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PayPal

PayPal

Global e-commerce

VS

MoonPay

Crypto on-ramp

MoonPay
Fees from
2.9% + $0.30 + split fees vs 4.5% card; 1% bank transfer
Features

2 shared

3 unique to PayPal · 1 unique to MoonPay
Regions

4 shared

3 unique to PayPal
Pay methods

6 shared

13 unique to PayPal · 4 unique to MoonPay

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6 features · 23 payment methods · 7 regions. We don't rank these — they're here for reference.
PayPal PayPal
MoonPay MoonPay
Quick Facts
Fees
Standard transaction rate
2.9% + $0.30 + split fees
4.5% card; 1% bank transfer
Settlement
Time to receive funds
3–5 business days
Same day
Founded
1998
2019
Headquarters
San Jose, California
Miami, United States
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
PayPal leads (5 vs 3)
Crypto Support
✓
✓
Enterprise
✓
✓
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
✓
—
Low Fees Unique
✓
—
Payment Methods
PayPal leads (19 vs 10)
Amex Unique
✓
—
Apple Pay
✓
✓
Bancontact Unique
✓
—
Bank Transfer
✓
✓
Blik Unique
✓
—
Bnpl Unique
✓
—
Credit Card Unique
—
✓
Crypto
✓
✓
Debit Card Unique
—
✓
Discover Unique
✓
—
Eps Unique
✓
—
Faster Payments Unique
—
✓
Giropay Unique
✓
—
Google Pay
✓
✓
Ideal Unique
✓
—
Mastercard Unique
✓
—
Paypal
✓
✓
Przelewy24 Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
✓
—
Trustly Unique
✓
—
Venmo
✓
✓
Visa Unique
✓
—
Regions
PayPal leads (7 vs 4)
Africa Unique
✓
—
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
✓
—
North America
✓
✓
Oceania Unique
✓
—

PayPal is best when you...

Global e-commerce
Need Instant Payout
Not available with MoonPay
Need Instant Sandbox
Not available with MoonPay
Want coverage in Africa, Middle East, Oceania
MoonPay doesn't cover these regions
View PayPal

MoonPay is best when you...

Crypto on-ramp
Need High Risk Accepted
Not available with PayPal
View MoonPay

Frequently Asked Questions

What is the difference between PayPal and MoonPay?
They share 6 payment methods and 4 regions. PayPal adds Amex, Bancontact, BLIK and 10 more that MoonPay does not list; MoonPay adds Credit Card, Debit Card, Faster Payments and 1 more that PayPal does not list; PayPal also covers Africa, Middle East and 1 more; only PayPal offers Instant Payout, Instant Sandbox and 1 more.
Which is cheaper, PayPal or MoonPay?
PayPal has published rates from 2.9% + $0.30 + split fees; MoonPay has published rates from 4.5% card; 1% bank transfer. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use PayPal and MoonPay?
PayPal lists 7 regions and 19 payment methods; MoonPay lists 4 and 10. both cover Asia, Europe, Latin America and 1 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PayPal and MoonPay compare on integration and settlement?
both offer a sandbox; both support webhooks; PayPal settles in 3–5 business days, MoonPay in Same day.

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