Pricing Disclosure

When you transact on MoonPay Rails*, you may be charged fees. These fees are calculated at the time you place your order and can be influenced by factors such as order type, order size, geography, partner, payment method, and other costs we incur to facilitate your transaction.

Please note that fees may vary for similar transactions and that MoonPay occasionally makes changes to its fees. Before placing an order, you can always review and confirm the applicable fees. By completing an order, you agree to pay the applicable fees for that transaction.

Digital Asset Prices

MoonPay obtains the base price of a digital asset by fetching a price from a reputable independent third party / parties every 10 seconds.

For all transactions, the asset price shown to you during your order is equal to the base price including any applicable spread. The asset price shown to you during your order is the price you will pay to purchase a digital asset from us or the price you will receive for selling a digital asset to us.

Fees

There are three types of fees MoonPay USA LLC may charge when processing your transaction: a network fee; a MoonPay fee; and an ecosystem fee.

A. Network Fee

The network fee covers the costs associated with the transfer of a digital asset and may vary depending on a number of factors, such as network congestion and operational costs. The amount of the network fee will be shown to you as a line item fee and will be identified as the “Network fee”.

B. MoonPay Fee

The MoonPay fee incorporates a number of costs including payment processing costs, payment method costs, chargeback costs and other transaction-related expenses (such as fraud prevention, blockchain analysis, KYC, monitoring, and affiliate costs). The MoonPay fee may vary based on various factors, such as order type, transaction volume, fiat currency, digital asset, location, and payment method. 

If you access the MoonPay platform directly through the MoonPay website or mobile application, the MoonPay fee will be in an amount up to 4.5%, subject to (a) a minimum MoonPay fee of up to $3.99 if your transaction amount is below a minimum threshold and (b) if you are buying or selling a digital asset in a currency other than USD, MoonPay USA LLC will increase the minimum MoonPay Fee in an amount between 0.25% and 10%, depending on the fiat currency you choose to pay in.   

If you were referred to the MoonPay platform by a partner, your MoonPay fee will be in an amount up to 4.5%, subject to (a) a minimum MoonPay fee of up to $4.50 if your transaction amount is below a minimum threshold and (b) if you are buying or selling a digital asset in a currency other than USD, MoonPay USA LLC will increase the minimum MoonPay Fee in an amount between 0.25% and 10%, depending on the fiat currency you choose to pay in.

Cash App Pay API transactions are charged a fee of 2.9% + $0.30 per transaction. The MoonPay fee will include this amount when using Cash App Pay.

Your MoonPay fee may be discounted in certain circumstances. Using MoonPay fiat balance for Buy and Sell transactions incurs zero MoonPay fees. 

Regardless of how you accessed the MoonPay platform, the MoonPay fee will be shown to you as a line item fee when you initiate your order and when you confirm your order.

C. Ecosystem Fees

An Ecosystem Fee is a percentage charge that is applied to a transaction amount by MoonPay on behalf of some, but not all, of our partners. This Ecosystem Fee is set by each partner. 

The ecosystem fee is a line item disclosure that is shown to you when you confirm your order. The amount of the ecosystem fee will be shown to you as a line item fee and will be identified as the “Ecosystem fee”.

Spreads

MoonPay USA LLC may include a spread in the asset price shown to you during your transaction. This is included to cover the volatility of a digital asset, increase the likelihood of a successful transaction, and other costs of operating not covered in other fees and is how we ensure we can continue to provide you with a great service that is easy to use. 

All spreads are included in the price of the digital asset shown to you during your checkout flow. The asset price shown to you during your order is the price you will pay to purchase a digital asset from us or the price you will receive for selling a digital asset to us.

Bank-related fees

It's important to note that your bank or card provider may have their own fees for transactions. Your bank may have a charge for inbound bank transfers or may charge you a fee for international card transactions. Please check with your bank if you are unsure before placing your order.

MoonPay Balance fees

Any fees specifically related to MoonPay balance, such as topping up or withdrawing your fiat balance, can be found here.

* This pricing disclosure relates only to MoonPay Rails offerings. Any fees associated with other offerings on the MoonPay platform will be disclosed at the time of transaction.

Virtual Account fees

We may charge you certain fees to use the Virtual Account services. The fees may vary based on how you access the Virtual Accounts but could include Transaction Fees, Bank Rail Fees, and Network Fees. 

When you exchange your local currency for a stablecoin, or a stablecoin for your local currency, we will use a 1:1 conversion for USD and USD-equivalent stablecoins (e.g., 1 USDC for $1 USD). In cases where one side of the transaction does not have a direct stablecoin counterpart, we will use the prevailing mid-market exchange rate provided by our third-party provider, and we may include a small conversion fee. The exact exchange rate used will be shown on your receipt. As a consequence of Virtual Account services being automated, the conversion described above will occur as soon as we receive the asset you sent and any applicable fees will be charged at that time.  

We will send you a receipt after processing each of your transactions that will set out the type and value of the assets you send us, the type and value of the assets we send you, and the fees charged for the transaction. If you have questions about your fees, please contact us at https://support.moonpay.com.

Transaction Fee

The Transaction Fee is the fee charged for your use of the services that is a percentage of the total amount of the transaction. The Transaction Fee will be in an amount between 0% and 10% but is typically about 1%. The Transaction Fee for your use of Virtual Accounts is shown to you when you open your Iron Account and will also be shown as a line item fee on your email receipt.

Bank Rail Fee

The Bank Rail Fee is a fee charged for each transaction you initiate that involves an external payment to or from a bank and is used to pay the fees Iron is charged by third party banks. The amount of the Bank Rail Fee is shown to you when you open your Iron Account and will also be shown as a line item fee on your email receipt.

Network Fee

The Network Fee covers the costs associated with the transfer of a virtual currency and may vary depending on a number of factors, such as network congestion and operational costs. The amount of the Network Fee will be shown as a line item fee on your email receipt.

Your order will be final when we receive the asset you transfer, either a crypto asset or traditional bank transfer, subject to satisfaction of all AML checks.