Reviews
Our pickMoonPay reviews: the pattern behind the stars
Customers who rate MoonPay are consistent: fast card orders and a clean checkout inside the wallet you already use when things work, and frustration when they do not. Here is the pattern, and how Anytime Capital was designed around each complaint.
- 40,000+ Trustpilot reviews averaging 4.2 / 5
- Most praise: fast card orders and a clean checkout inside the wallet you already use
- Most complaints: Cards declined by the issuer after verification
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$82,782+1.36%.svg)
Buy ETHEthereum$2,433+1.02%.svg)
Buy USDTTether$0.9994+0.03%.svg)
Buy USDCUSD Coin$0.9999+0.01%.svg)
Buy SOLSolana$105.59+2.36%.svg)
Buy XRPXRP$1.31+1.66%.svg)
Buy LTCLitecoin$59.95+1.47%.svg)
Buy DOGEDogecoin$0.0797+0.96%.svg)
Buy TRXTRON$0.3309-0.62%.svg)
Buy ADACardano$0.2207+0.83%.svg)
Buy AVAXAvalanche$9.75-0.31%.svg)
Buy DOTPolkadot$1.12+1.75%.svg)
Buy LINKChainlink$12.16+1.73%.svg)
Buy BCHBitcoin Cash$278.27+1.87%.svg)
Buy XLMStellar$0.1785+0.66%.svg)
Buy SHIBShiba Inu$0.000005+1.52%.svg)
Buy TONToncoin$1.35+0.07%.svg)
Buy SUISui$1.01+2.85%
Quick answer
Is MoonPay reliable, according to reviews?
MoonPay holds around 4.2 / 5 on Trustpilot across 40,000+ reviews. Customers most often praise fast card orders and a clean checkout inside the wallet you already use. Negative reviews cluster around cards declined by the issuer after verification, orders held for review with only a ticket to check, the 4.5% card fee plus the network fee on small orders. Anytime Capital was built to remove each of those: more ways to pay when a card fails, a human to call when a review stalls, and one all-in price before you confirm.
4.2 / 5
MoonPay Trustpilot average
Compared platform
40,000+
public MoonPay reviews
Compared platform
8,000+
Anytime Capital completed trades
Anytime Capital
$12M+
in verified peer-to-peer volume
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 customers praise
MoonPay's public reviews are among the most numerous of any on-ramp, and the average is solid at around 4.2 out of 5. The five-star reviews describe the same thing over and over: the card went through, the coins arrived in minutes, and the whole thing happened without leaving the wallet. For a first purchase inside MetaMask or Trust Wallet, that is exactly what people want.
The one-star reviews describe declines and holds. A card issuer refuses the charge after verification. An order sits pending over a weekend. A coin turns out to be unavailable in the customer's state. Support replies, but through chat, and the customer often does not know whether to blame the wallet or MoonPay.
What MoonPay customers complain about
The complaints repeat across Trustpilot and Reddit. Cards declined by the issuer after verification. Orders held for review with only a ticket to check. The 4.5% card fee plus the network fee on small orders. Assets or states unavailable at the last step. None of these mean MoonPay is doing anything wrong; they are the failure modes of its model, and every platform built the same way collects the same reviews.
- Cards declined by the issuer after verification
- Orders held for review with only a ticket to check
- The 4.5% card fee plus the network fee on small orders
- Assets or states unavailable at the last step
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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How Anytime Capital was designed around those complaints
Declined card? Anytime Capital publishes crypto policies for 130+ U.S. banks so you know before you try, and offers ACH, wire, Cash App, cash in branch and cash by mail when a card will not work. Stuck in review? Call (470) 748-2530 or come to the Atlanta branch. Fee surprise? One total, one amount received, from 4% on cards. Our own record is public too: 8,000+ completed trades and $12M+ in volume on LocalCoinSwap, rated by the counterparty, plus Google and Trustpilot profiles you can read.
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 7 of 13.
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. branches in Atlanta, Miami and Houston; 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
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
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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 reviews: the pattern behind the stars: FAQ
More on MoonPay
Other questions people ask before switching
Compare other card on-ramps
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.