> For the complete documentation index, see [llms.txt](https://docs.universalx.app/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.universalx.app/use/creating-and-funding-a-universal-account/dont-have-crypto-buying-with-cash.md).

# Don’t Have Crypto? Buying with Cash

{% embed url="<https://youtu.be/-WLV7DwqAGs>" %}

UniversalX lets you buy tokens directly using cash through its integration with third-party onramp providers. You can do this with debit or credit cards, Apple Pay, and Google Pay.&#x20;

**To buy crypto with cash on UniversalX:**

1. In your **Home** or **Account** screen, click “**Add Cash**”.

<figure><img src="/files/SN71j6xeAyjx4QIWxW5J" alt=""><figcaption><p>You can find the "Add Cash" button in two different UniversalX sections.</p></figcaption></figure>

2. **Specify your purchase details:**

* Enter the amount of cash (e.g., USD) you wish to spend.
* The system will pre-select the most convenient receiving option for you (e.g., USDC on Arbitrum).

<figure><img src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXdJN8UVmQLSdL71N5xhKFMogdhD0Cq0-nTlOj8PBK8lji9L2cqF_yPjYIrYt8j7tHEEDUFAGzKWWLGks8jCvkVV5P7SaqT_evGdgftnupS1jTXWLCVCf0nUQV4zlA4ynkMqsU1klQ?key=wlHA0jfqTwFPFtw8G_qznu2O" alt=""><figcaption><p>Specifying your desired purchase to buy crypto with cash.</p></figcaption></figure>

3. &#x20;**Confirm and proceed**

* Review the displayed conversion rate and the amount you'll receive. The onramp provider will take a fee for their services.
* Click "Buy" to continue.<br>

4. **Choose your payment method and complete the purchase.**

* Select your preferred payment option:
* Google Pay/ApplePay.
* Credit or debit card (Visa/Mastercard).
* Confirm your choice, enter any necessary information, and click the respective payment option button. Follow any prompts to finalize your payment.
* After completing the payment, your tokens will be credited directly to your Universal Account balance. This may take between 30 minutes and an hour in some cases.

<figure><img src="https://lh7-rt.googleusercontent.com/docsz/AD_4nXcYarrK3c1gigju3z8prG6XZizLflX03Mv4wFnW1pD2sLPR2LiCM1_3v3wR8_lByIHKie9f-iImI1_kFPhiD-vVs-O--kspXw4cjimjsTk6dCEhUx1YqFYAchsuTCGMO5K6DwTJsg?key=wlHA0jfqTwFPFtw8G_qznu2O" alt=""><figcaption><p>Selecting a payment method to buy crypto with cash.</p></figcaption></figure>

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