How does Moon stack up to the competition?
For crypto virtual credit cards and prepaid cards, Pay with Moon is faster, cheaper, more accessible, more global, more private, and more universally accepted. We outperform our peers on every dimension:
$2.00 per card and 4.5% for USDT or USDC load
Coindebit terminated its offering in 2022
Coindebit cards were limited to merchants in the United States
$250 onto a card at one time
Only non-reloadable card options
Company ceased operations in 2022
Only available to customers in United States
Bitcoin initially and Ethereum expected but never launched
Only one card per customer
Unclear if still have Visa or MasterCards
6.2% to 100% fees ($10 fee for $10 card value)
Cards and system have gone down and been out of stock recently
Satsrefill does not manage its own card programs
Reloadable only for US citizens and residents
Laso only supports USDT, USDC, and DAI on EVM networks (Ethereum Mainnet, Arbitrum, Polygon, Base and Optimism) and on Solana, USDT and USDC
6.8% fees for their core card product, 3.8% deposit fee for their international product
Laso's international cards are high-fees gift cards
5% withdrawal fee, when allowed in select products
Only for citizens and residents of the United States
Laso exclusively sources third party card products
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
3-4% fee for prepaid payment card purchases
Gift cards have higher than average foreign spend fees
2.2% hidden conversion fees
Numerous Visa and MasterCard options are out of stock
New card fees of 33-140% (minimum $7 fee on $5 card) are extremely high
Third party gift cards charge high (2-3%+) foreign transaction fees
No reloadable card options
High hidden currency conversion fees
All third party product, with no control
$10 + 8% for all new card purchases
2% + $2 USD for non-USD spend, if allowed
Card is not compatible for paying subscriptions such as Spotify or OpenAI
Cards are not controlled by Spendit and are managed by third parties
No payment card offering at present
Much product is only for Europe and in some cases, only specific countries in Europe.
No available stock for sale. Even branded gift cards are often out of stock.
Keys 4 Coins relies exclusively on third party providers
Only card and bank transfers accepted, no digital assets
3% fee on foreign transactions (minimum $0.50) unless you pay $10 per month for Pro plan
12 cards unless you pay $5+ per month for paid plans
No Visa or MasterCard or American Express prepaid card offerings
5-25% fees on card value purchased (very high for branded merchant gift cards)
3.7% hidden spread in Bitcoin, other currencies
Out of stock in prepaid virtual cards
All third party catalogue product
2.9% with minimum of โฌ0.99
Only available to European citizens and residents
1% on all Bitcoin sold to cards (in addition to any hidden spread or conversion costs)
$2.5 per card issuance fee plus 2-4% load and top-up fee (in addition to other successful and unsuccessful transaction fees)
2% transaction fee (fixed for all transactions) + 0.2% of the transaction amount the currency exchange fee
Multiple BINs but likely that third party product runs into issues
Only third party product provided
Only on-chain Bitcoin (no Lightning) and no USDC
5% per load transaction, plus new card fees of $25 per card
7%+ fees on accepted Bitcoin and other cryptocurrencies
Available in US, Canada and Europe
+0.5% in addition to 0.5-1.5% (minimum $2 fee) for conversion
0.5-1.5% fee (minimum fee of $2)
The payment card is available only to residents of the European Economic Area
2% per stablecoin load or top-up (minimum $4), plus additional fees for non-stablecoin currencies
1% fee on all transactions (minimum of โฌ1.50) after โฌ200 per month in transactions
โฌ7 issuance fee for any additional card (โฌ12 for anonymous or nicknamed cards)
โฌ15 per month starting from the 7th month of inactivity
25bps up to 50% fees depending on transaction size and currency
โฌ2 per month if you have additional cards in any quantity
High foreign transaction fees on MyPrepaidCenter cards
6.6% hidden currency conversion fee
Limited acceptance for third party cards, limited use cases with subscriptions and digital content
High risk of out-of-stock given third party sourcing
Third party MyPrepaidCenter products
2.3% + $0.30 cent per transaction
Bankoff has had multiple outages in card product
Bankoff does not have its own proprietary card product
Only US-spendable cards sold
No reloadable cards available
20% hidden conversion fee
Multiple cards out of stock
Coincards does not manage its own product
Bitrefill's branded crypto card is only available in Europe
Bitrefill's branded crypto card requires KYC
1.99% fee on top of currency conversion for all card loads
Bitrefill charges 6%+ in conversion fees for Bitcoin and other currencies
BitPay's card program is no longer active
1% fees across all purchases (also a $9.95 per card fee)
3% FX fee on foreign transactions
Third party gift cards have high international transaction fees
0.5-3% hidden conversion fees
Limited functionality from MyPrepaidCenter and Virtual Incentive Cards
Use of "promotional" cards for consumer sale is risky and likely results in shortage of stock
Cake Pay only uses third party products and has no control over its cards
Only on-chain Bitcoin (no Lightning) and no USDC
Often lacks stock in certain card products
All cards are third party and sourcing is unclear
Gift cards charge $2.00 + 2.5% on foreign transactions
No ability to bulk fund accounts; $2,000 max card purchase
0.9-1.0% hidden conversion fee
No proprietary card products or control over card products
CryptoPay does not actively have a card in market
European residents and citizens only
While CryptoPay previously had a private card option, going forward it appears all cards will require full KYC
3% foreign transaction fees
Monthly service fee of โฌ1
OKSE terminated services in 2023
Only available to select countries outside of the USA (not available in US)
2.3% was charged when depositing funds and another 1% was applied on card spend
3.3% fee when using foreign currencies
Comparing Moon to its Alternatives
Moon is the leading provider of virtual crypto credit cards and prepaid gift cards. Pay with Moon accepts Bitcoin, Lightning, USDC, USDT, and numerous other cryptocurrencies including through our 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.
Our Advantages
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.
Moon's range of products are available and accessed by individuals across 130+ countries and all continents.
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.
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.
Moon does not charge for load or topup of cards or credit, and our exchange rate is passed on from wholesale providers.
Unlike competitors, our international prepaid and secured credit cards have simple and extremely competitive foreign exchange fees for international spend.
Our platform offers flexible virtual cards with high limits, well beyond competition.
Unlike others, Moon doesn't charge account closure fees. We allow for withdrawal at cost of processing your final off-platform transacion.
We have international cards accepted across millions of merchants globally, available upon signup.
Moon doesn't arbitrarily throttle your purchases of credit or cards.
Moon offers reloadable card products that don't sacrifice your privacy or security.
Moon passes along its superior wholesale trading partners' rates to each customer.
Moon charges no monthly, membership, or access fees.
Access and functionality does not require buying, staking, or using low-liquidity exotic tokens.
Moon's cards have exceptional merchant acceptance across subscriptions and recurring payments, digital content, professional services, SaaS, eCommerce, retailers and travel.
Our prepaid and secure credit cards are always available. No "stock" issues with catalog sourced cards.
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.
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.