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MoonPay Commerce
Crypto checkout gateway and pay links serving over 6,000 merchants across 160 countries
3.9/ 5
Our score
Good
Settlement
CryptoStablecoinsFiatAuto-conversion
Settle in stablecoins
Yes
Self-hosted option
No
What is MoonPay Commerce?
MoonPay Commerce is a crypto payment gateway and checkout platform that lets online merchants, developers, and creators accept digital assets globally. Created after MoonPay acquired checkout provider Helio, the service enables businesses to embed payment flows, generate direct payment links, and collect recurring subscriptions in tokens such as USDC, USDT, SOL, BTC, and ETH.
Corporate background and leadership
The service is operated by MoonPay, a fintech infrastructure company headquartered in Dover, Delaware. The firm is a registered Money Services Business in the United States under NMLS ID 2071245.
How checkout and settlement work
Merchants integrate MoonPay Commerce using prebuilt hosted checkouts, payment links, APIs, or developer SDKs. Customers can complete cryptocurrency transactions through the checkout or choose a card payment option that charges standard debit or credit cards while settling crypto to the merchant. For payouts, businesses can take direct crypto deposits or configure automated conversion into fiat currencies including USD, EUR, and GBP.
Track record and availability
Following the integration of Helio technology, MoonPay Commerce formally launched on October 15, 2025. As of late 2025, the platform served more than 6,000 active merchants and developers worldwide, including Shopify stores, Ledger, Jupiter, and Fortune Media. Services are accessible to businesses across more than 160 countries, subject to business verification and standard anti-money laundering checks.
Risks and operational trade-offs
While blockchain payments eliminate traditional credit card chargebacks, erroneous transfers by buyers are irreversible. Merchants holding cryptocurrency balances remain exposed to currency volatility before conversion.
Best for:E-commerce merchants accepting stablecoinsCreators selling recurring subscriptionsDevelopers building embedded web3 checkoutsCross-border digital goods platforms
Pros and cons
Pros
- Serves more than 6,000 merchants across 160 supported countries
- Instant settlement in crypto or automatic conversion into USD, EUR, and GBP
- Supports card payments that pay out in cryptocurrency to the merchant
- Operates under MoonPay's registered US Money Services Business status (NMLS ID: 2071245)
Cons
- Hosted platform with no self-hosted or open-source deployment option
- Counterparty exposure during the payment processing and fiat conversion window
- High-volume pricing requires negotiating custom fee agreements
Our review
3.9/5
Good
MoonPay Commerce delivers multi-asset checkout links and fiat auto-conversion, with custom pricing for high-volume merchants.
MoonPay Commerce acts as the merchant checkout suite for MoonPay, incorporating the architecture of crypto payments platform Helio following its acquisition. Launched under the unified brand in October 2025, the platform serves over 6,000 merchants across more than 160 countries. Supported checkout assets include Bitcoin, Ethereum, Solana, USDC, and USDT.
The system gives merchants distinct settlement pathways. Sellers can accept crypto directly or enable automatic conversion into fiat currencies including USD, EUR, and GBP. Through the Pay with Card feature, buyers without native crypto balances can pay using standard payment cards while the merchant receives cryptocurrency settlement. Integration options span shareable Pay Links alongside developer APIs configured for on-chain checkouts across web and decentralized applications.
MoonPay is registered as a Money Services Business under NMLS ID 2071245. Enterprise adoption includes integrations across brands like Shopify, Ledger, and Jupiter. The gateway operates as a hosted service rather than an open-source, self-hosted deployment, meaning businesses depend fully on MoonPay infrastructure for checkout availability.
The platform fits international merchants, web3 builders, and digital creators who want turnkey pay links and card-to-crypto checkout options without holding volatile assets. Teams requiring a self-hosted open-source server will need an alternative architecture.
Specs
| Settlement | Crypto, Stablecoins, Fiat, Auto-conversion · unverified |
|---|---|
| Integrations | Shopify · unverified |
| Invoicing | Yes · unverified |
| Recurring payments | Yes · unverified |
| Self-hosted option | No |
| Settle in stablecoins | Yes · unverified |
| API & SDKs | Yes · unverified |
Not disclosed by the provider: Processing fee, Coins supported, Mass payouts, Point of sale, Business verification (KYB), Merchant countries.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Key features
Multicurrency checkout
Accepts customer payments in major digital currencies including USDC, USDT, SOL, BTC, and ETH across multiple blockchains.
Flexible fiat settlement
Settles directly to non-custodial crypto addresses or auto-converts balances into fiat currencies such as USD, EUR, and GBP.
No-code pay links
Generates shareable payment URLs in minutes to bill for one-off sales, digital content, or recurring subscriptions without code.
Pay with card
Allows buyers without crypto to pay via traditional cards while delivering digital currency directly to the merchant.
Developer APIs and webhooks
Provides REST APIs, client SDKs, and event webhooks to build custom embedded checkout flows in apps and marketplaces.
Inside MoonPay Commerce
Pay Links
A shareable payment link builder configured in minutes to accept crypto payments for products, digital content, e-commerce, or recurring subscriptions.
Pay with Card
A checkout tool allowing non-crypto customers to pay using traditional debit and credit cards while the merchant receives cryptocurrency.
APIs and SDKs
Developer toolkits and webhooks designed to embed custom on-chain checkout flows directly into marketplaces, applications, and decentralized exchanges.
MoonPay Commerce screenshots
User reviews
No user reviews yet. Have you used MoonPay Commerce? Share your experience below.
FAQ
What is MoonPay Commerce?
MoonPay Commerce is a cryptocurrency payment gateway that allows businesses to accept digital assets, pay links, and subscriptions, built on the acquired Helio infrastructure.
Which cryptocurrencies does MoonPay Commerce support?
The platform accepts major cryptocurrencies and stablecoins, including USDC, USDT, SOL, BTC, and ETH.
Can merchants settle payments in fiat currency?
Yes. Merchants can choose to settle directly in cryptocurrency or set up automatic conversion into fiat currencies such as USD, EUR, and GBP.
Can customers pay without holding cryptocurrency?
Yes. The Pay with Card feature allows buyers to check out using traditional payment cards while the merchant settles the transaction in crypto.
What are the processing fees for MoonPay Commerce?
MoonPay uses custom pricing for high-volume merchants.
Is MoonPay Commerce a self-hosted payment gateway?
No. MoonPay Commerce is a hosted cloud checkout solution accessed via APIs, SDKs, and payment links rather than a self-hosted deployment.
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