Moon (paywithmoon.com) lets you pay with crypto almost anywhere online. You buy Moon Visa® prepaid virtual cards with Bitcoin, Lightning, USDT, USDC or ETH, and they're loaded in USD and ready to use straight away. Moon also sells merchant gift cards from hundreds of brands, paid in crypto. At Bitnxt, we looked at how Moon works, which coins it accepts and what to check before you use it.
What Is Moon?
Moon is a crypto payments service that turns crypto into virtual prepaid Visa cards for online shopping. A virtual card is a digital card number you can use at checkout. According to Moon, its cards keep your personal information away from merchants, all data is encrypted, and Moon is not a custodial service. Moon has been featured in CoinDesk, TechCrunch, Bitcoin Magazine, Yahoo Finance and Decrypt.
Supported Cryptocurrencies
You can buy Moon Cards with:
- Bitcoin (BTC), on-chain
- Bitcoin via the Lightning Network
- Tether (USDT on TRC-20)
- USD Coin (USDC on ERC-20)
- Ether (ETH)
Moon says you can pay from your favourite wallet, and shows Xverse and MetaMask as examples. Always send on the exact network shown at checkout, for example TRC-20 for USDT.
Where Can You Use Moon Cards?
Moon Cards work where Visa is accepted online. Moon highlights merchants such as eBay, Airbnb, Walmart, iHerb, Netflix and Costco. Acceptance can still depend on the merchant: some retailers block prepaid cards or check billing details, so it's worth testing a small purchase first.
Merchant Gift Cards
To work around merchants that don't accept prepaid cards, Moon also sells merchant-branded and prepaid gift cards from hundreds of brands, paid in Bitcoin, USDT and other crypto. Moon advertises instant discounts at many popular stores.
How Moon Works
- Sign up for a Moon account at paywithmoon.com.
- Choose a Moon Visa card amount or a merchant gift card.
- Pay with BTC, Lightning, USDT, USDC or ETH from your wallet.
- Your virtual card is loaded in USD and ready to use right away.
- Enter the card details at an online checkout.
Fees
Moon says it charges no trading fees and offers some of the lowest fees in the market. There may still be card fees, crypto network fees and currency conversion costs for purchases outside USD. Check the current fee breakdown in your Moon dashboard before buying.
Regions and Restrictions
Moon Cards are loaded in USD and are meant for online use. Eligibility, limits and verification rules depend on Moon's terms and may vary by country. Check availability for your location when you sign up.
Refunds and Support
Crypto payments can't be reversed, and prepaid card balances and gift cards are generally non-refundable. For merchant refunds, the money usually returns to the card. Contact Moon support for card or order issues.
Is Moon Safe?
Moon uses encryption, is non-custodial and hides your personal details from merchants. Keep your card details private, use only the official paywithmoon.com site, and check the network and address before sending crypto.
Moon vs Other Crypto Gift Card Services
Moon stands out because it issues prepaid Visa cards, which you can use at almost any online store, not just at a list of gift card brands. Bitrefill and CoinGate Gift Cards offer bigger gift card catalogues, while KryptoMate is another option for crypto-paid cards. Compare all platforms in the Bitnxt crypto gift cards directory.
Pros and Cons
Pros
- Virtual Visa cards usable at many online merchants
- Pay with BTC, Lightning, USDT, USDC or ETH
- Cards are ready to use instantly
- Non-custodial and keeps your details private from merchants
- Merchant gift cards with discounts
Cons
- Some merchants reject prepaid cards
- Cards are loaded in USD only, so other currencies may add conversion costs
- Designed for online shopping, not in-store
- Crypto payments can't be reversed
Who Is Moon For?
Moon suits crypto holders who want to shop online at regular merchants, Lightning users who want fast payments, and privacy-minded shoppers who'd rather not share card details with stores. It's less suited to in-store shopping or merchants that block prepaid cards.
Bitnxt Verdict
Moon is one of the more flexible ways to spend crypto online. Its prepaid Visa cards reach far beyond a fixed gift card list, and merchant gift cards fill most gaps. Try a small purchase first, check fees in your dashboard and always use the correct network.
Frequently Asked Questions
What is a Moon Card?
It's a prepaid virtual Visa card you buy with crypto. It's loaded in USD and can be used for online shopping.
Which cryptocurrencies does Moon accept?
Bitcoin (on-chain and Lightning), USDT (TRC-20), USDC (ERC-20) and ETH.
Where can I use Moon Cards?
Online, wherever Visa is accepted, including merchants such as eBay, Airbnb, Walmart, Netflix, Costco and iHerb. Some merchants may not accept prepaid cards.
Does Moon sell gift cards?
Yes. Moon sells merchant-branded and prepaid gift cards from hundreds of brands, paid in crypto.
Is Moon custodial?
According to Moon, it is not a custodial service, and all data is encrypted.
How fast can I use my Moon Card?
Moon says cards are loaded in USD and ready to use as soon as your payment is confirmed.
Disclaimer: This review is for information only and is not financial advice. Crypto is volatile, and fees, supported coins, merchant acceptance and eligibility change often. Always check the latest terms on Moon before buying.
