MoonPay vs Stripe Crypto Onramp MoonPay leads by 16 points.
MoonPay scores 16 points above Stripe Crypto Onramp, led by purchase cost and named licence. MoonPay ranks #3 and Stripe Crypto Onramp #9 of 16 published onramps. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
MoonPay70
vs
Stripe Crypto Onramp54
Scores are out of 100; published scores fall within 41–99 · ranks #3 and #9 of 16
MoonPay scores 16 points above Stripe Crypto Onramp, led by purchase cost and named licence.
MoonPay #3 of 1670
Stripe Crypto Onramp #9 of 1654
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 2 of 4 published criteria; Stripe Crypto Onramp on 0. The terms sum to the gap.
TermMoonPayStripe Crypto OnrampWeightPoints
Purchase cost6/104/108.2+4.2for MoonPay+2.2 of 32
Named licence9/106/105.3+4.1for MoonPay+2.1 of 32
AvailabilityScore dimension141120+7.8for MoonPay
Net of the terms+16.2
Reproduced gap+16.1
Published gapAfter score rounding and bounds — see the note below7054+16.0
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.'Stripe Crypto OnrampScore 54Stripe's application-gated fiat-to-crypto rail (hosted at crypto.link.com or embedded) riding Stripe Payments Company's US money-transmitter stack and Stripe Technology Europe's Irish EMI, with the crypto leg on an unnamed 'Exchange Provider' and pricing disclosed only as a help-centre 3-5% range plus an unquantified spread.Strength: Licence identity — 6/10Watch-out: You cannot learn your actual price before starting a purchase: the only public number is a help-centre 'normally 3-5%' range with Stripe's own spread stacked on top, unquantified against any benchmark — and your bank-rail cost has no published number at all.
Quick facts
At a glance
1 of 3 rows read the same for both.
FactMoonPayStripe Crypto Onramp
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.Link (Stripe) help article "Fees when using Link to buy crypto" (https://support.link.com/questions/fees-when-using-link-to-buy-crypto, modified 12 May 2026), fetched 29 September 2026, HTTP 200, unchanged from 18 August 2026. Processing fees: "These are payment processing fees charged based on factors such as your order value and the payment method you’ve used. These will normally amount to 3-5% of your order value and will be shown in more detail before you make a purchase." Network fees: "They’re dynamically calculated based on blockchain network conditions." Card-issuer cash-advance fees: "these fees are typically around 3%, sometimes with a 10 USD/EUR minimum." No per-rail schedule exists on stripe.com or docs.stripe.com (docs.stripe.com/crypto/onramp/fees returns HTTP 404 on 29 September 2026). The spread is separate and unquantified: Stripe's US Onramp Terms define "a fee that Stripe will charge between the market price we receive from our Exchange Provider and the price displayed to you (the "spread")". Worked example (our arithmetic, not a Stripe figure): a EUR 200 card purchase would "normally" carry EUR 6.00 to EUR 10.00 in processing fees, before the unquantified spread, the network fee and any card-issuer cash-advance fee; there is no EUR bank rail (bank account payments are "for US only").
Asset coverageEditorial——
Region fitSnapshotglobalus, europe
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 Stripe Crypto Onramp's 4/10 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.'
Stripe Crypto Onramp
54#9 of 16
Pick it when
Stripe Crypto Onramp leads MoonPay on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.
Strength
Licence identity — 6/10
Tradeoff
You cannot learn your actual price before starting a purchase: the only public number is a help-centre 'normally 3-5%' range with Stripe's own spread stacked on top, unquantified against any benchmark — and your bank-rail cost has no published number at all.
Self-identify in 10 seconds
Which one is actually for you?
MoonPayLeads
Choose MoonPay if purchase cost matters most
Purchase cost: 6/10 against 4/10 for Stripe Crypto Onramp (weight 34)
Named licence: 9/10 against 6/10 for Stripe Crypto Onramp (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.'
Stripe Crypto Onramp
Stripe Crypto Onramp leads MoonPay on no published criterion
Choose it only if something outside the published criteria decides for you — your country, a funding rail, or custody.
Stripe Crypto OnrampScore 54Stripe's application-gated fiat-to-crypto rail (hosted at crypto.link.com or embedded) riding Stripe Payments Company's US money-transmitter stack and Stripe Technology Europe's Irish EMI, with the crypto leg on an unnamed 'Exchange Provider' and pricing disclosed only as a help-centre 3-5% range plus an unquantified spread.Strength: Licence identity — 6/10Watch-out: You cannot learn your actual price before starting a purchase: the only public number is a help-centre 'normally 3-5%' range with Stripe's own spread stacked on top, unquantified against any benchmark — and your bank-rail cost has no published number at all.
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 2 of 10weight 8.2 of 86MoonPay leads
MoonPay6/10 out of 10
Stripe Crypto Onramp4/10 out of 10
Quote honesty
weight 6.2 of 86Tie
MoonPay5/10 out of 10
Stripe Crypto Onramp5/10 out of 10
Named licence
by 3 of 10weight 5.3 of 86MoonPay leads
MoonPay9/10 out of 10
Stripe Crypto Onramp6/10 out of 10
KYC and speed
weight 4.3 of 86Tie
MoonPay5/10 out of 10
Stripe Crypto Onramp5/10 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
MoonPay14/20Stripe Crypto Onramp11/20
MoonPay leads
Published criteriaweight 30 of 86
MoonPay14.9/30Stripe Crypto Onramp11.7/30
MoonPay leads
Frictionweight 10 of 86 · constant here
MoonPay2.7/10Stripe Crypto Onramp2.7/10
Tie
Trust recordweight 8 of 86 · constant here
MoonPay3.2/8Stripe Crypto Onramp3.2/8
Tie
Measured dataweight 18 of 86
MoonPay8.3/18Stripe Crypto Onramp8.3/18
Tie
Decision rulePublished order
Choose MoonPay unless the term Stripe Crypto Onramp leads on is the one you are buying.
Stripe Crypto Onramp leads MoonPay on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.
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, Stripe Crypto Onramp 6/10)
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, Stripe Crypto Onramp 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, Stripe Crypto Onramp 5/10)
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 16 points above Stripe Crypto Onramp, led by purchase cost and named licence. Published scores, out of 100: MoonPay 70 (rank 3 of 16 onramps), Stripe Crypto Onramp 54 (rank 9 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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