MoonPay vs Mercuryo: Choosing the Right Fiat-to-Crypto Gateway

Market leader with 15M+ users and integrations in 160+ countries. This matters for consumer-facing dApps and NFT platforms requiring maximum user reach and trust. Their direct partnerships with major payment networks (Visa, Mastercard, Apple Pay) ensure high authorization rates and a familiar checkout experience.

Licensed or registered in over 45 jurisdictions, including key US states like New York (BitLicense). This matters for protocols operating in regulated markets (DeFi, institutional services) where legal due diligence is paramount. Their dedicated compliance API simplifies KYC/AML integration for high-volume applications.

Competitive, transparent fee structure often undercutting larger players, with volume-based discounts. This matters for wallet apps and exchanges processing high transaction volumes where fee optimization directly impacts unit economics and user retention. Supports fiat-to-crypto in 200+ countries.

Lightweight SDKs and a single API for both fiat on/off-ramps. This matters for engineering teams building multi-chain products (EVM, Solana, TON) who need a unified, fast-to-integrate solution without complex vendor management. Offers direct bank transfer options (SEPA, Faster Payments) key for European markets.

Deep, native integrations with top wallets (MetaMask, Phantom, Ledger Live) and NFT marketplaces (OpenSea, Magic Eden). This matters for projects where seamless, in-wallet purchasing is critical to conversion. Their 'NFT Checkout' widget is a turnkey solution for minting platforms.

Faster integration cycle with streamlined documentation and responsive support. This matters for startups and agile teams launching MVPs. Faster fiat payout speeds (as quick as 1-2 business days) for merchant settlements, crucial for businesses managing cash flow from crypto sales.

Specific advantage: Supports 150+ countries and 80+ fiat currencies, with deep integrations into major wallets like MetaMask and Phantom. This matters for consumer-facing dApps requiring maximum accessibility and trust from a recognized name in the space.

Specific advantage: Typically offers lower transaction fees (often 1-2%) compared to MoonPay's standard rates. This matters for high-volume platforms or cost-sensitive users where minimizing the on-ramp premium is a primary competitive advantage.

Dominant market position: Processes billions in volume annually with integrations in major wallets like Trust Wallet and Phantom. This matters for consumer-facing dApps where user trust and familiarity are critical for conversion. Their extensive compliance infrastructure supports operations in 160+ countries.

Premium pricing: Transaction fees are typically higher than many competitors, often ranging from 1-4% plus network fees. This matters for high-frequency traders or cost-sensitive DeFi protocols where margins are thin. The cost reflects their extensive compliance, marketing, and support overhead.

Aggressive fee model: Often offers lower transaction fees (starting from ~1%) and favorable rates for direct crypto purchases. This matters for crypto-native platforms and exchanges looking to minimize user acquisition cost. Strong focus on B2B2C API solutions for seamless Web3 integration.

Regional restrictions: While growing, licensed coverage is not as extensive as the largest players, with notable gaps in some key US states and jurisdictions. This matters for globally scaling applications that require uniform service availability. Users in unsupported regions face blocked transactions.