Does MoonPay have hidden fees?

Not hidden, but layered: a 4.5% fee on card, Apple Pay and Google Pay purchases with a minimum of about $3.99, plus a network fee, plus none; coins are delivered to your wallet with the network fee shown at checkout. Read the confirmation screen, not the marketing page.

Which MoonPay payment method costs the least?

Bank transfer: about 1% with a minimum of about $3.99. It is also the slowest, because the order completes when the transfer settles.

What does a $1,000 card order cost at Anytime Capital?

From $40 all-in before the network fee, with the crypto you receive shown before you confirm. MoonPay shows its own total in checkout; compare the amount of crypto that lands, not the headline rate.

What is MoonPay's minimum fee?

About $3.99 on card and bank purchases, which makes small orders proportionally expensive: on a $50 buy the floor is close to 8%.

Can I switch from MoonPay to Anytime Capital without moving my crypto?

Yes. Both send purchased crypto to a wallet address you control, so nothing needs to move. Create an Anytime Capital account, verify once with your ID and a selfie, and paste the same address at checkout.

Is Anytime Capital regulated?

Anytime Capital is a U.S.-based money services business registered with FinCEN, serving customers worldwide, with a physical branch in Atlanta and an office in Miami. Identity verification is required before you can transact, the same as at every compliant platform.

Fees

Our pick

MoonPay fees, explained line by line

Q: How does Anytime Capital pricing compare with MoonPay?

Anytime Capital quotes one all-in number: card, Apple Pay and Google Pay orders start from 4% with the spread included, and the amount you pay and the crypto you receive are both on screen before you confirm. MoonPay prices a 4.5% fee on card, Apple Pay and Google Pay purchases with a minimum of about $3.99, plus a network fee, roughly 4.5% on the headline, with none; coins are delivered to your wallet with the network fee shown at checkout. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

Every platform quotes one number and charges several. Here is what MoonPay actually takes on a purchase, what it leaves out of the headline, and what the same order costs at Anytime Capital.

MoonPay: a 4.5% fee on card, Apple Pay and Google Pay purchases with a minimum of about $3.99, plus a network fee
Bank transfer: about 1% with a minimum of about $3.99
Anytime Capital cards from 4%, shown in full before you pay

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Updated September 2026. MoonPay figures from its published pricing, terms and independent reviews.

FinCEN-registered U.S. money services business
Atlanta branch · Miami office
8,000+ completed trades
FDIC-insured cash account

Quick answer

How much does MoonPay charge?

MoonPay charges a 4.5% fee on card, Apple Pay and Google Pay purchases with a minimum of about $3.99, plus a network fee. Bank transfers: about 1% with a minimum of about $3.99. Withdrawals: none; coins are delivered to your wallet with the network fee shown at checkout. Blockchain network fees are added on top. Anytime Capital card, Apple Pay and Google Pay orders start from 4% with the full price on screen before you confirm.

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4.5%
MoonPay card purchase fee
Compared platform
3
separate fee lines at MoonPay
Compared platform
4%
Anytime Capital card pricing from
Anytime Capital
$0
surprise fees at checkout
Anytime Capital

What a card purchase costs: MoonPay vs Anytime Capital

Published fee percentages on a debit or credit card order

Anytime Capital
MoonPay

MoonPay: a 4.5% fee on card, Apple Pay and Google Pay purchases with a minimum of about $3.99, plus a network fee (4.5%). Anytime Capital: from 4%, shown in full before you confirm. Both exclude blockchain network fees. Published schedules as of September 2026; confirm your exact quote in each checkout.

What MoonPay charges, in order

MoonPay's schedule is short. Card, Apple Pay and Google Pay purchases carry a 4.5% fee. Bank transfers carry about 1%. Both have a minimum fee of about $3.99, which is the line that matters on a $50 order: at that size the floor works out to nearly 8%. The blockchain network fee is added on top and shown before you confirm. MoonPay states it does not embed a spread in the quoted price.

Selling back to MoonPay carries its own fee, and payouts go to a card or bank account. There is no withdrawal fee in the exchange sense, because MoonPay never holds your coins; what you pay is the network fee to deliver them.

Against that, Anytime Capital's card pricing starts from 4% with the spread included and no separate minimum surprising you at checkout, with the amount you pay and the crypto you receive shown before you confirm. On a $1,000 card order that is from $40 here against $45 at MoonPay; on a $50 order the gap is wider because MoonPay's floor kicks in.

Network fees, spread, and the number that matters

Both platforms add the blockchain network fee to send your coins. What differs is how the price is presented. MoonPay's schedule is published, which is honest, but the parts stack. Anytime Capital shows one number for what you pay and one for what you receive. The second number is the only one worth comparing: screenshot both checkouts on the same $1,000 order and look at how much crypto lands.

A front door, not a chat window

MoonPay is built to be used through a screen. We are built to be visited. Bring cash, bring questions, or bring a problem another platform could not solve.

Atlanta branch: 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324
Hours: Mon–Fri 10am–5pm · Sat 10am–2pm
Phone: (470) 748-2530

Anytime Capital branch storefront on Piedmont Road in Atlanta — Atlanta branch, Piedmont Road NE

One Biscayne Tower in Miami, home of the Anytime Capital Miami office — Miami office, One Biscayne Tower

The rails where the fee question barely applies

MoonPay has no cash rail at any price and no domestic wire desk. At Anytime Capital, cash in the Atlanta branch and cash by mail are priced like any other order, and wires for larger amounts are handled by the OTC desk with a locked quote. For a customer moving real size, a wire costs a fraction of any card rail, at MoonPay or anywhere else.

Leaving MoonPay? Your wallet address works here too.

Verify once with your ID and a selfie, pick a coin, choose any of nine ways to pay, and paste any wallet address you control. Card and Apple Pay orders confirm in minutes; wires settle the same business day.

Buy with Apple Pay from 4%Open a free account

Non-custodial wallet, or your own address
FDIC-insured cash account with a free debit card
(470) 748-2530 during business hours
Walk-in branch in Atlanta, office in Miami

Side by side

MoonPay vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 7 of 15.

Category		Our pick
Card purchase fee	A 4.5% fee on card, Apple Pay and Google Pay purchases with a minimum of about $3.99, plus a network fee	From 4% with the spread included, quoted in full before you confirm
Bank transfer fee	about 1% with a minimum of about $3.99	ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Not offered as a U.S. rail; bank transfer is ACH	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Yes	Yes
Talk to a human	In-app chat and support tickets; no phone line	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	MoonPay serves U.S. customers through MoonPay USA LLC, a FinCEN-registered money services business with state money transmitter licences; some assets are unavailable in a handful of states.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Government ID and a selfie on every account; proof of address for higher limits.	Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card	No FDIC-insured cash account	FDIC-insured cash account with a free virtual debit card
Large orders	Self-serve limits by verification tier; no dedicated desk for retail	Dedicated OTC desk with a named contact
Custody of your coins	Your own wallet; you hold the keys	Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation	Registered with FinCEN as a money services business and licensed as a money transmitter in most U.S. states; also authorised in the UK and EU.	U.S.-based, FinCEN-registered money services business
Withdrawal fees	none; coins are delivered to your wallet with the network fee shown at checkout	Network fee only when sending to your own wallet
Fee display at checkout	Itemised lines	One total and one amount received, plus the network fee

Card purchase fee
MoonPay
A 4.5% fee on card, Apple Pay and Google Pay purchases with a minimum of about $3.99, plus a network fee
Anytime
From 4% with the spread included, quoted in full before you confirm
Bank transfer fee
MoonPay
about 1% with a minimum of about $3.99
Anytime
ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash
MoonPay
Not offered
Anytime
Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
MoonPay
Not offered as a U.S. rail; bank transfer is ACH
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
MoonPay
Yes
Anytime
Yes
Talk to a human
MoonPay
In-app chat and support tickets; no phone line
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
MoonPay
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
MoonPay
MoonPay serves U.S. customers through MoonPay USA LLC, a FinCEN-registered money services business with state money transmitter licences; some assets are unavailable in a handful of states.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
MoonPay
Government ID and a selfie on every account; proof of address for higher limits.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
MoonPay
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
MoonPay
Self-serve limits by verification tier; no dedicated desk for retail
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
MoonPay
Your own wallet; you hold the keys
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
MoonPay
Registered with FinCEN as a money services business and licensed as a money transmitter in most U.S. states; also authorised in the UK and EU.
Anytime
U.S.-based, FinCEN-registered money services business
Withdrawal fees
MoonPay
none; coins are delivered to your wallet with the network fee shown at checkout
Anytime
Network fee only when sending to your own wallet
Fee display at checkout
MoonPay
Itemised lines
Anytime
One total and one amount received, plus the network fee

Ways to pay

9 ways to pay here. 5 at MoonPay.

The rails MoonPay has, it runs well. The ones it does not have are the ones a customer reaches for when a card is declined, an amount is large, or the money is in cash.

MethodMoonPayAnytime Capital

Apple PayInstant, from your phoneYesYes
Google PayInstant, Android and webYesYes
Debit cardVisa and MastercardYesYes
Credit cardAmex and Discover accepted hereYesYes
ACH bank transferLower cost, settles in business daysYesYes
Domestic wireSame-day for larger ordersNoYes
Cash AppPay from your Cash App balanceNoYes
Cash in personAtlanta branch, counted at the counterNoYes
Cash by mailFrom anywhere in the U.S.NoYes

Coins

Every major coin, one checkout

Most of the volume on any platform is in the same few dozen coins. Every one below has its own buy page here, with Apple Pay, card, ACH, wire and cash at checkout.

How it works

Three steps from MoonPay to here

1
Verify once
Government ID and a selfie, online in minutes. Stuck? Call the branch or come in and finish it in person.
2
Pay your way
Apple Pay, Google Pay, card, ACH, wire, Cash App, cash in branch or cash by mail. The full price is on screen before you confirm.
3
Receive and keep going
Coins land in your own wallet or the free Anytime Capital wallet. Sell back to an FDIC-insured cash account and spend with the debit card.

Buy with Apple Pay from 4%Call (470) 748-2530 Buy Bitcoin now

Ready to leave MoonPay behind?

Anytime Capital is a U.S. money services business serving customers worldwide, with a branch in Atlanta, an office in Miami, and card pricing from 4% with the spread included. Verification takes minutes, nine payment methods are live, and (470) 748-2530 reaches a person during business hours.

Wire transfer
Cash in person

Buy with Apple Pay from 4%See fees & limits

Digital assets are not FDIC-insured, are not bank deposits, and may lose value. Availability and limits subject to identity verification and compliance review.

Questions