Best MoonPay alternatives for crypto payments in 2026

MoonPay is one of the most well-known services for buying and selling crypto with fiat. The platform offers on-ramp and off-ramp solutions, support for card payments and local payment methods, as well as separate products for crypto payments and businesses.

However, MoonPay is not suitable for every business. Companies may seek MoonPay alternatives due to geographic restrictions, fee structure, available payment methods, or integration requirements.

Below, we'll look at several popular services that can be used as alternatives to MoonPay in 2026.

Sheepy

Sheepy is a crypto payment provider primarily aimed at businesses that want to accept cryptocurrency as payment for goods and services. Unlike a typical fiat-to-crypto on-ramp, where the user first purchases cryptocurrency with fiat, Sheepy focuses on direct crypto payments. Businesses can integrate a payment gateway and accept digital assets without having to develop their own infrastructure to process blockchain transactions.

This approach is particularly suitable for e-commerce, SaaS platforms, digital services, and other companies that want to add cryptocurrency as a full-fledged payment method. Compared with MoonPay, Sheepy focuses more on helping businesses accept crypto payments and is more suitable for e-commerce and online services, as the payment process is built around merchant payments. Another advantage is that businesses don't need to develop their own blockchain payment infrastructure. Thus, for companies that need a crypto payment gateway rather than just a fiat on-ramp, Sheepy can be a good choice.

Transak

Transak is one of MoonPay's most direct competitors. The service allows businesses to integrate cryptocurrency purchases and sales directly into their websites or apps. It offers both a ready-made widget and a white-label API, giving companies different options for implementing fiat-to-crypto transactions.

With the white-label API, businesses can build their own checkout interface while Transak handles KYC, compliance, and the payment infrastructure. The service also supports both on-ramp and off-ramp transactions. Its integration options make it relevant for companies that want greater control over the user experience when adding cryptocurrency purchases and sales to their products.

Ramp Network

Ramp Network is another major fiat-to-crypto on-ramp that can be integrated into crypto wallets, Web3 apps, and other products. The service supports bank cards, Apple Pay, Google Pay, bank transfers, and local payment methods depending on the region.

The strongest points of Ramp Network are its position in the European market and support for local payment methods. Its core product is primarily aimed at on-ramp consumers, making it suitable for integrating cryptocurrency purchases directly into an app.

Banxa

Banxa provides global infrastructure for fiat-to-crypto and crypto-to-fiat transactions. The service is aimed at international companies and supports bank cards, bank transfers, Apple Pay, Google Pay, and various local payment methods. Hosted checkout, API, and mobile SDKs are available for integration.

Banxa has wider geographic coverage than MoonPay and a larger number of local payment methods. It also offers a ready-made hosted checkout, which simplifies launch. The service supports both on-ramp and off-ramp scenarios.

Coinbase Onramp

Coinbase Onramp is a solution from the Coinbase Developer Platform for integrating cryptocurrency purchases into third-party applications. Developers can add on-ramp functionality directly to their products via an API and pre-built components. Coinbase also handles KYC and user payment data management.

Compared with MoonPay, Coinbase Onramp offers tight integration with the Coinbase ecosystem. For instance, existing Coinbase users can use their balances. Built-in compliance features are also part of the solution, making it especially convenient for products that work with USDC.

Mercuryo

Mercuryo provides payment infrastructure for buying and selling cryptocurrency and works with wallets, Web3 apps, and other crypto projects. Like MoonPay, Mercuryo allows businesses to integrate cryptocurrency purchases directly into an app's user flow.

Mercuryo can be a better option when it comes to broad coverage of European markets and support for multiple fiat currencies. It is also suitable for individual users and B2B integrations, including applications that require both on-ramp and off-ramp functionality.

BitPay

BitPay primarily focuses on helping businesses accept cryptocurrency payments. The service allows merchants to accept various digital assets online, through invoices, and in e-commerce scenarios. Received funds can be converted to fiat or held in cryptocurrency.

Unlike MoonPay's fiat-to-crypto on-ramp, BitPay primarily focuses on merchant payments rather than cryptocurrency purchases by users. It also offers ready-made e-commerce integrations, making it a relevant option for online stores and other merchants.

Onramper

Onramper takes a different approach. It is not a standalone on-ramp provider, but an aggregator of several providers. Through a single integration, businesses can connect multiple on-ramp services and select the appropriate option based on the user's country, payment method, transaction cost, and other parameters.

This approach can help businesses expand geographic coverage and provides a fallback if one payment route is unavailable. It also allows companies to offer users different purchase options without integrating each provider separately.

How to choose an alternative to MoonPay

The best alternative to MoonPay depends on your specific business scenario. If your primary goal is to accept cryptocurrency as payment for goods or services, Sheepy and other crypto payment processors are worth considering first. If you need to integrate cryptocurrency buying and selling into your app, consider comparing Transak, Ramp Network, Banxa, Coinbase Onramp, and Mercuryo.

If users are located in different countries and a single provider isn't enough, an aggregator like Onramper allows you to connect multiple payment solutions through a single integration. When choosing, consider not only fees but also geographic coverage, available payment methods, support for the required blockchain networks, KYC/KYB requirements, settlement methods, and API capabilities.

Therefore, when choosing a MoonPay alternative, it is worth first determining what exactly the product requires: fiat on-ramp, off-ramp, acceptance of cryptocurrency payments, or a combination of several payment routes.