We compared six MoonPay alternatives on features, fees and supported chains, and noted where each one falls short of MoonPay.
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The closest MoonPay alternative for US buyers is Ramp Network, which caps card fees at 3.9% against MoonPay's 4.5%. Below are six MoonPay alternatives and competitors compared on US state coverage, card and bank fees, and licenses, with US-available options first.
MoonPay is a fiat on-ramp and off-ramp for buying and selling crypto by card or bank, on its own site or inside partner wallets. In the US it runs as MoonPay USA LLC (NMLS 2071245), a licensed money transmitter in most states including New York. Its fee is up to 4.5%, with a minimum of up to $3.99. See the full MoonPay profile →
MoonPay's US pricing disclosure caps its fee at 4.5% for direct users, plus network fees. Ramp Network caps cards at 3.9% and manual bank transfers at 1.40%.
Small orders carry a minimum fee of up to $3.99, or $4.50 through partners, which is a large share of a $20 purchase.
Purchases in currencies other than USD add 0.25% to 10% to the minimum fee, per the same disclosure.
| Name | Best for | Custody | US availability |
|---|---|---|---|
| MoonPay ORIGINAL | Baseline | Custodial | Available via MoonPay USA LLC, licensed money transmitter in most states including New York |
| Ramp Network | Bank and ACH buys | Not verified | Available via Ramp Swaps LLC, a FinCEN-registered MSB; ACH purchases supported |
| Coinbase | Regular buyers | Custodial | All 50 states |
| Banxa | Buying inside a wallet | Custodial | Available via BNXA USA MTL Inc., FinCEN MSB with state money transmitter licenses |
| Wert | NFT and card checkout | Not verified | On-ramp available except AL, AK, HI, NV, NM, NY, OR, PR, USVI, VT, WA, WV |
| Guardarian | Wide coin choice | Not verified | Available via partner Bridge Building Inc., a FinCEN-registered MSB |
| Transak | Large wire purchases | Custodial | Not verified |
“Not verified” means we have not yet checked the value against the project’s own documentation.
Ramp publishes a cap per method: up to 3.9% on cards and up to 1.40% on manual bank transfers, and supports ACH in the US through Ramp Swaps LLC. Limitation: its US terms list state licenses in only nine states.
Instead of a per-purchase widget, you hold an account and can buy on the Coinbase Advanced order book at 0.40% maker / 0.60% taker. Limitation: coins stay with Coinbase until you withdraw them to your wallet.
Banxa runs in the US as BNXA USA MTL Inc. (NMLS 2347615) and mostly reaches users inside partner apps. Limitation: its published fee numbers are EU pricing (1.99% on cards plus a 2% to 4% spread), not a US schedule.
Wert is built for card checkout on NFT and dapp sites, and also sells crypto. Limitation: its on-ramp is unavailable in 12 US states and territories, including New York, and fees are set per partner.
Guardarian buys, sells and swaps 200+ coins and serves US customers through Bridge Building Inc., a FinCEN-registered MSB. Limitation: it has no public fee schedule, so the cost is only visible in the quoted rate.
Transak is mostly embedded in wallets and publishes fees by method: card 3.99% + $1, bank 2% + $1, wire 0.75% + $9, plus a 0% to 2.5% spread. Limitation: US availability is not stated in its terms.
For lower fees in the US: Ramp Network (cards up to 3.9%). For regular buying: a Coinbase account. For NFT checkout: Wert, outside its 12 excluded states.
If the 4.5% fee is why you are leaving, Ramp Network publishes lower caps for both cards and bank transfers and supports ACH in the US. If you buy often, an exchange account such as Coinbase costs less per trade, but you then need to withdraw to your own wallet.
MoonPay keeps one advantage: it lists a New York BitLicense. New York residents should confirm coverage on the other service's own terms before switching; Wert, for example, excludes New York.
Educational content, not financial advice. Crypto assets are volatile; do your own research.
Ramp Network for lower published fees: up to 3.9% on cards and up to 1.40% on manual bank transfers, against MoonPay's up to 4.5%.
Coinbase holds a New York BitLicense. Wert's on-ramp excludes New York. For the others, check their own state list before buying.
Of the published schedules here, Transak's wire at 0.75% + $9 and Ramp's manual bank transfer at up to 1.40% are the lowest. Card buys cost 3.9% to 4.5%.
Its pricing disclosure sets a minimum of up to $3.99 on small orders ($4.50 via partners), so the percentage fee does not apply below that point.
Often, for repeat buys: Coinbase Advanced charges 0.40% maker / 0.60% taker at the lowest tier, but coins stay on the exchange until you withdraw them.
Sources: MoonPay: pricing disclosure, MoonPay: licenses and registrations, Ramp Network: pricing policy. Data as of Sep 26, 2026.
Not affiliated with any project listed. Educational content, not financial advice.