9 Moonpay Alternatives In 2025 – Top Crypto Payment Options

In this article, I will review options free from MoonPay’s fees and services in 2025. These alternatives offer lower rates, increased privacy, and direct control over user’s cryptocurrency.

From wallets that hold various assets to cryptocurrencies, these alternatives fulfill the requirements of both amateur and expert.

key Points & Moonpay Alternatives List

Wallet/Platform	Key Point
Trust Wallet	Popular mobile wallet with support for 70+ blockchains and DApp browser.
Exodus	User-friendly desktop/mobile wallet with built-in exchange features.
Simplex	DeFi wallet focused on token swaps with integration across multiple DEXs.
Alchemy Pay	Open-source Ethereum wallet for managing ETH and ERC-20 tokens.
Guarda Wallet	Multi-asset wallet supporting staking, swaps, and hardware wallet integration.
Coinomi	Multi-chain wallet with native token support and strong privacy features.
CoinDebit	Bitcoin-only wallet offering cold and hot wallet modes.
Paxful	Full-node desktop wallet for Cardano, offering advanced security.
Ramp Network	Fiat-to-crypto gateway supporting direct bank transfers and wallet top-ups.

9 Moonpay Alternatives In 2025

1.Trust Wallet

A powerful MoonPay alternative is Trust Wallet, given the fact that it has an integrated crypto purchasing feature. This allows users to buy digital assets from the app through several vendors.

Unlike MoonPay, which focuses solely on converting fiat currency into crypto, Trust Wallet operates as a multi-chain wallet that can store and manage over 70 blockchains.

Users have total control of their private keys. Its decentralized architecture allows for purchases and asset management, meaning there is no custody service to centralize control. Users can interact with DApps and DeFi platforms directly, providing on-chain versatility for Trust Wallet users.

Feature	Details
Multi-Chain Support	Supports 70+ blockchains and thousands of tokens
In-App Purchases	Crypto purchases via third-party providers
DApp Browser	Built-in Web3 browser for decentralized applications
Self-Custody	Users have full control of private keys
Mobile Focused	Available on iOS and Android

2.Exodus

Exodus stands out as a compelling alternative to MoonPay because its sleek interface seamlessly integrates crypto purchasing via numerous third-party providers. Unlike Exodus, which offers a desktop and mobile wallet, MoonPay is focused only on fiat-to-crypto payment gateways.

Exodus’s key advantages are the integrated exchange and portfolio tracking features—users can buy, swap, and manage assets in a single application. Full custody of funds and keys means Exodus users do not have to trust a third-party to hold their funds.

This shifts the paradigm toward a more privacy-oriented gateway by allowing users access and control to their crypto with less reliance on centralized systems.

Feature	Details
Multi-Asset Support	Supports 260+ cryptocurrencies
Built-in Exchange	In-app crypto swapping via third-party APIs
Desktop & Mobile	Apps for Windows, macOS, Linux, iOS, and Android
Portfolio Tracker	Real-time performance tracking
User-Friendly UI	Known for sleek and intuitive interface

3.Simplex

Simplex as an alternative to MoonPay provides ease in switching fiat to crypto while preventing fraud and providing access globally.

Unlike Simplex, MoonPay does not enjoy the responsibility-free servicing that comes with processed crypto payments for purchases due to chargeback liability.

This makes it especially attractive to exchanges and platforms contemplating aggressive marketing towards smooth onboarding of fiat currencies.

With credit cards and Apple Pay, users are able to access a variety of cryptocurrencies. Supported by a user-friendly API and focus on meeting legal standards, it is an ideal crypto payment gateway.

Feature	Description
Zero Chargeback Guarantee	Provides a fraud-free payment processing system with a “zero chargeback” policy, ensuring merchants are protected from fraudulent transactions .
Global Availability	Supports users in over 190 countries, offering access to the crypto market for a diverse global audience .
Extensive Currency Support	Allows transactions in over 100 fiat currencies and supports more than 200 cryptocurrencies, providing flexibility for users worldwide .
High Approval Rates	Utilizes advanced AI-driven fraud detection systems to ensure higher approval rates for transactions, enhancing user experience and accessibility .

4.Alchemy Pay

Alchemy Pay is a notable competitor to MoonPay, mostly due to Alchemy Pay’s combining of crypto and traditional payment systems as well as services.

What distinguishes Alchemy Pay is the automation of enabling businesses to accept uusdc alongside traditional payment methods, smoothing daily interactions.

Unlike MoonPay, Alchemy Pay has a greater focus on merchant adoption through comprehensive payment gateways, integrated point-of-sale systems, and cross-border transactions.

It has a distinct merger payment framework which incorporates various blockchains, traditional currencies, and crypto to agilely, broadly, and securely allow retailers and consumers to conveniently transact with crypto in everyday commerce.

Feature	Description
Fiat-Crypto Payment Gateway	Enables businesses to accept payments in both fiat and cryptocurrencies, facilitating seamless transactions between traditional and digital currencies.
ACH Token Utility	The native ACH token is used for transaction fees, staking, governance, and as a liquidity provider within the Alchemy Pay ecosystem.
User-Friendly Dashboard	Features an intuitive interface for merchants to track transactions, manage settlements, and access analytics.
Partnerships & Ecosystem	Collaborates with major platforms like Binance, Shopify, and Polygon, enhancing its service offerings and expanding its global reach.

5.Guarda Wallet

Guarda Wallet’s built-in support for multi-currency fiat-to-crypto buying makes it an excellent MoonPay alternative. MoonPay works only as a payment processor, unlike Guarda, which offers a non-custodial platform where users manage their private keys and can buy, swap, and stake crypto without custodial services.

The wallet’s most notable feature is its support for over 50 blockchains and countless tokens, alongside hardware wallet compatibility. These features make Guarda a comprehensive wallet solution for self-custody, payments, and versatile asset management.

Feature	Details
50+ Blockchain Support	Multi-platform wallet for thousands of assets
Staking Available	Earn rewards with supported coins like ADA, DOT, and more
Built-in Exchange	Swap assets without leaving the wallet
Web, Mobile & Desktop	Cross-platform compatibility
Hardware Integration	Works with Ledger devices for extra security

6.Coinomi

Coinomi cryptocurrency wallet is different from MoonPay in that it provides users with a secure multi asset wallet and enables users to purchase cryptocurrency within the ecosystem.

In contrast to MoonPay, who mainly uses on-ramps paying for cryptocurrency to value gateways, Coinomi places main focus on user control and privacy, never personalizing data and spanning over 1770 blockchain assets.

This expectation is appealing because of their existing high prefix on anonymity and built in exchange services with fiat gateways that allows users to buy, store, and swap cryptocurrency in one place.

For someone looking for a user friendly wallet to make easy purchases without sacrificing security, Coinomi is a great choice.

Feature	Details
1,770+ Assets Supported	Wide variety of coins and tokens
Built-in Exchange	Swap crypto via ShapeShift and other APIs
Privacy-Focused	No user data collection or KYC
Multi-Platform	Available on Android, iOS, macOS, Windows, and Linux
Cold Storage Support	Allows offline transaction signing

7.CoinDebit

CoinDebit is a well-known MoonPay alternative which stands out by offering a user-friendly interface combined with instant crypto purchases. Unlike MoonPay, CoinDebit has low fees and a simplified verification process that allows users to convert fiat into cryptocurrencies easier and at a lower cost.

Accessibility is enhanced in CoinDebit since multiple payment options like credit cards and bank transfers are supported.

Transparent pricing together with swift transaction speeds make CoinDebit appealing to users who want an uncomplicated and affordable means to purchase cryptocurrency devoid of intricate steps or concealed fees.

Feature	Description
Multi-Crypto Support	Supports a wide range of cryptocurrencies including Bitcoin, Ethereum, Litecoin, and more.
Easy Integration	Provides APIs and plugins for popular e-commerce platforms for smooth integration.
User-Friendly Dashboard	Provides an intuitive interface for merchants to track payments, transactions, and settlements.
Recurring Payments Support	Supports subscription and recurring payment setups for merchants.
Compliance & KYC	Ensures regulatory compliance with KYC/AML protocols for secure and lawful transactions.

8.Paxful

Paxful offers an alternative to MoonPay as it specializes in P2P cryptocurrency trading, allowing users to buy or sell crypto with others around the world.

Unlike MoonPay’s centralized service, Paxful’s unique point is its marketplace model which gives greater flexibility in paying with anything from bank transfers to gift cards, increasing control over transactions.

This model allows Paxful to serve regions with scant access to banking services, aiding in financial inclusion. Its emphasis on escrow protection enables users to trust the platform for secure direct crypto trades rather than relying on fiat-to-crypto exchanges.

Feature	Description
Peer-to-Peer Trading	Allows direct buying and selling of Bitcoin between users worldwide without intermediaries.
Global Access	Available in over 180 countries, enabling cross-border cryptocurrency trading.
User Reputation System	Buyers and sellers can rate each other, helping to build trust and reduce fraud.
KYC & Security Measures	Optional KYC verification for enhanced account security and higher transaction limits.

9.Ramp Network

Ramp Network is a convenient substitution for MoonPay. Unlike other cryptocurrency exchanges, Ramp integrates directly into wallets, dApps, and Web3 platforms which creates a more efficient way to buy cryptocurrency.

In addition, Ramp constructs payment services with easier integration and gives users the ability to buy cryptocurrency without switching out of the platform they are using at the time.

Its most distinguishing quality is a developer-friendly API with regulatory compliance that allows projects to provide direct purchases of cryptocurrency through their own interfaces.

Ramp also simplifies the payment process for new users by supporting several local payment methods in different countries. Overall, developers and users looking for an easily accessible crypto transaction tool with worldwide presence can consider Ramp Network as a substitute for MoonPay.

Feature	Details
Embedded On-Ramp	Integrates into wallets, dApps, and Web3 sites
Global Fiat Support	Accepts bank transfers, cards, and local payment methods
Developer Friendly	Offers SDK and API for easy integration
KYC Compliance	Regulated in multiple jurisdictions
Fast Settlement	Near-instant crypto delivery post-payment

Conclusion

In summary MoonPay alternatives provide improved flexibility, control, and privacy for cryptocurrency users.

From self-custodial wallets like Trust Wallet to developer-friendly on-ramps such as Ramp Network, these platforms offer a wide range of services, well beyond simple fiat-to-crypto conversions.

These alternatives can be chosen based on the user’s priorities, whether it be security, variety of assets, access to DeFi systems, or integration with blockchain applications.

FAQ