moonpay

MoonPay fiat-to-crypto on-ramp integration. Buy and sell crypto with credit cards, bank transfers, and mobile payments.

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MoonPay 🌙

Leading fiat-to-crypto on-ramp. Buy crypto with cards, bank transfers, and mobile payments in 160+ countries.

Environment Variables

Variable	Description	Required
`MOONPAY_API_KEY`	Publishable API Key	Yes
`MOONPAY_SECRET_KEY`	Secret Key for signing	Yes
`MOONPAY_ENV`	`sandbox` or `production`	No

Features

💳 Card Payments - Visa, Mastercard, Apple Pay, Google Pay
🏦 Bank Transfers - SEPA, ACH, Faster Payments
📱 Mobile Payments - PIX, GCash, GrabPay
🔄 Off-Ramp - Sell crypto to fiat
🎨 NFT Checkout - Fiat-to-NFT purchases

API Base URLs

Sandbox: https://api.moonpay.com (use test API key)
Production: https://api.moonpay.com

Get Supported Currencies

API_KEY="${MOONPAY_API_KEY}"

# Get crypto currencies
curl -s "https://api.moonpay.com/v3/currencies" \
  -H "Authorization: Api-Key ${API_KEY}" | jq '.[] | select(.type == "crypto") | {code: .code, name: .name, minBuyAmount: .minBuyAmount}'

# Get fiat currencies
curl -s "https://api.moonpay.com/v3/currencies" \
  -H "Authorization: Api-Key ${API_KEY}" | jq '.[] | select(.type == "fiat") | {code: .code, name: .name}'

Get Quote

API_KEY="${MOONPAY_API_KEY}"
BASE_CURRENCY="usd"
QUOTE_CURRENCY="eth"
BASE_AMOUNT="100"

curl -s "https://api.moonpay.com/v3/currencies/${QUOTE_CURRENCY}/buy_quote" \
  -G \
  --data-urlencode "apiKey=${API_KEY}" \
  --data-urlencode "baseCurrencyCode=${BASE_CURRENCY}" \
  --data-urlencode "baseCurrencyAmount=${BASE_AMOUNT}" | jq '{
    quoteCurrencyAmount: .quoteCurrencyAmount,
    feeAmount: .feeAmount,
    networkFeeAmount: .networkFeeAmount,
    totalAmount: .totalAmount,
    extraFeeAmount: .extraFeeAmount
  }'

Generate Widget URL

API_KEY="${MOONPAY_API_KEY}"
SECRET_KEY="${MOONPAY_SECRET_KEY}"

# Build widget URL
BASE_URL="https://buy.moonpay.com"
PARAMS="?apiKey=${API_KEY}&currencyCode=eth&walletAddress=<WALLET>&baseCurrencyAmount=100"

# Sign URL (required for production)
SIGNATURE=$(echo -n "${PARAMS}" | openssl dgst -sha256 -hmac "${SECRET_KEY}" -binary | base64 | tr '+/' '-_' | tr -d '=')

WIDGET_URL="${BASE_URL}${PARAMS}&signature=${SIGNATURE}"
echo "Widget URL: $WIDGET_URL"

Create Transaction (Server-Side)

API_KEY="${MOONPAY_API_KEY}"
SECRET_KEY="${MOONPAY_SECRET_KEY}"

curl -s -X POST "https://api.moonpay.com/v3/transactions" \
  -H "Authorization: Api-Key ${API_KEY}" \
  -H "Content-Type: application/json" \
  -d '{
    "baseCurrencyCode": "usd",
    "baseCurrencyAmount": 100,
    "quoteCurrencyCode": "eth",
    "walletAddress": "<WALLET_ADDRESS>",
    "returnUrl": "https://your-app.com/success",
    "externalCustomerId": "customer-123"
  }' | jq '.'

Check Transaction Status

API_KEY="${MOONPAY_API_KEY}"
TX_ID="<TRANSACTION_ID>"

curl -s "https://api.moonpay.com/v3/transactions/${TX_ID}" \
  -H "Authorization: Api-Key ${API_KEY}" | jq '{
    status: .status,
    cryptoTransactionId: .cryptoTransactionId,
    quoteCurrencyAmount: .quoteCurrencyAmount,
    walletAddress: .walletAddress
  }'

Transaction Status Codes

Status	Description
`waitingPayment`	Awaiting payment
`pending`	Payment received, processing
`waitingAuthorization`	Awaiting 3DS/bank auth
`completed`	Successfully completed
`failed`	Transaction failed

Supported Payment Methods

Method	Regions	Speed
Credit/Debit Card	Global	Instant
Apple Pay	Global	Instant
Google Pay	Global	Instant
SEPA	Europe	1-2 days
ACH	USA	3-5 days
Faster Payments	UK	Instant
PIX	Brazil	Instant
iDEAL	Netherlands	Instant

Supported Cryptocurrencies

Category	Tokens
Major	BTC, ETH, SOL, MATIC, AVAX
Stablecoins	USDT, USDC, DAI
L2	ARB, OP, BASE tokens
Meme	DOGE, SHIB

Webhook Events

# Webhook payload structure
{
  "type": "transaction_updated",
  "data": {
    "id": "tx-123",
    "status": "completed",
    "cryptoTransactionId": "0x...",
    "quoteCurrencyAmount": 0.05,
    "walletAddress": "0x..."
  }
}

Verify Webhook Signature

verify_webhook() {
  local payload="$1"
  local signature="$2"
  
  local expected=$(echo -n "$payload" | openssl dgst -sha256 -hmac "$MOONPAY_SECRET_KEY" -binary | base64)
  
  [[ "$signature" == "$expected" ]]
}

Widget Customization

# Widget parameters
PARAMS="?apiKey=${API_KEY}"
PARAMS+="&currencyCode=eth"
PARAMS+="&walletAddress=<WALLET>"
PARAMS+="&baseCurrencyAmount=100"
PARAMS+="&baseCurrencyCode=usd"
PARAMS+="&lockAmount=true"           # Lock amount
PARAMS+="&colorCode=%23FF6B00"       # Custom color
PARAMS+="&language=en"               # Language
PARAMS+="&showWalletAddressForm=false"  # Hide wallet input

Safety Rules

ALWAYS sign widget URLs in production
NEVER expose secret key client-side
VERIFY webhook signatures
CHECK transaction status before fulfilling

Error Codes

Code	Description
`invalid_api_key`	Invalid API key
`invalid_signature`	URL signature mismatch
`currency_not_supported`	Currency unavailable
`amount_too_low`	Below minimum
`amount_too_high`	Above maximum