Bank statement charge
What is a MoonPay charge on my bank statement?
Who charged you
MoonPay sells crypto inside wallet apps and on its own app
MoonPay is a payments company that sells cryptocurrency inside wallet apps such as Phantom, and on its own website and app. The charge is usually crypto bought through a Buy button in a wallet, or a pending card check whose statement line carries a 4-digit code.
How it can show on a statement
MoonPayMoonPay [4-digit code]
Find out what it was
- 1
Search your inbox and spam folder for MoonPay: every order sends a confirmation email with a link to track the order.
- 2
Read the digits after MoonPay on the line: a 4-digit code there is a card check, which MoonPay asks you to type in to verify the card.
- 3
Open the wallet apps on your devices, such as Phantom, and look at their activity for a purchase on that date.
- 4
Compare the amount with crypto you or someone else bought: the card is charged the total including MoonPay's fees, so it is higher than the crypto's price.
- 5
Check the dates a few days around the line: MoonPay can execute an order and take the payment later than the moment it was placed.
- 6
Still a charge you did not agree to? File your complaint here. We write it with you and send it to MoonPay, so you do not have to chase it yourself.
Not in any of your accounts? If nobody in your household made it, someone else may have used your card details. Your card issuer can stop the card, so the charges do not continue.
Why does it say “MoonPay”?
Many crypto wallets do not sell crypto themselves. When you tap Buy in a wallet that shows the Powered by MoonPay logo, the purchase is made with MoonPay, which takes the payment from your card or bank and sends the crypto to the wallet. So your bank shows MoonPay, not the wallet or app you were using.
Who you deal with depends on where you live: MoonPay USA LLC in the US, MoonPay (UK) Limited in the UK, and MoonPay Jersey Ltd under its rest-of-world terms. MoonPay USA LLC is also registered in Canada, and MoonPay AUS Pty Ltd is registered in Australia. When MoonPay needs to check that a card is yours, it places a small pending charge whose statement line carries a 4-digit code, such as MoonPay 1234.
Why you might see this charge
- Crypto bought through a Buy or Add cash button in a wallet app such as Phantom, when MoonPay was the provider picked at checkout.
- A purchase on MoonPay's own website or app, paid by card, Apple Pay or bank transfer.
- A pending card check with a 4-digit code in the statement line, placed when MoonPay verifies that the card is yours.
- A failed card order: MoonPay cancels the hold on the card at once, but the bank can take several days to remove it from the statement.
- Someone in your household who bought crypto in their own wallet app with your card.
Is MoonPay legit?
Yes. MoonPay is a real, registered payments company: MoonPay USA LLC is registered as a money services business and licensed as a money transmitter in US states, and MoonPay (UK) Limited is registered in the UK as a cryptoasset business. A MoonPay line normally means crypto was bought with the card, often inside another app.
MoonPay's terms say an order cannot be cancelled or changed once it is submitted, and crypto that has been sent to a wallet cannot be recalled. Emails that copy MoonPay's name and ask you to sign in through a link are a separate risk; check your own wallet and inbox instead.
Other charges people look up
| On your statement | Who charged you | What it usually is |
|---|---|---|
| PAYRANGE MOBILE | PayRange | PAYRANGE MOBILE is PayRange, the mobile app that pays laundry machines, vending machines and other coin machines over… |
| COMENITY PAY OH WEB PYMT | Comenity | COMENITY PAY OH WEB PYMT is a payment to a store credit card issued by Comenity, Bread Financial's bank. |
| GFM INTERNATIONAL SERV | GoFundMe | GFM INTERNATIONAL SERV is GoFundMe, the online fundraising platform, taking payment through its UK company. |
| SQ * | Square | SQ * or GOSQ.COM means you paid a business that takes cards with Square, the card reader and checkout company. |
| ACTBLUE* | ActBlue | ACTBLUE* is ActBlue, the nonprofit fundraising platform that Democratic candidates, progressive groups and some… |
| AWX* | Airwallex | AWX* means you paid a business that takes card payments through Airwallex, a payments company. |
| NAYAX VENDING | Nayax | NAYAX VENDING means you paid at an unattended machine that takes cards through a Nayax reader. |
| crownbill.com | Crownbill | crownbill.com is Crownbill, a billing platform run by Tecom Ltd in Cyprus that takes payments for subscription… |
Questions about MoonPay
What is MoonPay on my bank statement?
It is a crypto purchase made through MoonPay, often inside a wallet app such as Phantom that uses MoonPay for its Buy button. A line with MoonPay and a 4-digit code is a card check instead.
Is MoonPay legit?
Yes. MoonPay is a registered payments company in the US and the UK and sells crypto through many wallet apps. The real question is usually who placed the order with your card.
What is the 4-digit MoonPay code on my statement?
It is part of a pending charge MoonPay places to check that the card is yours. MoonPay asks for the 4 digits to finish verifying the card.
Why is there a MoonPay charge from Phantom?
Phantom offers several payment providers for buying crypto, and MoonPay is one of them. When MoonPay handled the card purchase at checkout, the statement shows MoonPay, not Phantom.
What if I did not agree to a MoonPay charge?
File a complaint on Complain.biz. We write it with you and send it to MoonPay, so you do not have to chase it yourself.
Based on
- Verification troubleshooting: the 4-digit code, 'MoonPay 1234' (MoonPay Help Center)
- Verifying your cards (MoonPay Help Center)
- Troubleshooting transaction issues: failed orders and refunds (MoonPay Help Center)
- How do I buy cryptocurrency with MoonPay? (MoonPay Help Center)
- Licenses and registrations: MoonPay USA LLC, MoonPay (UK) Limited, MoonPay AUS Pty Ltd, MoonPay Jersey Ltd (MoonPay)
- MoonPay USA Terms of Use (MoonPay USA LLC)
- MoonPay (UK) Limited Terms of Use
- MoonPay Terms of Use, rest of world (MoonPay Jersey Ltd)
- How to buy tokens in Phantom: payment providers such as MoonPay (Phantom Help Center)