MoonPay

MoonPay is a global crypto payment platform founded in 2019, headquartered in the United Kingdom, serving over 180 countries and 35 million verified accounts. The platform provides consumer buy/sell/send/receive crypto services, the MoonPay Commerce merchant payment product, and MoonPay Enterprise stablecoin APIs for developers.

For consumers, MoonPay offers the easiest way to buy, sell and use crypto everywhere, supporting payment methods including Apple Pay, Google Pay, Visa, Mastercard, PayPal, Venmo, bank transfers, SEPA, Faster Payments, Revolut Pay, Interac and Paysafe. The platform also offers MoonTags — a feature for sending and receiving crypto instantly without wallet addresses or chain selection. MoonPay is one of the most reviewed and highest-scoring crypto platforms, with over 100,000 Trustpilot reviews.

MoonPay Commerce (enhanced by the January 2025 acquisition of Helio for approximately $175M) lets merchants accept crypto and stablecoin payments directly in their product, with crypto checkout, crypto deposits, pay links, pay-with-card and widgets/plugins across web, app and Shopify. MoonPay Enterprise provides stablecoin APIs for developers building regulated stablecoin payment and treasury infrastructure. As of August 2026, MoonPay continues to expand its commerce and enterprise product lines.

Best for: Merchants, wallets and platforms that want an all-in-one crypto payment partner for consumer on/off-ramp, merchant checkout and stablecoin infrastructure, with the broadest country and payment-method coverage available.

MoonPay charges percentage-based fees typically in the 3–5% range for consumer buy/sell transactions, varying by payment method, region and asset. MoonPay Commerce merchant pricing is structured separately.

Cost model

• Consumer buy/sell fee — percentage-based, typically 3–5%, varies by payment method (card, Apple Pay, bank transfer) and region.
• MoonPay Commerce — merchant processing fee for crypto checkout, deposits and pay links; structured per integration and volume.
• Network fees — underlying blockchain gas applies for on-chain crypto delivery.
• Card scheme fees — Visa/Mastercard processing costs apply for card-based purchases.

Settlement

• Consumer — crypto delivered to the user’s wallet at chain finality; sell transactions remit fiat to bank, card or MoonPay Balance.
• Commerce — merchants receive crypto instantly or auto-convert to fiat (USD, EUR, GBP) in supported regions.
• Direct buyer-to-merchant payments — no middlemen, no card-network routing.

Refund handling

• Failed fiat transactions are refunded per the underlying payment method’s rules; crypto delivered on successful purchase is non-reversible.

Consumer — buy, sell, send & receive

• Buy crypto — instantly with Apple Pay, Google Pay or card; PayPal, Venmo and bank transfers in select regions.
• Sell crypto — instantly at the best available rate directly to bank, card or MoonPay Balance.
• Send & Receive — instant crypto transfers with MoonTags — no wallet addresses, no chains.
• 180+ countries and 35M+ verified accounts.

MoonPay Commerce — accept crypto payments

• Crypto checkout — accept crypto payments across web, app and Shopify.
• Crypto deposits — let users move supported tokens into your app; ideal for gaming balances, embedded wallets and trading apps.
• Pay links — sell subscriptions, content and products in minutes.
• Pay with card — let non-crypto users pay while you receive crypto.
• Widgets and plug-ins — SDKs and embeds that drop into your product fast.
• No middlemen — direct buyer-to-merchant payments instead of routing through card networks.

MoonPay Enterprise — stablecoin APIs

• Stablecoin APIs for developers building regulated stablecoin payment and treasury infrastructure.

Integration & compliance

• No-code and low-code options for fast launch; headless APIs and webhooks for scale.
• Customizable UX to match your brand; enterprise-grade infrastructure and compliance.
• Supported by major wallets and platforms including MetaMask, Phantom, Exodus, Ledger, Uniswap and Jupiter.