How to Buy Crypto with MoonPay
8 of the 80 exchanges we track accept MoonPay deposits, ranked by CWR Score. The list below is checked against your country.
On this page
On this page
- Exchanges that accept MoonPay
- About buying crypto with MoonPay
- MoonPay history
- MoonPay and crypto
- How to buy crypto with MoonPay
- Can you buy crypto instantly with MoonPay?
- Fees when buying crypto with MoonPay
- Who you are actually contracting with
- How to choose an exchange that accepts MoonPay
- MoonPay pros and cons
- MoonPay FAQ
Every exchange that accepts MoonPay, checked for your country
Exchanges with a CWR Score of 7 or higher and no security incident in the last 12 months.Every exchange that accepts MoonPay.
WEEX
- Access to over 2,062+ cryptocurrencies
- High leverage up to 400x
BTCC
- BTCC has a long history and has never been hacked
- High leverage up to 500x
Gate
- Supports 2,046+ cryptocurrencies
- Offers leverage up to 200x
BingX
Phemex
- Low fees for cost-effective trading
- No KYC requirements
dYdX
- Fully decentralized, non-custodial trading platform
- No mandatory KYC for trading
MEXC
- Large selection of altcoins for spot trading
- Low futures trading fees
No tracked exchange offers MoonPay deposits in your country
Pick a different country above, or browse all reviews.
Also accepting MoonPay, but restricted in your country: Bybit, WEEX, BTCC, Gate, BingX, Phemex, dYdX, MEXC,
About buying crypto with MoonPay
MoonPay is a payment gateway that turns ordinary money into crypto. It isn’t an exchange itself. It’s the company that appears inside someone else’s checkout, takes your card or bank payment, and delivers crypto to a wallet address. Its app store listings cite over 35 million users across more than 180 countries.
When you pay an exchange with MoonPay, you select it on the buy screen, enter an amount, and verify your identity with MoonPay if you haven’t already. You pay from an account in your own name. You don’t have to hand the exchange your card details, since MoonPay handles the payment. The trade-off is that purchases are final once the crypto is delivered, so a card chargeback won’t undo them.
The list at the top of this page shows the exchanges that accept MoonPay.
MoonPay history
MoonPay was co-founded by Ivan Soto-Wright and launched as a simple service for converting ordinary money into crypto. Over time it added buying NFTs with cash, a no-code platform for partners, and recurring buy orders.
One milestone matters to anyone paying with it: MoonPay became the first company to embed PayPal directly inside its infrastructure, letting people in the United States buy crypto through a PayPal wallet transfer, bank transfer, and debit card. It served over 15 million users around the time of that partnership. Its app store listings now cite over 35 million users and availability in more than 180 countries.
MoonPay and crypto
MoonPay runs its own app and website where you can buy, sell, and swap crypto directly, covering more than 170 coins including Bitcoin, Ethereum, Solana, XRP, and the main stablecoins. It handles one-time purchases and recurring buy orders, and swaps across more than 2,000 pairs with no processing fees.
There’s also a MoonPay Balance feature. You top up a balance in euros, pounds, or dollars and use it to buy crypto, which makes those transactions zero-fee.
The model is non-custodial, so MoonPay doesn’t hold your crypto. Whatever you buy goes straight to your own wallet. That’s true whether you buy through its own app or use it to fund an exchange account.
How to buy crypto with MoonPay
These steps work at any exchange that accepts MoonPay.
- Pick an exchange. Choose one from the list at the top of this page and open its deposit or buy screen.
- Verify your account. Complete the exchange’s identity checks, and MoonPay’s own checks when it’s your first purchase.
- Choose MoonPay. Select it as your payment method and enter the amount you want to spend.
- Check the quote. Compare the crypto amount quoted against the spot price before continuing, since that difference is the real cost.
- Pay in your own name. Pay by card, bank transfer, or another supported method using an instrument that belongs to you.
- Buy and confirm. Wait for delivery and keep MoonPay’s confirmation separately from the exchange’s.
Can you buy crypto instantly with MoonPay?
It depends on how you pay. Card payments and Apple Pay or Google Pay usually complete in minutes, with the crypto delivered straight to your wallet. Bank transfers take longer because the underlying payment rail is slower, so you might be waiting until the next working day.
A few things can slow a payment down. Weekends and bank cut-off times hold up transfers. A first-time purchase adds identity checks before anything moves. And since MoonPay verifies each buyer itself, a payment from an account that isn’t in your name can be stopped.
Fees when buying crypto with MoonPay
MoonPay charges a fee plus a spread. The fee starts from 1% when you pay by bank transfer, and it separately prices the crypto at a rate that includes a margin over the market. Paying from a topped-up MoonPay Balance is zero-fee. On top of that, an exchange may add its own deposit fee or a wider price on instant buys.
The quoted total is honest. What it buys you is simply less crypto than the same money would on an exchange order book. Before you confirm, compare the crypto amount quoted against the spot price, because that gap is the real cost.
Who you are actually contracting with
This is the part on-ramp widgets obscure. When you buy through MoonPay, your counterparty is MoonPay, not the exchange whose page you started on. MoonPay takes your payment, runs its own identity checks, holds its own records and answers its own support tickets.
The practical consequence is that a stuck or failed transaction has to be resolved with MoonPay. The venue can usually confirm whether the crypto arrived and nothing more. It has no visibility into a payment that never reached it.
So keep both sets of references, and go to the right party. Sending a MoonPay payment problem to exchange support costs days before anyone tells you to go elsewhere.
How to choose an exchange that accepts MoonPay
The exchanges that accept MoonPay sit in the list at the top of this page. When you compare them, look at the total cost shown before you confirm, since that’s what you actually pay. Check how long account verification takes, and whether you can withdraw back to MoonPay if you ever want to cash out. Look at which coins each one lets you buy, and at its security record.
Worth knowing: most of these venues also accept a plain bank transfer or card, and buying on the order book after a deposit is usually cheaper than the widget.
MoonPay pros and cons
What we like
- Fast: a card purchase can complete in minutes.
- Delivers straight to your own wallet, since the model is non-custodial.
- Nothing extra to sign up for beforehand, as it’s embedded in the checkout.
- Paying from a topped-up MoonPay Balance avoids the fee.
What holds it back
- A percentage fee plus a spread on the rate, so more expensive than an exchange order book.
- Separate identity verification and separate support from the exchange.
- Purchases are final; a card chargeback won’t undo a delivered transaction.
- Limits are tiered by your verification level, so a basic account can buy less.
MoonPay FAQ
Yes. MoonPay verifies each buyer and expects the card or bank account to be in your own name. A payment from someone else’s account can be stopped before any crypto is delivered.
MoonPay supports selling crypto back to supported payment methods, so you can cash out through it. Whether a given exchange routes withdrawals back through MoonPay is a separate question, so check that exchange before you rely on it.
Contact MoonPay. Your counterparty for the purchase is MoonPay, not the exchange, and the exchange has no visibility into a payment that never reached it.
Yes, separately with MoonPay. Its checks are its own and don’t carry over from the exchange. Your verification level also sets how much you can buy.
No, not as a way of undoing it. The crypto has been delivered and a chargeback will be treated as a recoverable debt.
Most exchanges let you deposit by bank transfer or card directly and buy on the order book. That route is usually cheaper, since the fee and the spread are both smaller.







































