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Pricing Disclosure

1. Crypto-Asset Prices

MoonPay obtains the base price of a crypto asset that is not a stablecoin by fetching a price from reputable, independent third parties every 10 seconds. The base price for all stablecoins offered by MoonPay Europe is USD $1, as MoonPay Europe offers only stablecoins pegged to the US dollar.

For all transactions, the asset price shown to you during your order is equal to the base price including any applicable spread. The asset price shown to you during your order is the price you will pay to purchase a crypto asset from us or the price you will receive for selling a crypto asset to us.

For Off-Ramp and Swap Transactions, the payout amount shown to you during your order is a quote for the estimated value of sale. The final price will be fixed when MoonPay Europe receives the crypto asset you are selling or swapping.

2. Fees

There are three types of fees MoonPay Europe may charge when processing your transaction: a network fee; a MoonPay fee; and an ecosystem fee.

A. Network Fee

The network fee covers the costs associated with the transfer of a Crypto-Asset and may vary depending on a number of factors, such as network congestion and operational costs. We will only charge you a network fee for On-Ramp and Swap Transactions. The amount of the network fee will be shown to you as a line item fee and will be identified as the “Network fee”.

B. MoonPay Fee

The MoonPay fee covers a number of costs including payment processing costs, chargeback costs, order costs, and other transaction-related expenses. We will only charge you a MoonPay fee for On-Ramp and Off-Ramp Transactions. The MoonPay fee may vary based on your order type, location, and payment method. If you access the MoonPay platform directly through the MoonPay website or mobile application, the MoonPay fees set out below will apply. 

A minimum MoonPay fee of €3.99 will be applied if your transaction amount is below a minimum threshold. If you access the MoonPay platform directly, the MoonPay fee will be in an amount between 0% and 5%. If you are buying or selling a crypto asset in a currency other than USD, GBP, or EUR, MoonPay Europe will increase the minimum MoonPay Fee in an amount between 0.25% and 10%, depending  on the fiat currency  you choose to pay in.

If you were referred to the MoonPay platform by a partner, your MoonPay fee will be in an amount up to 4.5%, subject to a minimum MoonPay fee that will never be more than €/£/$4.50. 

Regardless of how you accessed the MoonPay platform, the MoonPay fee will be shown to you as a line item fee when you first place your order and when you confirm your order.

C. Ecosystem Fees

The  ecosystem fee is a percentage charge that is applied to a transaction amount by MoonPay Europe on behalf of some, but not all, of our partners. This ecosystem fee  is set by each partner and may not exceed 10% but is typically between 0% and 2%.

The ecosystem fee is a  line item disclosure that is shown to you when you confirm your order. The amount of the ecosystem fee will be shown to you as a line item fee and will be identified as the “ecosystem fee”.

3. Spreads

MoonPay Europe may include a spread in the asset price shown to you during your transaction. This is included to cover the volatility of a crypto asset, increase the likelihood of a successful transaction, and other costs of operating not covered in other fees and is how we ensure we can continue to provide you with a great service that is easy to use. 

All spreads are included in the price of the crypto asset shown to you during your checkout flow. The asset price shown to you during your order is the price you will pay to purchase a crypto asset from us or the price you will receive for selling a crypto asset to us.

It's important to note that your bank or card provider may have their own fees for transactions. Your bank may have a charge for inbound bank transfers or may charge you a fee for international card transactions. Please check with your bank if you are unsure before placing your order.

5. Costs

MoonPay Europe incurs a number of costs when  processing your On-Ramp, Off-Ramp and Swap Transactions including:

  • Network/withdrawal costs - blockchain gas fees incurred in buying, sending, transferring, or sweeping crypto-asset;
  • Acquirer foreign exchange costs - charges from payment service providers that frequently arise when converting customer funds into the operative settlement currency;
  • Third-party payment costs - costs from acquirers and banks that are charged to MoonPay Europe to provide services related to collection and distribution of customer payments;
  • Affiliate fees - costs paid to partners as affiliate fees;  
  • Order completion costs - costs paid to a liquidity provider arising from  the purchase or sale of crypto-asset
  • Incomplete Transactions costs - processing and withdrawal costs incurred in some non-completed transactions;
  • Chargeback costs - fraud-related refunds and processing costs; and
  • Sweeping costs - processing costs incurred in collecting customer deposits and balancing crypto-assets between internal wallets. 

In addition to the costs identified above, we also incur a number of transaction-related expenses necessary to make sure you receive a seamless experience for buying, selling or swapping your crypto, including costs related to satisfying KYC obligations, fraud prevention, blockchain analysis, our technological crypto infrastructure, and transaction monitoring.

6. Order Finality

Your On-Ramp order will be final when we receive payment from you, subject to satisfaction of all AML checks. Your Off-Ramp or Swaps order will be final when we receive the crypto asset being sold or swapped in the MoonPay wallet address we provide to you, subject to satisfaction of all AML checks.