $1-$10 for card purchases. Bitcoin ATMs typically have a $20 minimum.
Share This Guide With Your Client
Bookmark this page and send the link to your client, employer, or family member the next time they need to pay you or send money. They follow the steps above, you convert to Naira on FlipEx. No middleman, no hidden fees, no waiting days for a bank wire to clear.
Check the live rate before your client sends — use the FlipEx Rate Calculator to see exactly how much Naira you will receive.
