MoonPay scores 29 points above Onmeta, led by purchase cost, quote honesty, and named licence. MoonPay ranks #3 and Onmeta #14 of 16 published onramps. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
MoonPay70
vs
OMOnmeta41
Scores are out of 100; published scores fall within 41–99 · ranks #3 and #14 of 16
MoonPay scores 29 points above Onmeta, led by purchase cost, quote honesty, and named licence.
MoonPay #3 of 1670
OMOnmeta #14 of 1641
Scores are out of 100; published scores fall within 41–99; a bar is empty at 41 and full at 99.
Why, term by termMoonPay leads on 3 of 4 published criteria; Onmeta on 1. The terms sum to the gap.
TermMoonPayOnmetaWeightPoints
Purchase cost6/101/108.2+10.6for MoonPay+5.4 of 32
Quote honesty5/104/106.2+1.6for MoonPay+0.8 of 32
Named licence9/104/105.3+6.9for MoonPay+3.5 of 32
KYC and speed5/106/104.3−1.1for Onmeta−0.6 of 32
AvailabilityScore dimension14620+20.8for MoonPay
Net of the terms+38.8
Reproduced gap+38.7
Published gapAfter score rounding and bounds — see the note below7041+29.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
A floor bound on one row means the criterion arithmetic does not reproduce the displayed gap exactly.
MoonPayScore 70Highest-distribution consumer/embedded fiat-to-crypto rail with the pool's deepest numbered licence stack — but an 'up to 4.5%' card fee cap plus an unquantified spread means the €200 all-in is only knowable inside the widget.Strength: Licence identity — 9/10Watch-out: Every published rate is an 'up to' cap and the spread is acknowledged but never quantified against any benchmark — so the true all-in cost of a €200 card purchase (fee cap alone €9.00) is only discoverable inside the widget at quote time, and once accepted, 'All Orders are final and cannot be refunded.'OnmetaScore 41FIU-IND-registered Indian B2B onramp widget/API (Abhibha Technologies Pvt. Ltd.) running UPI, GCash and QRIS rails across India, the Philippines and Indonesia — with no published fee schedule anywhere on its surfaces and a terms-level 1% 'spillage' clause instead of a rate lock.Strength: Kyc friction time to coins — 6/10Watch-out: You cannot learn what a purchase costs before starting one — no fee schedule exists anywhere on Onmeta's surfaces, the widget quote at transaction time is the first number you ever see, and the terms you accept pre-waive chargebacks and pre-authorize a non-refundable shortfall of up to 1% ('spillage') on what actually arrives.
Quick facts
At a glance
1 of 3 rows read the same for both.
FactMoonPayOnmeta
PricingSnapshotMoonPay "Pricing Disclosure" for MoonPay Europe B.V. (https://www.moonpay.com/legal/europe_pricing_disclosure), fetched 29 September 2026, HTTP 200. MoonPay fee, buy side: Payment Cards & Alternative Payment Methods "Up to 4.5%"; Bank Transfers "Up to 1%"; PayPal "Up to 4.5%". Minimum: "A minimum MoonPay fee of €3.99 will be applied if your transaction amount is below a minimum threshold." Direct access: "If you access the MoonPay platform directly, the MoonPay fee will be in an amount between 0% and 5%." Partner-referred: "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 minimum MoonPay fee that will never be more than €/£/$4.50." Partner ecosystem fee: "This ecosystem fee is set by each partner and may not exceed 10% but is typically between 0% and 2%." Spread: "For MoonPay Rails services, MoonPay Europe may include a spread in the asset price shown to you during your transaction." with no percentage; the base price comes from "reputable, independent third parties every 10 seconds", none named. Network fee: "The network fee covers the costs associated with the transfer of a Crypto-Asset and may vary depending on a number of factors, such as network congestion and operational costs." Worked example (our arithmetic, not a MoonPay figure): a EUR 200 card purchase carries a MoonPay fee of up to EUR 9.00 (4.5 percent cap); by bank transfer up to EUR 2.00 (1 percent cap), or the EUR 3.99 minimum if EUR 200 is below the unstated threshold; each before the unquantified spread, the network fee and any partner ecosystem fee. The "small conversion fee" sentence quoted in the 18 August 2026 note belongs to the page's virtual-account section, not to the onramp.No processing fee, spread or minimum is published. Onmeta widget FAQ (https://docs.onmeta.in/docs/widget/faq/), fetched 29 September 2026, HTTP 200: its "Pricing & Fees" section answers only "Gas fee varies from chain to chain. It is calculated using a combination of gas price and gas units needed to process the transaction." and, for the sell side, "We deduct TDS only for off-ramp transactions. TDS is 1% based on the latest ruling by the Government of India." The end-user terms (https://onmeta.in/terms-endusers-2) say only "You will be required to pay certain fees on each transaction you undertake on Onmeta. It will be reflected on the API while you undertake each transaction." The homepage routes pricing to "Schedule a Demo". No purchase can be priced from a published page.
Asset coverageEditorial——
Region fitSnapshotglobalasia
From the published criteria
Which should you pick?
MoonPay
70#3 of 16
Leads
Pick it when
Pick MoonPay if purchase cost matters most — it scores 6/10 to Onmeta's 1/10 there (weight 34).
Strength
Licence identity — 9/10
Tradeoff
Every published rate is an 'up to' cap and the spread is acknowledged but never quantified against any benchmark — so the true all-in cost of a €200 card purchase (fee cap alone €9.00) is only discoverable inside the widget at quote time, and once accepted, 'All Orders are final and cannot be refunded.'
OM
Onmeta
41#14 of 16
Pick it when
Pick Onmeta if KYC and speed matters most — it scores 6/10 to MoonPay's 5/10 there (weight 18).
Strength
Kyc friction time to coins — 6/10
Tradeoff
You cannot learn what a purchase costs before starting one — no fee schedule exists anywhere on Onmeta's surfaces, the widget quote at transaction time is the first number you ever see, and the terms you accept pre-waive chargebacks and pre-authorize a non-refundable shortfall of up to 1% ('spillage') on what actually arrives.
Self-identify in 10 seconds
Which one is actually for you?
MoonPayLeads
Choose MoonPay if purchase cost matters most
Purchase cost: 6/10 against 1/10 for Onmeta (weight 34)
Quote honesty: 5/10 against 4/10 for Onmeta (weight 26)
Named licence: 9/10 against 4/10 for Onmeta (weight 22)
MoonPayScore 70Highest-distribution consumer/embedded fiat-to-crypto rail with the pool's deepest numbered licence stack — but an 'up to 4.5%' card fee cap plus an unquantified spread means the €200 all-in is only knowable inside the widget.Strength: Licence identity — 9/10Watch-out: Every published rate is an 'up to' cap and the spread is acknowledged but never quantified against any benchmark — so the true all-in cost of a €200 card purchase (fee cap alone €9.00) is only discoverable inside the widget at quote time, and once accepted, 'All Orders are final and cannot be refunded.'
OMOnmeta
Choose Onmeta if KYC and speed matters most
KYC and speed: 6/10 against 5/10 for MoonPay (weight 18)
OnmetaScore 41FIU-IND-registered Indian B2B onramp widget/API (Abhibha Technologies Pvt. Ltd.) running UPI, GCash and QRIS rails across India, the Philippines and Indonesia — with no published fee schedule anywhere on its surfaces and a terms-level 1% 'spillage' clause instead of a rate lock.Strength: Kyc friction time to coins — 6/10Watch-out: You cannot learn what a purchase costs before starting one — no fee schedule exists anywhere on Onmeta's surfaces, the widget quote at transaction time is the first number you ever see, and the terms you accept pre-waive chargebacks and pre-authorize a non-refundable shortfall of up to 1% ('spillage') on what actually arrives.
Criterion by criterion
Scorecard
Published criteria · weight in points of 868 of 8 cells scored. Strength is read from the evidence file; the weight is the published one. Methodology
Purchase cost
by 5 of 10weight 8.2 of 86MoonPay leads
MoonPay6/10 out of 10
Onmeta1/10 out of 10
Quote honesty
by 1 of 10weight 6.2 of 86MoonPay leads
MoonPay5/10 out of 10
Onmeta4/10 out of 10
Named licence
by 5 of 10weight 5.3 of 86MoonPay leads
MoonPay9/10 out of 10
Onmeta4/10 out of 10
KYC and speed
by 1 of 10weight 4.3 of 86Onmeta leads
MoonPay5/10 out of 10
Onmeta6/10 out of 10
Score dimensions
weights sum to 86
The published score is five dimensions, each weighted for the category. "Published criteria" is the criteria block above; the other four are the engine's own terms — availability, friction, trust record, measured data. Each bar is one side's points out of that dimension's maximum; the weight beside the name is its points of the 86-point weighted total. The published criteria above can fill 24 of the block’s 30. A weight marked “constant here” belongs to a dimension every ranked product in the category holds at the same value: it still counts in the total, and it orders nothing here.
Availabilityweight 20 of 86
MoonPay14/20Onmeta6/20
MoonPay leads
Published criteriaweight 30 of 86
MoonPay14.9/30Onmeta8/30
MoonPay leads
Frictionweight 10 of 86 · constant here
MoonPay2.7/10Onmeta2.7/10
Tie
Trust recordweight 8 of 86 · constant here
MoonPay3.2/8Onmeta3.2/8
Tie
Measured dataweight 18 of 86
MoonPay8.3/18Onmeta8.3/18
Tie
Decision rulePublished order
Choose MoonPay unless the term Onmeta leads on is the one you are buying.
Pick Onmeta if KYC and speed matters most — it scores 6/10 to MoonPay's 5/10 there (weight 18).
The published order weighs every criterion the same way for everyone. To weigh them your way, run .
From the published order
Next best action
If this isn't your case
Other matchups worth comparing
How you can lose money here, and what the ranking scores
Regulatory failure: no licence where you are, or a forced market exit.
Scored by Whose money-transmission licence is my money riding — and is that entity my counterparty? · 22% (MoonPay 9/10, Onmeta 4/10)
Execution failure: you get a worse price, later, or nothing.
Scored by Is the number on the widget the number that settles? · 26% (MoonPay 5/10, Onmeta 4/10)
Information failure: the number is wrong or bought, or your data leaks.
Scored by How much identity do I surrender before the coins land in my wallet, and how long does that take? · 18% (MoonPay 5/10, Onmeta 6/10)
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Exit failure. A high place says nothing about these; the Methodology tab says what each means.
Also scored, as cost, quality or a summary of several families: What does a €200 purchase actually cost me — by card and by bank, all-in? (34%).
Questions
Frequently asked questions
MoonPay scores 29 points above Onmeta, led by purchase cost, quote honesty, and named licence. Published scores, out of 100: MoonPay 70 (rank 3 of 16 onramps), Onmeta 41 (rank 14 of 16).
Reviewed means both products compared here was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Answer a few quick questions and get one clear recommendation based on how you actually plan to use crypto — with rationale, tradeoffs, and a path to monitor the decision.
No signup·Free first pass · Private·No spam · No account
Not financial advice · Independent · Always do your own research
Not financial advice · For informational purposes only · Always do your own research
