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MMoon / PayWithMoon Cards logo

Moon / PayWithMoon Cards

Updated: Jul 29, 2026

Moon Cards is a crypto asset virtual prepaid card product offered by Moon LLC. It currently includes the Moon X Card, which can be replenished with Moon Credit, and the Moon 1X Card, which has a one-time loaded balance. Users can purchase US dollar-denominated Visa virtual cards with BTC, USDT or USDC and use them at online merchants that accept prepaid cards. A basic account can be registered with an email address, while some merchants, refunds or high-risk transactions require enhanced identity verification.
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Confirmed unavailable on App Store
Card network
Visa
Product type
Stablecoin payment card
Card form
Virtual card
Operating status
Active
KYC level
Tiered KYC
Commercial relationship
No commercial relationship
Risk score
40-49
Supported assets
USDT / USDC / BTC / ETH
Last updated
Jul 29, 2026

Official and company information

Issuer identity and company credentials

Moon LLC is a US-operated fintech company responsible for the Moon website, accounts, Moon Credit, crypto asset collection, virtual card sales, and customer service. Moon is not a bank and does not list the specific issuing banks for the Moon X Card and Moon 1X Card on current public pages, only stating that cards are issued by partner financial institutions under Visa license. Moon Credit is an internal platform spending limit, not a checking, savings, or deposit account; actual card authorization and settlement also rely on unnamed financial institutions and payment service providers.
Visit website Application page
Company / issuer
Moon
Legal name
Moon LLC
Registered region
United States (US)
Headquarters
United States
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Moon uses a payment structure of "crypto asset purchase platform balance or prepaid card." Users first purchase Moon Credit via BTC on-chain transactions, Bitcoin Lightning, USDT on the TRON network, or USDC on the Polygon network, and then use the Moon X Card to share that balance; the Moon 1X Card determines the amount at the time of purchase and cannot be topped up again after issuance. The Moon X Card is valid for three years and can be used at eligible online merchants in over 130 countries and regions, suitable for multiple purchases and subscription payments. The Moon 1X Card is valid for two months, with a single card amount of 5 to 1,000 USD, mainly for US online merchants. Both cards currently do not support Apple Pay, Google Pay, physical card swiping, or ATM withdrawals. Moon Credit is not a bank deposit and is not protected by government deposit insurance; in the event of account anomalies, the platform may restrict balances, cards, or refund functions.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

Moon X reusable virtual card
Moon 1X one-time virtual card
Card formVirtual cardVirtual card
Fees
Monthly fee
Free
No monthly maintenance fee
Free
No monthly maintenance fee
Card issuance fee
2.99 USD + 1%
First card free; subsequent cards 2.99 USD. 1% spend fee, minimum 1 USD.
—
ATM fee——
Foreign exchange fee
Free
No foreign transaction fee
—
Top-up fee——
Failed transaction fee
0.5 USD
Charged when exceeding 20 transactions in 30 days
0.5 USD
Charged when exceeding 20 transactions in 30 days
Rewards
Cashback——
Crypto cashback——
Staking rewards——
Staking APR——
Welcome bonus——
Referral bonus——
Limits
Daily spending limit——
Monthly spending limit
4,000 USD
Combined across all Moon cards
4,000 USD
Combined across all Moon cards
ATM withdrawal limit
0 USD
Cash withdrawal prohibited
0 USD
Cash withdrawal prohibited
Card network
Drag horizontally to view other cards

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

168
AustraliaAUGhanaGHCambodiaKHIndonesiaIDBruneiBNOmanOMBangladeshBDColombiaCOGabonGABhutanBTMadagascarMGDenmarkDKUruguayUYEstoniaEEBurkina FasoBFSouth AfricaZADjiboutiDJPakistanPKTajikistanTJLesothoLSNew ZealandNZSaudi ArabiaSASwedenSEMontenegroMECroatiaHRCosta RicaCRFranceFRSwitzerlandCHNorwayNOIndiaINBoliviaBOTanzaniaTZEl SalvadorSVLatviaLVBarbadosBBHungaryHUVietnamVNThailandTHComorosKMPanamaPAPortugalPTSloveniaSIJordanJOLiechtensteinLIAngolaAOEgyptEGSurinameSRPhilippinesPHFinlandFIIrelandIECape VerdeCVSão Tomé & PríncipeSTGuatemalaGTBelgiumBELithuaniaLTTimor-LesteTLSt. LuciaLCTuvaluTVMaltaMTCanadaCADominicaDMNamibiaNARomaniaROQatarQANigerNESenegalSNCameroonCMMaldivesMVKyrgyzstanKGLuxembourgLUIsraelILSouth KoreaKRParaguayPYSri LankaLKBahrainBHSpainESUnited KingdomGBGermanyDEFijiFJEswatiniSZUgandaUGMacaoMOJapanJPMexicoMXNorth MacedoniaMKGuyanaGYLaosLAKuwaitKWNauruNRKenyaKEGrenadaGDSierra LeoneSLBahamasBSNigeriaNGMoldovaMDBotswanaBWNepalNPSt. Vincent & GrenadinesVCZambiaZMMarshall IslandsMHArgentinaARAzerbaijanAZEcuadorECTrinidad & TobagoTTItalyITSlovakiaSKSolomon IslandsSBPapua New GuineaPGUnited StatesUSGuineaGNAlgeriaDZChileCLMongoliaMNBrazilBRLiberiaLRBulgariaBGCzechiaCZPolandPLTürkiyeTRMicronesiaFMGeorgiaGETongaTOChadTDPalauPWVatican CityVAMalaysiaMYSt. Kitts & NevisKNKiribatiKICyprusCYEritreaERKazakhstanKZAntigua & BarbudaAGGreeceGRBelizeBZMonacoMCMauritiusMUHong KongHKMozambiqueMZMalawiMWSamoaWSCôte d’IvoireCIJamaicaJMAustriaATPeruPEBeninBJRwandaRWGambiaGMMoroccoMASan MarinoSMGuinea-BissauGWSeychellesSCBosnia & HerzegovinaBAEquatorial GuineaGQChinaCNArmeniaAMVanuatuVUAlbaniaALUzbekistanUZTunisiaTNMauritaniaMREthiopiaETNetherlandsNLHondurasHNTurkmenistanTMIcelandISSingaporeSGAndorraADTogoTG
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

20
IranIRSouth SudanSSMyanmar (Burma)MMLibyaLYSudanSDIraqIQMaliMLYemenYEZimbabweZWNorth KoreaKPSyriaSYBelarusBYCubaCUVenezuelaVEBurundiBIRussiaRUSomaliaSOLebanonLBCentral African RepublicCFAfghanistanAF
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆：居民不可注册并购买卡片，但部分商户和退款会触发增强身份验证；卡片仅支持线上 Visa 支付，不支持微信支付或支付宝绑卡。

2、香港：居民可注册并购买 Moon X 或 Moon 1X Card，可用于接受 Visa 预付卡的线上商户，但移动钱包和 ATM 功能均不支持。

3、澳门：居民可注册并购买卡片，可用于国际线上商户；部分商户会因境外卡、账单地址或预付卡风控拒绝交易。

4、台湾：居民可注册并购买卡片，可用于支持 Visa 预付卡的线上商户；高风险商户和退款可能要求完成增强身份验证。

Updated: Jul 29, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Tiered KYCRequirement confirmed

Proof of address

NoNot required

Accepted documents

Not applicable

Review time / regional limits

Basic accounts require no review; enhanced identity recheck can take up to five business days.

KYC provider

Not disclosed

Updated

Jul 29, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported6
Not supported6
UpdatedJul 29, 2026

Wallet payments

Alipay

Not supported

Jul 29, 2026

Wallet payments

Apple Pay

Not supported

Jul 29, 2026

Cash services

ATM withdrawal

Not supported

Jul 29, 2026

AI tools

ChatGPT

Supported

Jul 29, 2026

AI tools

Claude

Supported

Jul 29, 2026

Wallet payments

Google Pay

Not supported

Jul 29, 2026

AI tools

Midjourney

Supported

Jul 29, 2026

In-person payments

Offline POS

Not supported

Jul 29, 2026

Online shopping

Online shopping

Supported

Jul 29, 2026

Wallet payments

PayPal

Supported

Jul 29, 2026

Subscriptions

Subscription payment

Supported

Jul 29, 2026

Wallet payments

WeChat Pay

Not supported

Jul 29, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Shahrouztrustpilot★ 1 / 5

PayWithMoon locked my $60 for months – forced verification and no refund!

PayWithMoon locked my $60 for months – forced verification and no refund! Review text: I have been trying to withdraw my $60 Moon Credit balance for several months now, but the withdrawal option remains inactive. When I try to request a BTC refund, it takes me to the “Verify account” page. I followed the instructions, submitted my government ID, and the status changed to “In review”. Since then, there has been zero progress and no response from support. I have contacted support multiple times with no useful reply. This service used to work without heavy KYC, but now they are holding my small balance hostage and forcing full verification just to get my own money back. This experience is extremely frustrating and unacceptable for such a small amount. Poor communication and very slow (or non-existent) refund process. I do not recommend this service. Be careful — your funds can easily get stuck for months.
View original
Carl Brakertrustpilot★ 1 / 5

This site is a scamming site.

This site is a scamming site. Once you deposite your funds, you can be sure 100% that you can't get your funds back. I asked them to send my funds to the address which I deposited it from, but they refused it and continues to ask me to pass ID verification that has never been asked when depositing funds. This is totally a scamming site and even on Trustpilot, their response are all the same. "We understand this situation is frustrating. Once the required account verification is completed, refunds are processed in accordance with our policies." Please don't use this platform. It's 100% scam
View original
Kamal Farahanitrustpilot★ 1 / 5

Scam they steal your money based on…

Scam they steal your money based on fake reasons this is their business plan
View original
htet myat aungtrustpilot★ 5 / 5

You are froin

Hello yes my friend is Myanmar
View original
Emmanuel Jonahtrustpilot★ 1 / 5

this company is very wicked

this company is very wicked , too my money since 2 years now , no means to refund me
Official reply
Hi Emmanuel, we've requested account details through Trustpilot so we can identify your account and resolve your issue. Can you please reply to the information request in Trustpilot?
View original
The Altstrustpilot★ 1 / 5

Scam, no refund and trash customer service

I sent like 20$ to use my card and it's been stuck on pending for a whole day!
Official reply
Hi, we've requested account details through Trustpilot so we can identify your account and resolve your issue. Can you please reply to the information request in Trustpilot?
View original
Jeanne Donnellytrustpilot★ 1 / 5

Use Quick VIP ... #Reliable #Best

This platform is extremely frustrating to deal with. Pay With Moon feels unreliable, especially when it comes to handling funds and resolving account issues. Even after following all required procedures and completing verification, problems were not properly addressed. Support responses are vague, and updates are either delayed or отсутств clear resolution. Instead of providing proper assistance, communication feels unresponsive and dismissive, leaving the situation unresolved for far too long.
Official reply
Hi Jeanna, we've requested account details through Trustpilot so we can identify your account and resolve your issue. Can you please reply to the information request in Trustpilot?
View original
John Kenntrustpilot★ 1 / 5

It is a scammer company

I've been suspended by this company, they have frozen my assets and their customer support is not responding clearly. They send you links very late and then they claim that it has been expired because of their own delay. It's been 5-6 month since they restricted my access and not answering my emails. I've used it for couple of months, it was doing good, but you can expect them to freeze you anytime they wish without any clear reason.
Official reply
Hi John, we've requested account details through Trustpilot so we can identify your account and resolve your issue. Can you please reply to the information request in Trustpilot?
View original
Adrea De luAtrustpilot★ 1 / 5

Your account has been restricted as follows: you cannot create a card, you cannot purchase Moon Credit and you cannot request off platform refunds.

This platform is terrible. I had legitimate funds from my wallet in my account, and I didn’t do anything against their policies as described on the website, but my funds are frozen. I went through KYC verification TWICE! But they say they’re working on it and are just ignoring me!
View original
Ilia Ztrustpilot★ 1 / 5

Account suspended with no clear explanation — $100 withheld

I used PayWithMoon, but my account was suspended. Support told me: “This account was suspended for violating Moon’s terms, including around merchant abuse. This decision is final.” They refuse to explain what I allegedly did wrong. No specific Terms section, no transaction IDs, no merchant names, no dates - just a vague “merchant abuse” statement. The response I received was basically “final decision,” with no transparent dispute/appeal process and no clear refund procedure.
View original

Risk factors

Updated: Jul 14, 2026

No risk factors are available