Verification
Our pickMoonPay KYC: what it asks for, how long it takes, and why it stalls
Yes, MoonPay requires KYC, and so does every legitimate platform. The difference between platforms is not whether they verify you but what happens when the automated check says no.
- Government ID and a selfie on every account; proof of address for higher limits.
- Automated approval usually takes a few minutes; manual review can take a day or more.
- Anytime Capital: verify online, or in person at the Atlanta branch
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
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Buy BTCBitcoin$81,250+5.07%.svg)
Buy ETHEthereum$2,515+5.08%.svg)
Buy USDTTether$0.9999+0.02%.svg)
Buy USDCUSD Coin$0.9999+0.01%.svg)
Buy SOLSolana$105.30+5.90%.svg)
Buy XRPXRP$1.46+9.17%.svg)
Buy LTCLitecoin$51.35+3.19%.svg)
Buy DOGEDogecoin$0.0895+10.01%.svg)
Buy TRXTRON$0.3313+2.00%.svg)
Buy ADACardano$0.2224+13.08%.svg)
Buy AVAXAvalanche$7.53+5.02%.svg)
Buy DOTPolkadot$0.8943+4.02%.svg)
Buy LINKChainlink$11.81+6.26%.svg)
Buy BCHBitcoin Cash$257.40+5.35%.svg)
Buy XLMStellar$0.1861+7.22%.svg)
Buy SHIBShiba Inu$0.000005+5.36%.svg)
Buy TONToncoin$1.38+3.60%.svg)
Buy SUISui$0.7899+8.46%
Quick answer
Does MoonPay require KYC?
Yes. Government ID and a selfie on every account; proof of address for higher limits. Automated approval usually takes a few minutes; manual review can take a day or more. Anytime Capital requires government ID and a selfie for every customer, and adds the option of finishing verification face to face at the Atlanta branch or over the phone.
Required
MoonPay identity verification
Compared platform
Minutes
MoonPay typical approval
Compared platform
In person
verification option at Anytime Capital
Anytime Capital
(470) 748-2530
a human to call when a check stalls
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 verification involves
MoonPay onboarding is a standard automated flow: email and phone, then a photo of a government ID and a selfie. Higher limits ask for proof of address, and unusual orders can trigger source-of-funds questions. Because MoonPay is embedded in other apps, the verification often happens inside a wallet's web view, which is where the "stuck on the selfie step" reviews come from.
When the automated check passes, approval takes a few minutes. When it does not, the application goes to manual review and the customer gets a generic message and a ticket. MoonPay does support returning customers across the apps it powers, so a second wallet may not need a second full verification.
Why automated KYC fails good customers
Glare on a licence, a name that does not match the card, an address that changed last month, a selfie in poor light: automated systems reject all of these, and the customer gets a generic message. On MoonPay your recourse is to resubmit and open a ticket. At Anytime Capital the same check runs online, but when it stalls you can call (470) 748-2530 and have someone tell you exactly what is wrong, or bring your documents to the Atlanta branch and verify across a desk.
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
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What verification unlocks
At Anytime Capital one verification opens crypto buying and selling, the FDIC-insured cash account with its free virtual debit card, the non-custodial wallet, and access to the OTC desk for larger orders. It is one identity check for the whole account, not a new hoop for every product.
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.
- 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 8 of 15.
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
Documents to start
- MoonPay
- Government ID and a selfie on every account; proof of address for higher limits.
- Anytime
- Government ID and selfie
When verification stalls
- MoonPay
- Chat and ticket replies are generally quick, but an urgent problem still waits in a queue with no one to call.
- Anytime
- Call the branch or verify in person
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.
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.
- BitcoinBuy BTC
- EthereumBuy ETH
- TetherBuy USDT
- USD CoinBuy USDC
- SolanaBuy SOL
- XRPBuy XRP
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BNBBuy BNB- DogecoinBuy DOGE
- TRONBuy TRX
- CardanoBuy ADA
- LitecoinBuy LTC
- ChainlinkBuy LINK
- AvalancheBuy AVAX
- PolkadotBuy DOT
- ToncoinBuy TON
- SuiBuy SUI
- Shiba InuBuy SHIB
- StellarBuy XLM
- Bitcoin CashBuy BCH
.svg)
PolygonBuy POL.svg)
UniswapBuy UNI.svg)
NEARBuy NEAR.svg)
HederaBuy HBAR.svg)
AptosBuy APT.svg)
ArbitrumBuy ARB.svg)
OptimismBuy OP.svg)
CosmosBuy ATOM.svg)
FilecoinBuy FIL.svg)
Ethereum ClassicBuy ETC.svg)
AaveBuy AAVE.svg)
InjectiveBuy INJ.svg)
BittensorBuy TAO.svg)
RenderBuy RENDER.svg)
SeiBuy SEI.svg)
StacksBuy STX.svg)
ImmutableBuy IMX
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.
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
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
MoonPay KYC: what it asks for, how long it takes, and why it stalls: FAQ
More on MoonPay
Other questions people ask before switching
Keep exploring
Important Disclosures
- Information about MoonPay is based on its published pricing, terms of service and independent reviews as of September 2026. Fees, availability and features change; confirm the exact quote in each platform's checkout before you pay.
- Anytime Capital pricing shown as "from" reflects the lowest published rate; your quote depends on payment method, order size and verification and is displayed in full before you confirm.
- Anytime Capital and MoonPay are independent companies. This page is not endorsed by or affiliated with MoonPay. Third-party names and logos are used only to identify the platform being compared and remain the property of their owners.
- This comparison is for information only and is not financial, investment, tax or legal advice.
- Cryptocurrency is not FDIC insured, is not a bank deposit and may lose value. The FDIC-insured cash account refers to U.S. dollar balances held at a partner bank; digital assets are not covered.