MoonPay and Ramp Network tie on score at 70; the published tie-break orders them. MoonPay is ahead on named licence. MoonPay ranks #3 and Ramp Network #4 of 16 published onramps. The ledger below shows where each side is ahead — pick by the criterion that matters to you.
MoonPay70
vs
RARamp Network70
Scores are out of 100; published scores fall within 41–99 · ranks #3 and #4 of 16
MoonPay and Ramp Network tie on score at 70; the published tie-break orders them. MoonPay is ahead on named licence.
MoonPay #3 of 1670
RARamp Network #4 of 1670
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 1 of 4 published criteria; Ramp Network on 1. The terms sum to the gap.
TermMoonPayRamp NetworkWeightPoints
Named licence9/108/105.3+1.4for MoonPay+0.7 of 32
KYC and speed5/106/104.3−1.1for Ramp Network−0.6 of 32
Net of the terms+0.2
Reproduced gap+0.3
Published gapAfter score rounding and bounds — see the note below70700.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
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.'Ramp NetworkScore 70Developer-first embedded onramp with a fully published per-rail fee-cap schedule (card up to 3.9% USD/EUR/GBP, manual bank up to 1.40%, min up to €2.49) and a numbered three-entity licence stack (FCA 928783, FinCEN MSB 31000287566749, CBI MiCA CASP) — but the rate is struck when your payment reaches its account, so the confirm-screen number is explicitly not guaranteed.Strength: Licence identity — 8/10Watch-out: The confirm-screen number is explicitly not the settled number: Ramp's own rate article says 'the amount you receive may differ from the initial quote' because the rate is struck 'at the moment your payment reaches our account', and its terms make bank-transfer repricing contractual — with the markup hidden inside an unquantified 'floating exchange rate' rather than published as a spread over a named benchmark.
Quick facts
At a glance
1 of 3 rows read the same for both.
FactMoonPayRamp Network
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.Ramp Network help article "What fees are charged when buying crypto?" (https://support.rampnetwork.com/en/articles/10415-what-fees-does-ramp-network-charge-for-buying-crypto, dated "June 25, 2025"), fetched 29 September 2026, HTTP 200, unchanged from 18 August 2026. Buy-side fees (minimum fee, fee percentage): Bank transfers (manual) "Up to €2.49", "Up to 1.40%"; Easy Bank transfers "Up to €2.49", "Up to 2.40%"; Credit or debit cards (USD, EUR, GBP) "Up to €2.49", "Up to 3.9%"; Credit or debit cards (other currencies) "Up to €2.49" (local equivalent), "Up to 5.45%"; Pix "Up to €2.49", "Up to 2.90%"; Apple Pay and Google Pay "Same as the underlying card". The page says "The fees listed here apply to transactions on our own platform" and that partners may add their own fee. Network fee: "The network fee is determined by miners/validators on the blockchain in question." Rate: "the amount of crypto you receive is based on the exchange rate at the time your payment reaches our account"; no spread percentage and no named benchmark. Worked example (our arithmetic, not a Ramp figure): a EUR 200 purchase by manual bank transfer carries a Ramp fee of at most EUR 2.80 (1.40 percent cap), by EUR card at most EUR 7.80 (3.9 percent cap); the minimum fee does not bind at EUR 200; network fee and any partner fee are extra.
Asset coverageEditorial——
Region fitSnapshotglobalglobal, us, europe
From the published criteria
Which should you pick?
MoonPay
70#3 of 16
Pick it when
Pick MoonPay if named licence matters most — it scores 9/10 to Ramp Network's 8/10 there (weight 22).
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.'
RA
Ramp Network
70#4 of 16
Pick it when
Pick Ramp Network if KYC and speed matters most — it scores 6/10 to MoonPay's 5/10 there (weight 18).
Strength
Licence identity — 8/10
Tradeoff
The confirm-screen number is explicitly not the settled number: Ramp's own rate article says 'the amount you receive may differ from the initial quote' because the rate is struck 'at the moment your payment reaches our account', and its terms make bank-transfer repricing contractual — with the markup hidden inside an unquantified 'floating exchange rate' rather than published as a spread over a named benchmark.
Self-identify in 10 seconds
Which one is actually for you?
MoonPay
Choose MoonPay if named licence matters most
Named licence: 9/10 against 8/10 for Ramp Network (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.'
RARamp Network
Choose Ramp Network if KYC and speed matters most
KYC and speed: 6/10 against 5/10 for MoonPay (weight 18)
Ramp NetworkScore 70Developer-first embedded onramp with a fully published per-rail fee-cap schedule (card up to 3.9% USD/EUR/GBP, manual bank up to 1.40%, min up to €2.49) and a numbered three-entity licence stack (FCA 928783, FinCEN MSB 31000287566749, CBI MiCA CASP) — but the rate is struck when your payment reaches its account, so the confirm-screen number is explicitly not guaranteed.Strength: Licence identity — 8/10Watch-out: The confirm-screen number is explicitly not the settled number: Ramp's own rate article says 'the amount you receive may differ from the initial quote' because the rate is struck 'at the moment your payment reaches our account', and its terms make bank-transfer repricing contractual — with the markup hidden inside an unquantified 'floating exchange rate' rather than published as a spread over a named benchmark.
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
weight 8.2 of 86Tie
MoonPay6/10 out of 10
Ramp Network6/10 out of 10
Quote honesty
weight 6.2 of 86Tie
MoonPay5/10 out of 10
Ramp Network5/10 out of 10
Named licence
by 1 of 10weight 5.3 of 86MoonPay leads
MoonPay9/10 out of 10
Ramp Network8/10 out of 10
KYC and speed
by 1 of 10weight 4.3 of 86Ramp Network leads
MoonPay5/10 out of 10
Ramp Network6/10 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
MoonPay14/20Ramp Network14/20
Tie
Published criteriaweight 30 of 86
MoonPay14.9/30Ramp Network14.8/30
MoonPay leads
Frictionweight 10 of 86 · constant here
MoonPay2.7/10Ramp Network2.7/10
Tie
Trust recordweight 8 of 86 · constant here
MoonPay3.2/8Ramp Network3.2/8
Tie
Measured dataweight 18 of 86
MoonPay8.3/18Ramp Network8.3/18
Tie
Decision rulePublished order
Same published score — pick by the criterion that matters to you.
Pick MoonPay if named licence matters most — it scores 9/10 to Ramp Network's 8/10 there (weight 22).
Pick Ramp Network 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, Ramp Network 8/10)
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, Ramp Network 5/10)
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, Ramp Network 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 and Ramp Network tie on score at 70; the published tie-break orders them. MoonPay is ahead on named licence. Published scores, out of 100: MoonPay 70 (rank 3 of 16 onramps), Ramp Network 70 (rank 4 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.
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