Ledger
PayWithMoon
PayWithMoonPayWithMoon
VisaVirtual onlySince 2020No KYCIssues reported
Before you continue. Readers report problems with this service — withdrawals, support or card delivery. Check current reports before you put money on it.
Bitcoin Lightning support. Pioneer of crypto-to-Visa virtual cards (~2020). Currently major issues.
Total, per $100 spent: $2.00per $100 spent
98 of the 174 priced cards cost less. Among the 17 that ask for exactly as much identity, the median is $5.37.
Open paywithmoon.comNot a paid link: we earn nothing either way.
Whether to take PayWithMoon
In its favour
- 0% top-up fee
- Bitcoin Lightning support (rare)
- Free first card issuance
- Low cost: $1.00 per $100 spent
Against it
- Mass card cancellations (late 2025)
- KYC now demanded for refunds
- Exit scam risk — multiple reports
- Trustpilot: 2.8/5 declining rapidly
What PayWithMoon costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $0.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 0% |
| To spend it | |
| To spend | 1% |
| Per payment, fixed | $1.00 |
| To spend outside the dollar | 0% |
| Total, per $100 spent | $2.00 |
Not published by the issuer: at a cash machine.
Read off paywithmoon.com on July 21, 2026.
0% top-up. 1% tx fee (min $1). Free first card, $2.99 additional. $4K/month limit.
KYC: what PayWithMoon asks for
An email address, and nothing else. No document, no face, no address — and a burner address costs nothing, which is why the ledger counts this as no identity check at all.
Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards
Limits on spending
Monthly spend$4,000
Per payment$1,000
Not published by the issuer: daily spend, maximum balance, cash, per day.
Confirmed on paywithmoon.com on July 21, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.
Where it works
WalletsNeither
Accepted whereOnline only
Account detailsNone — it is a card, not an account
Coins in3BTC, USDT, USDC
Chains3Bitcoin, Tron, Polygon
TiersMoon X, Moon 1X
Closed to residents of 13 countries, according to the issuer's own terms.
- Afghanistan
- Belarus
- Cuba
- Iran
- Myanmar
- North Korea
- Russia
- Somalia
- South Sudan
- Sudan
- Syria
- Venezuela
- Yemen
How we checked this
Thirteen fields are tracked for every service. 11 of them carry a figure we read off paywithmoon.com on July 21, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Issuance · Monthly · Spending limits · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- Terms
- Countries closed
- The issuer does not publish
- Cash machine charge · Maximum balance
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open paywithmoon.comNot a paid link: we earn nothing either way.
Alternatives to PayWithMoon
Costs $1.50 more per $100 — the price of the difference.
Blur CardsBlur CardsVisaVirtual onlyNo KYCOperational3.5% when you load. 1 fee field is not published.AG10 Sept$3.50per $100 spent
Blur CardsBlur CardsVisaVirtual onlyNo KYCOperational3.5% when you load. 1 fee field is not published.AG10 Sept$3.50per $100 spentCosts $1.00 more per $100 — the price of the difference.
CardtoshiCardtoshiMastercardVirtual onlyNo KYCOperational3% when you load.AG11 Sept$3.00per $100 spent
CardtoshiCardtoshiMastercardVirtual onlyNo KYCOperational3% when you load.AG11 Sept$3.00per $100 spentIts issuer publishes nothing to compare on price.
The Bitcoin CompanyThe Bitcoin CompanyVisaVirtual and plasticNo KYCOperationalPublishes 1 of five fee fields — not enough to price.AG7 Septnot published
The Bitcoin CompanyThe Bitcoin CompanyVisaVirtual and plasticNo KYCOperationalPublishes 1 of five fee fields — not enough to price.AG7 Septnot published