{"id":9827,"date":"2026-04-30T16:53:50","date_gmt":"2026-04-30T16:53:50","guid":{"rendered":"https:\/\/paybis.com\/blog\/?p=9827"},"modified":"2026-04-30T16:58:22","modified_gmt":"2026-04-30T16:58:22","slug":"moonpay-vs-paybis-on-ramp-compared","status":"publish","type":"post","link":"https:\/\/paybis.com\/blog\/moonpay-vs-paybis-on-ramp-compared\/","title":{"rendered":"MoonPay vs Paybis: Wallet On-Ramp Integration and Fee Comparison"},"content":{"rendered":"\n
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Key Takeaways:<\/div>

MoonPay charges up to 4.5% platform fee plus a 1-3% embedded spread<\/a> in the quoted price, making the true cost difficult to calculate before checkout. We show fees as a separate line item before the user confirms: service fee starting from 0.49% after the first card transaction (first card transaction: 0%), processing fee of 4.5-8.5% for card transactions over $50, and a variable network fee set by miners. We compress integration from months to hours via three modular options: a standalone signed URL requiring zero backend changes, a Web SDK, and a full server-to-server API with shared KYC and SSO support. We hold FinCEN, FINTRAC, and VASP registrations, are PCI DSS Level 1 compliant, and have recorded zero security breaches since 2014, operating in 180+ countries with 20+ payment methods and 90+ cryptocurrencies. Our multi-acquirer cascade routing (automatic retry across payment processors on decline) and ~2-minute verification reduce the two highest-friction points in first-time user onboarding.<\/p>\n <\/div>\r<\/div><\/blockquote>\n\n\n\n

Brand recognition doesn’t equal conversion. When users see an unexpected spread baked into the exchange rate at checkout, they abandon the transaction regardless of the logo on the widget. For a Head of Product or CTO evaluating on-ramp infrastructure, the question is straightforward: does the provider make your users trust the checkout, or does it quietly erode it?<\/p>\n\n\n\n

This guide covers the exact fee structures, integration timelines, compliance registrations, and UX metrics for both MoonPay and Paybis so you can make that decision with hard data instead of marketing claims.<\/p>\n\n\n\n

The True Cost of Wallet On-Ramps: Spread vs. Transparent Fees<\/h2>\n\n\n\n

Every crypto on-ramp charges fees. The real question is whether those fees are visible to the user before they commit, or buried in the exchange rate after the decision is made. For platforms integrating an on-ramp widget, this distinction matters directly: when a user sees a discrepancy between the quoted price and what actually leaves their card, that dispute lands in your support queue, not the provider’s.<\/p>\n\n\n\n

The technical term for this gap is an embedded spread: the difference between the real-time market rate and the rate the provider quotes to the user. It does not appear as a fee. It appears as a worse exchange rate, and most users only notice after the transaction completes. The hidden fees landscape<\/a> across crypto gateways has been a persistent source of user complaints and platform churn.<\/p>\n\n\n\n

How MoonPay Structures Fees and Embedded Spreads<\/h3>\n\n\n\n

MoonPay charges up to 4.5% as a platform fee<\/a> on top of a 1-3% spread embedded in the displayed exchange rate. MoonPay’s own pricing disclosure<\/a> confirms: “MoonPay USA LLC may include a spread in the asset price shown to you during your transaction… All spreads are included in the price of the digital asset shown to you during your checkout flow.” So a user buying $500 of ETH sees a rate already 1-3% worse than the real-time market price, then pays a 4.5% platform fee on top. Total effective cost runs approximately 5.5-8.5% depending on the asset and payment method.<\/p>\n\n\n\n

Crypto-native users who monitor rates in real-time tend to notice the discrepancy post-transaction, generating support tickets and community friction. For a B2B partner, the spread variance also makes net-received modeling unreliable: if the spread shifts 1-3% per transaction, your margin calculations carry that same variance.<\/p>\n\n\n\n

MoonPay carries real strengths worth acknowledging. Its widget is embedded in 300+ wallet apps, it holds registrations in multiple jurisdictions including FinCEN<\/a> (#31000301673327), FINTRAC<\/a> (M24701825), FCA<\/a> (FRN 944746), and the AFM in the Netherlands<\/a> (#41000002), and it operates in approximately 160 countries. For platforms whose users already recognize the MoonPay brand from prior exposure, those network effects are real. The tradeoff is predictability.<\/p>\n\n\n\n

Paybis Fee Breakdown and Revenue Share Model<\/h3>\n\n\n\n

We use a three-component transparent fee structure. We list every component as a separate line item before the user confirms<\/a>:<\/p>\n\n\n\n