What are Pay with Moon Alternatives?

Looking for similar products to Pay with Moon?ย There are many alternatives, but none are as fast, cheap, accessible, global, private, or universally accepted. ย Moon outperforms its peers on every dimension:

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Live & Active

Many crypto card providers have disappeared over the years. Moon continues as the primary source for crypto-linked Visa prepaid cards, secured credit cards and gift cards.

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Globally Available

Moon's range of products are available and accessed by individuals across 130+ countries and all continents.

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Private & Secure

Exposing your sensitive personal information should not be a requirement for day to day spend, including of crypto. Moon offers a private a secure path to spend.

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Multiple Currencies

We're Bitcoin first but coin agnostic: integrated with Reown (WalletConnect) and built to directly accept Bitcoin onchain, Lightning, UDSTย on Tron, and many other currencies.

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No Load & Topup Fee

Moon does not charge for load or topup of cards or credit, and our exchange rate is passed on from wholesale providers.

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Simple FX Fees

Unlike competitors, our international prepaid and secured credit cards have simple and extremely competitive foreign exchange fees for international spend.

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High Card Limits

Our platform offers flexible virtual cards with high limits, well beyond competition.

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No Closure Fees

Unlike others, Moon doesn't charge account closure fees. We allow for withdrawal at cost of processing your final off-platform transacion.

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Globally Spendable

We have international cards accepted across millions of merchants globally, available upon signup.

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High Load Limits

Moon doesn't arbitrarily throttle your purchases of credit or cards.

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Reloadable Options

Moon offers reloadable card products that don't sacrifice your privacy or security.

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Tight Conversion Rates

Moon passes along its superior wholesale trading partners' rates to each customer.

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No Access Fees

Moon charges no monthly, membership, or access fees.

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Powerful Capabilities

Moon's cards have exceptional merchant acceptance across subscriptions and recurring payments, digital content, professional services, SaaS, eCommerce, retailers and travel.

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No Out of Stock Issues

Our prepaid and secure credit cards are always available. No "stock" issues with catalog sourced cards.

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Proprietary Product

While other providers source their prepaid cards from third parties, we manage and control the cards, meaning you get realtime transaction history and direct customer support.

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Only on-chain Bitcoin (no Lightning) and no USDC

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5% per load transaction, plus new card fees of $25 per card

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7%+ fees on accepted Bitcoin and other cryptocurrencies

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No proprietary product

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Available in US, Canada and Europe

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Full KYC required

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+0.5% in addition to 0.5-1.5% (minimum $2 fee) for conversion

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Single card per user

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0.5-1.5% fee (minimum fee of $2)

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Bitrefill's branded crypto card is only available in Europe

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Bitrefill's branded crypto card requires KYC

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1.99% fee on top of currency conversion for all card loads

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Bitrefill charges 6%+ in conversion fees for Bitcoin and other currencies

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Only on-chain Bitcoin (no Lightning) and no USDC

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1.9% conversion fee

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Often lacks stock in certain card products

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All cards are third party and sourcing is unclear

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BitPay's card program is no longer active

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United States only

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Full KYC required

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1% fees across all purchases (also a $9.95 per card fee)

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3% FX fee on foreign transactions

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Single card per customer

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No longer available

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Unclear if still have Visa or MasterCards

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Bitcoin and Monero only

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6.2% to 100% fees ($10 fee for $10 card value)

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Cards and system have gone down and been out of stock recently

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Satsrefill does not manage its own card programs

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No payment card offering at present

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Much product is only for Europe and in some cases, only specific countries in Europe.

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10-170%+ย fees on cards

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2.4% hidden exchange fee

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No available stock for sale. Even branded gift cards are often out of stock.

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Keys 4 Coins relies exclusively on third party providers

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OKSE terminated services in 2023

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Only available to select countries outside of the USA (not available in US)

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Full KYC required

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2.3% was charged when depositing funds and another 1% was applied on card spend

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3.3% fee when using foreign currencies

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Single card per customer

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Monthly fee of $6.99 USD

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Coindebit terminated its offering in 2022

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Only Bitcoin

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Coindebit cards were limited to merchants in the United States

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$250 onto a card at one time

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Only non-reloadable card options

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3% card creation fee

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High foreign transaction fees on MyPrepaidCenter cards

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6.6% hidden currency conversion fee

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Limited acceptance for third party cards, limited use cases with subscriptions and digital content

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High risk of out-of-stock given third party sourcing

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Third party MyPrepaidCenter products

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Only Tether (USDT)

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2.3% + $0.30 cent per transaction

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1 card per customer

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Bankoff has had multiple outages in card product

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Bankoff does not have its own proprietary card product

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Only available to European citizens and residents

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Full KYC required

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1% on all Bitcoin sold to cards (in addition to any hidden spread or conversion costs)

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USDT and USDC only

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$2.00 per card and 4.5% for USDT or USDC load

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$10 + 8% for all new card purchases

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2% + $2 USD for non-USD spend, if allowed

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Limited to US only

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No reloadable options

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Card is not compatible for paying subscriptions such as Spotify or OpenAI

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Cards are not controlled by Spendit and are managed by third parties

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Company ceased operations in 2022

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Only available to customers in United States

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Full KYC required

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Bitcoin initially and Ethereum expected but never launched

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Only one card per customer

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CryptoPay does not actively have a card in market

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European residents and citizens only

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While CryptoPay previously had a private card option, going forward it appears all cards will require full KYC

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Loading fee of 1%.

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Single card per customer

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3% foreign transaction fees

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Monthly service fee of โ‚ฌ1

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Not currently available

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Full KYC required

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Only card and bank transfers accepted, no digital assets

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3% fee on foreign transactions (minimum $0.50) unless you pay $10 per month for Pro plan

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12 cards unless you pay $5+ per month for paid plans

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Terminated in 2024

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Only available in Mexico

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Full KYC required

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Third party gift cards have high international transaction fees

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0.5-3% hidden conversion fees

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Limited functionality from MyPrepaidCenter and Virtual Incentive Cards

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Use of "promotional" cards for consumer sale is risky and likely results in shortage of stock

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Cake Pay only uses third party products and has no control over its cards

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When redeeming your third party prepaid gift card, some platforms may request additional actions, such as verifying your identity, completing Know Your Customer (KYC) procedures

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3-4% fee for prepaid payment card purchases

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Gift cards have higher than average foreign spend fees

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2.2% hidden conversion fees

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Numerous Visa and MasterCard options are out of stock

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All third party product

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Terminated in 2023

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Europe only

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Full KYC required

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Bitcoin only

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2.9% with minimum of โ‚ฌ0.99

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3.5% for non-EUR spend

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5 card limit

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โ‚ฌ25

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Only Bitcoin accepted

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Gift cards charge $2.00 + 2.5% on foreign transactions

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2 cards per 24 hours

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No ability to bulk fund accounts; $2,000 max card purchase

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0.9-1.0% hidden conversion fee

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No proprietary card products or control over card products

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No Visa or MasterCard or American Express prepaid card offerings

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5-25% fees on card value purchased (very high for branded merchant gift cards)

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No reloadable product

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3.7% hidden spread in Bitcoin, other currencies

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Out of stock in prepaid virtual cards

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All third party catalogue product

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$2.5 per card issuance fee plus 2-4% load and top-up fee (in addition to other successful and unsuccessful transaction fees)

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2% transaction fee (fixed for all transactions) + 0.2% of the transaction amount the currency exchange fee

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Multiple BINs but likely that third party product runs into issues

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Only third party product provided

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US address required

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US address required

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Only US-spendable cards sold

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$2,000 maximum per card

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No reloadable cards available

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20% hidden conversion fee

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Multiple cards out of stock

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Coincards does not manage its own product

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Reloadable only for US citizens and residents

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Laso only supports USDT, USDC, and DAI on EVM networks (Ethereum Mainnet, Arbitrum, Polygon, Base and Optimism) and on Solana, USDT and USDC

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6.8% fees for their core card product, 3.8% deposit fee for their international product

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Laso's international cards are high-fees gift cards

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5% withdrawal fee, when allowed in select products

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$2,000 maximum card load

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Only for citizens and residents of the United States

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Laso exclusively sources third party card products

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The payment card is available only to residents of the European Economic Area

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Full KYC required

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2% per stablecoin load or top-up (minimum $4), plus additional fees for non-stablecoin currencies

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1% fee on all transactions (minimum of โ‚ฌ1.50) after โ‚ฌ200 per month in transactions

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โ‚ฌ7 issuance fee for any additional card (โ‚ฌ12 for anonymous or nicknamed cards)

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โ‚ฌ15 per month starting from the 7th month of inactivity

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25bps up to 50% fees depending on transaction size and currency

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โ‚ฌ2 per month if you have additional cards in any quantity

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New card fees of 33-140% (minimum $7 fee on $5 card) are extremely high

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Third party gift cards charge high (2-3%+) foreign transaction fees

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No reloadable card options

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High hidden currency conversion fees

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All third party product, with no control

Comparing Moon to Similar Crypto Card Providers

Pay with Moon is the leading provider of virtual crypto credit cards and prepaid gift cards. Moon accepts Bitcoin, Lightning, USDC, USDT, and numerous other cryptocurrencies including through connectivity with Reown (WalletConnect). Moon is dedicated to delivering exceptional service, directly managing card programs to ensure the highest quality of product, and passing along our superior pricing to the end-customer. The result is an internationally accessible and spendable virtual credit card, linked to your virtual currency, and accepted across millions of merchants in 130+ย countries worldwide.

While numerous alternatives exist to Moon, none of them offer the set of distinct advantages that Pay with Moon brings. We encourage you to leverage the research we've shared and test them out for yourself.

Pay with Moon's Advantages

๐ŸŸข Live & Active

Many crypto card providers have disappeared over the years. Moon continues as the primary source for crypto-linked Visa prepaid cards, secured credit cards and gift cards.

๐ŸŒ Globally Available

Moon's range of products are available and accessed by individuals across 130+ countries and all continents.

๐Ÿ•ต Private & Secure

Exposing your sensitive personal information should not be a requirement for day to day spend, including of crypto. Moon offers a private a secure path to spend.

๐Ÿ’ฐ Multiple Currencies

We're Bitcoin first but coin agnostic: integrated with Reown (WalletConnect) and built to directly accept Bitcoin onchain, Lightning, UDSTย on Tron, and many other currencies.

๐Ÿ“ฅ No Load & Topup Fee

Moon does not charge for load or topup of cards or credit, and our exchange rate is passed on from wholesale providers.

๐Ÿ’ธ Simple FX Fees

Unlike competitors, our international prepaid and secured credit cards have simple and extremely competitive foreign exchange fees for international spend.

๐Ÿ’ณ High Card Limits

Our platform offers flexible virtual cards with high limits, well beyond competition.

๐Ÿ’” No Closure Fees

Unlike others, Moon doesn't charge account closure fees. We allow for withdrawal at cost of processing your final off-platform transacion.

โœˆ๏ธ Globally Spendable

We have international cards accepted across millions of merchants globally, available upon signup.

๐Ÿšง High Load Limits

Moon doesn't arbitrarily throttle your purchases of credit or cards.

โ™ป Reloadable Options

Moon offers reloadable card products that don't sacrifice your privacy or security.

๐Ÿ’น Tight Conversion Rates

Moon passes along its superior wholesale trading partners' rates to each customer.

๐Ÿท No Access Fees

Moon charges no monthly, membership, or access fees.

๐ŸŽฒ No Token Bulls#@!

Access and functionality does not require buying, staking, or using low-liquidity exotic tokens.

โšก Powerful Capabilities

Moon's cards have exceptional merchant acceptance across subscriptions and recurring payments, digital content, professional services, SaaS, eCommerce, retailers and travel.

๐Ÿ’ช No Out of Stock Issues

Our prepaid and secure credit cards are always available. No "stock" issues with catalog sourced cards.

๐Ÿ‘‘ Proprietary Product

While other providers source their prepaid cards from third parties, we manage and control the cards, meaning you get realtime transaction history and direct customer support.

โฐ Lightning Fast Service

Immediate delivery of cards and card-details without extra steps or third parties.

Choose the Perfect Moon Card:

Moon Visaยฎ Xย &ย 1Xย Cards

Moon's prepaid and secured credit cards are ideal for everyday purchases, offering the convenience of using crypto instantly across millions of merchants worldwide.

Reloadable Xย cards elevate your crypto shopping experience with higher spending limits and longer validity for subscriptions.

One-time 1Xย cards are a convenient, no-fees alternative.

Merchant Branded Gift Cards

Moon's robust catalog of USย and international gift cards offers fee-free spend, often with added discounts, and the ease ofย conversion to direct merchant credit.

Use your crypto to spend with savings across thousands of top brands, eCommerce retailers, digital content, travel and tourism, restaurants and other merchants.

Ready to Try Moon?

Get Started