How are MoonPay’s fees structured, and what should users expect?

MoonPay applies a three-layer fee structure:

• Network Fee: Covers blockchain transaction costs (e.g., gas or mining fees), fluctuating based on network congestion MoonPay+1.
• MoonPay Fee: Varies based on payment method, order size, geography, and access channel. Typically up to 4.5%, with minimum thresholds (e.g. ~$3.99 USD). Fees may increase—by 0.25% to 10%—for currencies other than USD, GBP, or EUR MoonPay+1.
• Ecosystem Fee: A partner-set fee, usually between 0–2%, but can be up to 10%, shown clearly during checkout MoonPay.

User experiences reflect that fees can feel high. For instance, one user reported that out of a $160 purchase, only $132 worth of Bitcoin was received—reflecting a ~17.5% total cost, far exceeding MoonPay’s stated 4.5% max fee Reddit. This discrepancy likely stems from a combination of MoonPay fee, spread, network costs, and possible partner fees.