MoonPay Alternatives 2026: Fees and Plans Compared

If you want something other than MoonPay, the closest swaps are Transak, Ramp Network, Banxa, Mercuryo, Alchemy Pay and Coinbase. Ramp Network lists card, Apple Pay and Google Pay fees from 2.49%, and Transak lists bank transfer at 0.99% in euros. Coinbase is the one consumer exchange on the list, so it prices a purchase as a spread plus a fee instead of a ramp percentage.

MoonPay states fees as low as 1% for bank transfers and 4.5% for Visa cards on its buy page. The table below sets the published numbers for each alternative beside those. The sections after it cover pricing, who each product fits and where each falls short of MoonPay, with US state limits noted where each product's own pages list them.

MoonPay official site: moonpay.com

How to Choose a MoonPay Alternative

Start with where you will buy, because most of these products work in two modes. MoonPay, Transak, Banxa, Mercuryo and Alchemy Pay each sell a ramp that sits inside other wallets and apps, and each also runs a direct checkout. Ramp Network now presents a consumer app with a self-custodial wallet. A partner app can add its own fee on top, and MoonPay's own help center says so.

A worked example shows how the percentages translate. A $500 card purchase at MoonPay's 4.5% Visa ceiling costs $22.50. At Ramp Network's card starting fee of 2.49% it costs $12.45, and at Alchemy Pay's up to 3.99% plus 0.40 USD it costs $20.35. These are starting or ceiling figures, and each product shows the exact total at checkout before you confirm.

Bank transfers cost far less than cards on every product that publishes both. MoonPay lists as low as 1% for bank transfers, Ramp Network lists Easy Bank Transfer from 1.99%, and Transak lists SEPA at 0.99% in euros. If your bank is supported, funding by transfer cuts the fee by more than any other choice on this page.

• Payment method: card, Apple Pay, Google Pay or bank transfer.
• Region: US state limits differ by product.
• Direction: buy only, or sell back to a bank as well.
• Spread: some vendors state a range and others state none.
• Context: a direct app or a ramp inside your wallet.

Transak: Wallet-Embedded Ramp With a Stated Spread

Transak describes itself as a payment rail for any financial application, with a consumer web app as well. Its homepage shows on and off ramps inside wallets and names Trust Wallet. If you buy inside a supported wallet, Transak is often what appears at checkout.

Its help center lists on-ramp fees that depend on currency and method. Apple Pay and Google Pay cost 3.5% with a EUR 1 minimum in euros and 5.5% in other currencies. Card costs 3.5% plus EUR 1 in euros and 5.5% plus EUR 1 in other currencies. SEPA costs 0.99% with a EUR 1 minimum. Those tables are in euros, and Transak's USD percentages for US buyers are not on the page we checked.

Transak is one of the few vendors here that states a spread. It prices from the CoinGecko rate and adds 0% to 2.5%, included in the displayed rate. Off-ramp fees run 0.99% by euro card with a EUR 3.49 minimum, 4.99% by non-euro card with a EUR 5.99 minimum, and 0.6% by SEPA with a EUR 3 minimum.

Transak lists 136 plus cryptocurrencies across 45 plus blockchains and more than 25 countries, with the USA listed under NMLS ID 2362652. It falls short of MoonPay on country count, since MoonPay lists buying in 150 plus countries.

Ramp Network: Consumer App With Low Starting Fees

Ramp Network now presents itself as a consumer app with a self-custodial wallet for buy, sell and swap. It also says it is trusted by 250 plus industry leaders, so it still serves integrators. For a user with no wallet yet, this is the closest match to MoonPay's direct app.

Its buy fees start low. SEPA starts at 0.99%, Easy Bank Transfer at 1.99%, and card, Apple Pay or Google Pay at 2.49%. Pix starts at 0.94% and PayPal at 1.95% in the UK only. A minimum fee may apply, though Ramp Network does not state the amount.

Sell fees are listed with minimums. Card sells cost 4.49% with a EUR 1.99 minimum. US bank transfer or SEPA costs 2% with the same minimum. Pix costs 1% with that minimum, and SPEI costs 1% with a EUR 2.99 minimum. The minimums are waived for sales started in the mobile app.

State coverage is the main limit. Ramp Network lists the US as supported but excludes Louisiana, Minnesota, Nevada, New Jersey, New York, Pennsylvania, Vermont, Washington and Puerto Rico. MoonPay's unsupported-countries list, updated 5 October 2026, does not include the US, though state limits can still apply.

Banxa: Developer Platform With a Published Spread Range

Banxa presents itself as a business platform with APIs, SDKs, on and off ramps and wallets, and a Buy Crypto checkout for individuals. It lists 180 plus supported countries including the United States, with the list modified on 9 November 2026.

The only fee article we found is for its EU entity, EU Internet Ventures, modified 15 May 2025. It lists a 1.99% processing fee for card or Apple Pay purchases plus a network fee, and 0% for other payment methods. Selling through SEPA is 0%. A US fee schedule is not on that page, so US buyers should read the quote at checkout.

The same article states the spread. For buys it is typically 2% to 4%, with a maximum of 15%. A partner spread of typically 0% to 1% and a recovery spread of typically EUR 0 to 1 (maximum EUR 5) can be added. For sells it is typically 2% to 4%, with a maximum of 10%. On a $500 buy, a typical 2% to 4% spread is $10 to $20, which can exceed the processing fee.

Banxa falls short of MoonPay for US consumers who want a published all-in number, because its published fee table covers the EU entity. It fits teams that need an API and buyers who reach it through a partner checkout.

Mercuryo: Ramp Inside MetaMask and Trust Wallet

Mercuryo works as ramp infrastructure for wallets and apps and as a direct app and wallet. Its homepage names MetaMask and Trust Wallet as ways to reach it. Receiving crypto in the Mercuryo wallet carries no fee.

Its help center lists buying up to 5.5% with a EUR 1 minimum, selling up to 3.95% with a EUR 4 minimum, and a 3.95% average fee. Card and mobile pay run up to 5.5% with a EUR 1 minimum. Bank transfer runs up to 3% with a EUR 2 minimum. Paying in a non-euro currency adds 0.25% to 1%, and a partner infrastructure fee typically adds 0% to 2%.

Mercuryo states a minimum buy or sell of EUR 25 for most assets. It does not give a spread percentage and says the spread is embedded in the displayed price.

The on-ramp is available in the United States, but Mercuryo marks the United States as unsupported for Visa and Mastercard payouts on the off-ramp. That limit makes it a weaker fit than MoonPay for a US user who wants to sell back to a card.

Alchemy Pay: Card Fee and Order Limits Stated

Alchemy Pay is mainly a business on and off ramp, with a consumer widget for direct purchases. Its support center says cards, including Apple Pay and Google Pay, typically cost up to 3.99% plus 0.40 USD. An older article marked two years ago lists 4.0% for Visa and Mastercard, so treat that figure as dated.

Alchemy Pay publishes order limits. The minimum is USD 15 and the maximum is USD 2,000 per payment. At the maximum, a 3.99% fee plus 0.40 USD is $80.20, against $90 at MoonPay's 4.5% ceiling. Payment methods are Visa, Mastercard, Apple Pay and Google Pay globally, with ACH in the United States.

Alchemy Pay lists coverage in over 170 countries, and its homepage news says a Mississippi money transmitter license brings US coverage to 20 states. That means not every state is served, so a US buyer should check the state list before funding.

It offers an off-ramp, but we found no published off-ramp fee, and no spread figure. It falls short of MoonPay on sell-side transparency.

Coinbase: An Exchange Account Instead of a Ramp

Coinbase is a full exchange and wallet app rather than a one-off ramp. Its help page says fees depend on payment method, size, location and asset, and are shown in the trade preview. It says Coinbase may also charge a 1.875% fee that varies by payment method, plus a 1% fee on limit orders.

Simple buy and sell quotes include a spread with no percentage stated, and Coinbase Advanced has no spread. Coinbase One means zero trading fees, but a spread may still apply. Coinbase publishes no per-method card or bank percentages on the pages we checked, so MoonPay's stated 1% to 4.5% range is easier to compare than Coinbase's total.

Coinbase fits a user who plans to keep buying and wants to hold, trade and withdraw in one place. It falls short of MoonPay for a user who wants a quick, fee-stated purchase sent straight to another wallet address. Its pages also say products may not be available in all regions.

When MoonPay Is Still the Better Fit

MoonPay stays the stronger choice when you want one stated fee range for both buying and selling. It lists buying in 150 plus countries, selling in 80 plus countries, and payouts to bank, Visa, Mastercard or PayPal, and to Venmo for US users.

MoonPay Balance also removes the fee on the buy or sell step. Paying from MoonPay Balance has no fee for buying or selling, though top-ups carry a small fee in the US and some EEA methods. A repeat buyer who tops up once by bank transfer can reduce the per-trade cost.

MoonPay also now runs a business line, announced as MoonPay Enterprise with stablecoin APIs for developers. If you need both a consumer app and an integration partner, one vendor covers both.

Who This Is Not For

This list is not for someone looking for a coin to buy or a return to chase. It lists payment products and their published fees. It does not say any asset is a good investment.

It also does not suit a buyer who needs a guaranteed all-in price in advance. Most products here show the final total only at checkout, and spread and partner fees can add to the quoted percentage.

What Would Change Our Answer

A change in any vendor's fee table would change this comparison. MoonPay's old fees article now returns an error, and Alchemy Pay's older fee article conflicts with its current one, so check the live page before you buy.

Your location changes it as well. A buyer in a state that Ramp Network or Alchemy Pay excludes loses those options. A buyer paying from a euro bank account faces different Transak and Banxa tables than a buyer paying in dollars.

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