MoonPay API

MoonPay provides a fiat-to-crypto (and crypto-to-fiat) onramp/offramp API that lets platforms accept credit cards, bank transfers, and other payment methods to purchase or sell cryptocurrency.

Evaluated Mar 06, 2026 (0d ago) vcurrent

Homepage ↗ Finance crypto onramp offramp fiat-to-crypto nft web3

⚙ Agent Friendliness

/ 100

Can an agent use this?

🔒 Security

/ 100

Is it safe for agents?

⚡ Reliability

/ 100

Does it work consistently?

Score Breakdown

⚙ Agent Friendliness

MCP Quality

Documentation

Error Messages

Auth Simplicity

Rate Limits

🔒 Security

TLS Enforcement

100

Auth Strength

Scope Granularity

Dep. Hygiene

Secret Handling

Publishable vs secret key separation is good practice. JWT URL signing prevents widget parameter tampering. KYC/AML compliance handled server-side by MoonPay. Domain whitelisting required for widget deployment.

⚡ Reliability

Uptime/SLA

Version Stability

Breaking Changes

Error Recovery

Best When

Your app needs a turnkey fiat-to-crypto onramp with KYC, fraud detection, and payment processing handled by a third party.

Avoid When

You need crypto-to-crypto swaps, deep DeFi integrations, or operate primarily in unsupported jurisdictions.

Use Cases

• Embedding a crypto purchase widget into a dApp or wallet so users can buy crypto with a credit card
• Automating NFT checkout flows where end users pay in fiat and receive the NFT
• Agent-driven portfolio rebalancing triggers that onramp fiat from linked bank accounts
• KYC-checked crypto offramp flows converting user crypto holdings to local fiat currency
• Monitoring transaction status and webhook events for completed crypto purchases in agent pipelines

Not For

• High-frequency trading or programmatic crypto swaps between cryptocurrencies (use a DEX or CEX API)
• Platforms needing full custodial wallet management beyond basic onramp/offramp
• Jurisdictions where MoonPay is not licensed — coverage varies significantly by country

Interface

REST API

Yes

GraphQL

gRPC

MCP Server

SDK

Yes

Webhooks

Yes

Authentication

Methods: api_key jwt

OAuth: No Scopes: No

Publishable API key for client-side widget initialization; secret key for server-side operations. JWT signatures used to pre-fill and lock widget parameters. Production keys require approved partner account.

Pricing

Model: usage_based

Free tier: Yes

Requires CC: No

MoonPay earns fees from end-user transactions, not per-API-call charges. Partner revenue share arrangements available at scale.

Agent Metadata

Pagination

offset

Idempotent

Partial

Retry Guidance

Not documented

Known Gotchas

⚠ Widget-based flow requires a browser/WebView context — not suitable for headless agent pipelines without a UI layer
⚠ KYC verification is a blocking step for first-time users — agents cannot fully automate new-user purchase flows
⚠ Supported currencies and payment methods vary significantly by user country — always query /v3/currencies for availability
⚠ Transaction status transitions are asynchronous — agents must poll or use webhooks; no synchronous completion guarantee
⚠ JWT URL signing has short expiry windows — pre-generating signed URLs for later use will result in invalid widget loads

Alternatives

stripe-api coinbase-commerce-api transak-api ramp-network-api

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Scores are editorial opinions as of 2026-03-06.