Transak Vs MoonPay: Which Crypto Payments Gateway Is Best for Your DApp?

Crypto Daily™ · 2024-06-05T11:33:06.000Z

New-age Web3 developers grasp the importance of integrating a fiat gateway within their dApps. By enabling users to purchase the crypto they need to interact with Web3, developers can dramatically simplify the onboarding process for new entrants. The benefit of providing an easy (tightly integrated) way to buy and sell crypto is that users won’t have to go through the hassle of visiting another website or service to get the digital assets required to use a dApp. Imagine someone downloads a new Web3 game and wants to buy in-game currency for weapon upgrades. If they have to find a separate cryptocurrency exchange to buy tokens, they might give up and never play the game again. But if they can buy the tokens directly within the game in just a few clicks, they’re more likely to stay engaged. Hence, the popularity of crypto on-ramps has surged in the past few years. If Web3 is to achieve mainstream adoption, UX is a crucial piece of the puzzle — and on-ramps are right there, at the doorway of Web3 onboarding UX innovation! The most popular crypto on-ramps right now, as per SimilarWeb data, are Transak and MoonPay, offering comprehensive solutions for onboarding new users to Web3, with an ocean of payment options and supported cryptocurrencies. What Is Transak? Transak is a 360-degree Web3 payments infrastructure provider that made its debut in the industry with a highly functional crypto on-ramp and off-ramp platform. The platform that makes it simple for users to buy and sell crypto within its native widget or from the hundreds of dApps that directly integrate its on/off-ramps. It supports crypto purchases on popular wallets such as MetaMask, Trust Wallet and Exodus, and integrates with some of the best known DeFi dApps, including Aave. Notably, Transak offers support for an extensive range of fiat payment methods, including bank transfers, credit and debit cards,various digital wallets, and over 20 localized solutions like PIX, UPI, and SPEI. It is available in more than 160 countries, supports over 170 cryptocurrencies, and is compatible with most major blockchains (more than 75 networks), while offering competitive fees. What Is MoonPay? Like Transak, MoonPay is a platform that’s designed to simplify the process of buying and selling crypto, and it has already been integrated into hundreds of well known dApps. MoonPay enables users to buy a wide range of cryptocurrencies, including Bitcoin, Ethereum, Solana, Cardano, USDCoin, USD Tether and many more, with support for over 75 in total. What’s more, it can enable purchases in more than 30 fiat currencies, across 160+ countries globally. Supported payment methods are comprehensive, with options including bank transfers, bank wires, credit and debit cards, Apple Pay and Google Pay among the most commonly used. Which Crypto On-Ramp Is Best? At first glance, Transak and MoonPay might seem similar, so why should a developer care about which one to choose? The truth is, the differences between the two platforms are nuanced yet significant for the businesses integrating them; from their functionalities to the range of fiat currencies they support. Developers need to consider the target audience: where users are located, and what payment methods and currencies users would prefer. By evaluating these factors, developers can hone in on the platform that best meets their business goals. Let's explore the key distinctions between Transak and MoonPay to help developers make an informed decision. Supported Cryptocurrencies One of the most important considerations is the actual cryptocurrencies that can be bought using a crypto gateway, as there’s little point in integrating it in a dApp if it doesn’t allow users to purchase the tokens they need. As two of the leading crypto on-ramps, both Transak and MoonPay offer a wide selection of supported cryptocurrencies, but from an examination of each service’s product documentation, it’s clear that the former has the edge in this department. Transak’s main website offers a list of 173 supported cryptocurrencies at the time of writing, and it’s a pretty comprehensive one that features all of the major tokens and more than a few obscure ones. MoonPay doesn’t actually provide a straightforward list of supported digital assets on its main website, but we took the time to delve into its documents and counted a total of 123 supported tokens, at the time of writing. For sure, these numbers will change as both services continue to add, and perhaps also delist tokens, but at present it’s a clear advantage to Transak. Supported Fiat Currencies Developers must also consider the kinds of fiat each platform supports, because it’s no good choosing a platform that doesn’t support local currency if your target audience is a specific demographic. Once again, Transak comes out on top with support for a hefty 76 different fiat currencies, compared to MoonPay’s 34 fiat options at the time of writing. On-Ramp Payment Methods Naturally, users will want a wide selection of fiat payment methods they can choose from to purchase their crypto. Both platforms support the usual suspects, such as credit card payments and debit cards (including MasterCard, Visa, and Maestro) as well as popular digital wallet services such as Google Pay, Apple Pay, plus SEPA and SEPA Instant. MoonPay stands alone in supporting PayPal, which will be relevant to some users, but in terms of its wider selection it leaves a fair bit to be desired. All told, MoonPay currently accepts just eight different on-ramp payment methods, compared to the 17 that are available on Transak. Off-Ramp Payment Methods Users want to be able to buy and also sell their crypto in the event they happen to make a profit from trading or playing NFT games. The list of payout methods is more restrictive on both platforms, but MoonPay has the edge here, with five supported payout methods, including debit cards, ACH payments, SEPA & SEPA Instant, UK Faster Payments and PayPal. Transak lists seven payout options but distinguishes debit cards based on the chosen currency. If we count all of the supported debit cards as one, Transak offers three options for payouts, including SEPA & SEPA Instant, and Faster Bank Transfer. That said, Transak claims an advantage in that all of its payouts are deposited with user’s accounts instantly, whereas MoonPay only supports instant payouts for PayPal and SEPA Instant, with other methods taking 1-3 days to process. Supported Regions Another area where Transak appears to have the edge is in the number of supported countries. Its website lists 169 territories where it can cater to fiat-to-crypto and crypto-to-fiat swaps, whereas MoonPay’s coverage seems to extend to 158 countries, based on its list of unsupported nations. Product Diversity One area where MoonPay sets itself apart from Transak is in its list of features, for it is far more than just a crypto on- and off-ramp, offering an NFT Checkout, Web3 Passport and HyperMint platform for minting non-fungible tokens. Transak also offers an NFT Checkout and an innovative product called Transak One, which streamlines and condenses complex fiat-to-smart contract interactions, so users can stake, bridge liquidity and engage in various DeFi transactions using fiat, without having to perform an exchange first. KYC Processes The KYC process has never been much of a favorite for crypto enthusiasts but it’s an important part of the onboarding process nevertheless, because traditional financial institutions are subject to strict regulations over who they can and cannot do business with. Transak attempts to streamline this process as much as possible with its multi-level KYC solution. For those just getting started, all that’s required is to provide a name and billing address to pass level one and be authorized for small transactions, which is ideal for, say, blockchain games. Level two involves a bit more, with the user required to submit proof of their identity and address and pass a liveness test, enabling them to perform transactions of up to $20,000. Level 3 KYC is required for users who want no limitations on their account whatsoever, and involves more detailed checks. MoonPay has a similar setup, dividing its KYC process into four main categories, including an identity check, proof of address, a selfie and finally, a “source of wealth” verification, which requires users to submit documents that prove their income. Unlike Transak, MoonPay’s system is incremental, so rather than being able to pass all of the checks in one go, users will be asked to provide additional documentation once they reach each transaction limit. dApp Integration A key consideration for developers will be the ease of integrating any crypto gateway, and thankfully Transak and MoonPay both provide comprehensive APIs to ease this process. Transak’s integration options include an instant checkout SDK, React Native via the Transak React Native SDK, Reach Native via Webview, plus Android, iOS and White Label APIs, and even a simple redirect link for developers that struggle to implement the above options. Meanwhile, MoonPay provides a total of six SDKs, including Web, React and Node.js SDKs for web-based applications, and iOS, Android and React Native for mobile applications. While it strongly advises developers to integrate with an SDK, it understands that some technology stacks are incompatible with the above options, which is why it also offers a simple URL-based integration that redirects users to a MoonPay widget within the dApp. Transaction Fees The transaction fees associated with each platform vary considerably based on the payment method used, the fiat currency and user location, but Transak appears to have a slight advantage. Its fees range from 0.99% to more than 5%, which compares somewhat favorably with those of MoonPay. That said, Transak also appears to have higher minimums in terms of withdrawals to fiat. MoonPay is somewhat pricey in that it charges 4.5% on every transaction, or a minimum of $5. As such, while MoonPay does allow smaller withdrawals, transacting such small amounts can be quite expensive. Affiliate Programs Transak and MoonPay both offer affiliate programs that give developers an opportunity to refer other Web3 builders to their services and earn rewards on every transaction those referrals make. With MoonPay, developers can earn a flexible affiliate fee of between 0.5% and 1.25% on every transaction, with users able to adjust this by themselves. MoonPay says it’s willing to work closely with its affiliates to find the most optimal equilibrium in order to maximize conversions. Users will be able to withdraw their affiliate commissions once they have accumulated at least $1,000 or the equivalent in their local currency, with payout methods including BTC, USDC and USDT. Transak is less transparent about its referrals, but offers a fixed commission on each successful transaction, in addition to in-depth training and support for affiliates. It also gives affiliates the opportunity to offer discounted pricing for certain tokens. User Reviews The majority of users claimed to be satisfied with Transak, citing its simplicity, ease of use and rapid transaction speeds. That said, there are reports of some users complaining about delayed transactions, as well as difficulties in sending and receiving ETH. Overall, Transak has earned 4.2 stars on Trustpilot from over 22,000 reviews, with positive experiences vastly outweighing the negative ones. As for MoonPay, it has racked up more than 86,000 reviews on Trustpilot, earning a score of 4.1 stars. Once again, the majority of users expressed satisfaction with the service, commenting on how easy it is to use. There were a few reports of some users being confused about its features and its laborious KYC process, but overall a clear majority are happy with the platform. Comparison Summary Criteria Transak MoonPay Winner Supported Cryptocurrencies 173 123 Transak Supported Fiat Currencies 76 34 Transak On-Ramp Methods 17 8 Transak Off-Ramp Methods 3 5 MoonPay Supported Regions 169 158 Transak Product Diversity 3 5 MoonPay KYC Processes Flexible Incremental Transak Transaction Fees Starts at 0.99% 4.5% Transak Affiliate Program Less transparent 0.5% to 1.25% MoonPay User Reviews on Trustpilot 4.2/5 4.1/5 Transak *Numbers accurate as of June 2024 Conclusion Weighing Transak and MoonPay against one another reveals unique strengths and weaknesses for each platform, making it challenging to determine a clear winner. However, Transak distinguishes itself with its unique benefits that suit a broader audience of users, developers, and businesses. Transak's adaptability and user-focused approach enable it to address diverse needs, providing a more flexible solution. For developers, the choice depends on factors such as supported payment methods, token availability, and transaction costs. Transak delivers competitive fees and robust assistance, positioning itself as a strong competitor in these areas. Upon careful examination of both platforms, it becomes evident that Transak presents a universally applicable solution, particularly suitable for individuals seeking extensive accessibility and adaptability for their dApp. Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.

新時代的 Web3 開發人員瞭解在其 dApp 中集成法定網關的重要性。通過允許用戶購買與 Web3 交互所需的加密貨幣，開發人員可以大大簡化新進入者的入職流程。
提供一種簡單（緊密集成）的加密貨幣買賣方式的好處是，用戶不必費力訪問其他網站或服務來獲取使用 dApp 所需的數字資產。
想象一下，有人下載了一款新的 Web3 遊戲，並想購買遊戲幣來升級武器。如果他們必須找到單獨的加密貨幣交易所來購買代幣，他們可能會放棄並且再也不會玩這款遊戲。但如果他們只需點擊幾下鼠標就能直接在遊戲中購買代幣，他們就更有可能保持參與度。
因此，加密入口的受歡迎程度在過去幾年中飆升。如果 Web3 要獲得主流採用，用戶體驗是其中至關重要的一環——而入口就在那裏，位於 Web3 入門用戶體驗創新的門口！
根據 SimilarWeb 的數據，目前最受歡迎的加密貨幣入口是 Transak 和 MoonPay，它們爲新用戶加入 Web3 提供全面的解決方案，提供大量支付選項和支持的加密貨幣。
 
什麼是跨薩克？
Transak 是一家 360 度 Web3 支付基礎設施提供商，憑藉功能強大的加密貨幣入口和出口平臺在行業中首次亮相。該平臺讓用戶可以輕鬆地在其原生小部件內或從直接集成其入口/出口的數百個 dApp 中購買和出售加密貨幣。
它支持在 MetaMask、Trust Wallet 和 Exodus 等流行錢包上購買加密貨幣，並與 Aave 等一些最知名的 DeFi dApp 集成。
值得注意的是，Transak 支持廣泛的法定支付方式，包括銀行轉賬、信用卡和借記卡、各種數字錢包以及 20 多種本地化解決方案，如 PIX、UPI 和 SPEI。它可在 160 多個國家/地區使用，支持 170 多種加密貨幣，並與大多數主要區塊鏈（超過 75 個網絡）兼容，同時提供有競爭力的費用。
 
什麼是 MoonPay？
與 Transak 一樣，MoonPay 是一個旨在簡化加密貨幣購買和銷售流程的平臺，並且已經集成到數百個知名的 dApp 中。
MoonPay 允許用戶購買多種加密貨幣，包括比特幣、以太坊、Solana、Cardano、USDCoin、USD Tether 等，總共支持超過 75 種。此外，它還可以支持在全球 160 多個國家/地區使用 30 多種法定貨幣進行購買。
支持的付款方式全面，包括銀行轉賬、銀行電匯、信用卡和借記卡、Apple Pay 和 Google Pay 等最常用的付款方式。
 
哪種加密入口最好？
乍一看，Transak 和 MoonPay 可能看起來很相似，那麼開發人員爲什麼要關心選擇哪一個呢？
事實上，對於整合這兩個平臺的企業來說，這兩個平臺之間的差異雖然微妙，但意義重大；從它們的功能到它們支持的法定貨幣範圍。
開發者需要考慮目標受衆：用戶所在的位置，以及用戶喜歡的付款方式和貨幣。通過評估這些因素，開發者可以找到最符合其業務目標的平臺。
讓我們探討 Transak 和 MoonPay 之間的主要區別，以幫助開發人員做出明智的決定。
 
支持的加密貨幣
最重要的考慮因素之一是可以使用加密網關購買的實際加密貨幣，因爲如果它不允許用戶購買他們需要的代幣，那麼將其集成到 dApp 中就沒有什麼意義。
作爲兩大領先的加密貨幣入口，Transak 和 MoonPay 都提供了廣泛的受支持的加密貨幣選擇，但從對每項服務的產品文檔的檢查來看，很明顯前者在這方面具有優勢。
在撰寫本文時，Transak 的主網站提供了 173 種受支持的加密貨幣的列表，這是一個相當全面的列表，包含所有主要代幣和一些不太知名的代幣。MoonPay 實際上並沒有在其主網站上提供支持的數字資產的直接列表，但我們花時間深入研究了其文檔，並在撰寫本文時統計出總共有 123 種受支持的代幣。
當然，隨着兩種服務的不斷增加，這些數字將會發生變化，也許還會取消代幣，但目前這對 Transak 來說是一個明顯的優勢。
 
支持的法定貨幣
開發人員還必須考慮每個平臺支持的法定貨幣種類，因爲如果您的目標受衆是特定人羣，選擇不支持當地貨幣的平臺是沒有用的。
在撰寫本文時，與 MoonPay 的 34 種法定貨幣相比，Transak 再次勝出，支持 76 種不同的法定貨幣。
 
入站付款方式
自然，用戶希望有多種法定支付方式可供選擇來購買加密貨幣。 這兩個平臺都支持常見的支付方式，例如信用卡支付和借記卡（包括萬事達卡、Visa 和 Maestro）以及流行的數字錢包服務，例如 Google Pay、Apple Pay 以及 SEPA 和 SEPA Instant。
MoonPay 獨自支持 PayPal，這對一些用戶來說很重要，但就其更廣泛的選擇而言，它還有不少不足之處。總而言之，MoonPay 目前僅接受 8 種不同的入口支付方式，而 Transak 則提供 17 種。
 
外部支付方式
如果用戶碰巧從交易或玩 NFT 遊戲中獲利，他們希望能夠購買和出售他們的加密貨幣。
兩個平臺的支付方式列表都比較嚴格，但 MoonPay 在這方面更勝一籌，它支持五種支付方式，包括借記卡、ACH 支付、SEPA 和 SEPA Instant、UK Faster Payments 和 PayPal。Transak 列出了七種支付方式，但根據所選貨幣區分借記卡。如果我們將所有支持的借記卡算作一種，Transak 提供三種支付方式，包括 SEPA 和 SEPA Instant 以及 Faster Bank Transfer。
儘管如此，Transak 的優勢在於，所有付款都會立即存入用戶賬戶，而 MoonPay 僅支持 PayPal 和 SEPA Instant 的即時付款，其他方式則需要 1-3 天才能處理。
 
支持區域
Transak 似乎具有優勢的另一個領域是支持的國家數量。其網站列出了 169 個可以提供法定貨幣與加密貨幣和加密貨幣與法定貨幣兌換服務的地區，而根據其不受支持的國家列表，MoonPay 的覆蓋範圍似乎擴大到 158 個國家。
 
產品多樣性
MoonPay 與 Transak 的一個不同之處在於其功能列表，因爲它不僅僅是一個加密貨幣的入口和出口，還提供 NFT Checkout、Web3 Passport 和用於鑄造非同質化代幣的 HyperMint 平臺。Transak 還提供 NFT Checkout 和一款名爲 Transak One 的創新產品，該產品簡化並壓縮了複雜的法定貨幣與智能合約之間的交互，因此用戶可以使用法定貨幣進行質押、橋接流動性和參與各種 DeFi 交易，而無需先進行交易。
 
KYC 流程
KYC 流程從來都不受加密愛好者的青睞，但它是入職流程的重要組成部分，因爲傳統金融機構受到嚴格的監管，規定誰可以和誰不能做生意。
Transak 嘗試通過其多級 KYC 解決方案儘可能簡化這一流程。
對於剛剛開始的用戶，只需要提供姓名和賬單地址即可通過第一級並獲得小額交易的授權，這對於區塊鏈遊戲來說是理想的選擇。第二級涉及更多內容，用戶需要提交其身份和地址證明並通過活躍度測試，使他們能夠進行高達 20,000 美元的交易。對於希望其帳戶不受任何限制的用戶，需要進行第三級 KYC，並且涉及更詳細的檢查。
MoonPay 也有類似的設置，將其 KYC 流程分爲四個主要類別，包括身份檢查、地址證明、自拍以及最後的“財富來源”驗證，這要求用戶提交證明其收入的文件。
與 Transak 不同，MoonPay 的系統是增量式的，因此用戶無法一次性通過所有檢查，而是在達到每次交易限額時被要求提供額外的文件。
 
dApp 集成
開發人員考慮的一個關鍵因素是集成任何加密網關的簡易性，幸運的是，Transak 和 MoonPay 都提供了全面的 API 來簡化這一過程。
Transak 的集成選項包括即時結賬 SDK、通過 Transak React Native SDK 的 React Native、通過 Webview 的 Reach Native，以及 Android、iOS 和 White Label API，甚至爲難以實現上述選項的開發人員提供一個簡單的重定向鏈接。
同時，MoonPay 總共提供了六個 SDK，包括用於基於 Web 的應用程序的 Web、React 和 Node.js SDK，以及用於移動應用程序的 iOS、Android 和 React Native。雖然它強烈建議開發人員與 SDK 集成，但它知道某些技術堆棧與上述選項不兼容，這就是爲什麼它還提供了一個簡單的基於 URL 的集成，將用戶重定向到 dApp 內的 MoonPay 小部件。
 
交易費用
每個平臺的交易費用根據所使用的付款方式、法定貨幣和用戶位置而有很大差異，但 Transak 似乎略有優勢。其費用從 0.99% 到 5% 以上不等，與 MoonPay 相比略有優勢。話雖如此，Transak 在提現到法定貨幣方面的最低限額似乎也更高。
MoonPay 的價格有點高，因爲它對每筆交易收取 4.5% 的費用，或者最低 5 美元。因此，雖然 MoonPay 允許較小額度的提款，但交易如此小額的金額可能會非常昂貴。
 
聯盟計劃
Transak 和 MoonPay 都提供聯盟計劃，讓開發人員有機會推薦其他 Web3 構建者使用他們的服務，並在這些推薦者進行的每筆交易中獲得獎勵。
使用 MoonPay，開發者可以在每筆交易中賺取 0.5% 到 1.25% 之間的靈活聯盟費，用戶可以自行調整。MoonPay 表示願意與其聯盟會員密切合作，以找到最優平衡，從而最大限度地提高轉化率。用戶在積累了至少 1,000 美元或等值當地貨幣後，將能夠提取其聯盟佣金，支付方式包括 BTC、USDC 和 USDT。
Transak 對其推薦不太透明，但會爲每筆成功的交易提供固定佣金，此外還爲聯屬會員提供深入的培訓和支持。它還爲聯屬會員提供了爲某些代幣提供折扣價格的機會。
 
用戶評論
大多數用戶表示對 Transak 感到滿意，認爲它簡單易用且交易速度快。不過，也有報道稱一些用戶抱怨交易延遲，以及發送和接收 ETH 困難。總體而言，Transak 在 Trustpilot 上獲得了超過 22,000 條評論中的 4.2 星評價，積極體驗遠遠超過消極體驗。
至於 MoonPay，它在 Trustpilot 上獲得了超過 86,000 條評論，獲得了 4.1 星的評分。大多數用戶再次對該服務表示滿意，並評論說它使用起來非常簡單。有少數報告稱，一些用戶對其功能和繁瑣的 KYC 流程感到困惑，但總體而言，絕大多數用戶對該平臺感到滿意。
 
比較摘要
 
標準
交易
月亮支付
優勝者
支持的加密貨幣
173
123
交易
支持的法定貨幣
76
三十四
交易
入門方法
17
8
交易
出路方法
3
5
月亮支付
支持區域
169
158
交易
產品多樣性
3
5
月亮支付
KYC 流程
靈活的
增加的
交易
交易費用
起始價 0.99%
4.5％
交易
聯盟計劃
透明度較低
0.5% 至 1.25%
月亮支付
Trustpilot 的用戶評論
4.2/5
4.1/5
交易
*數據截至 2024 年 6 月
 
結論
將 Transak 和 MoonPay 相互比較，可以發現每個平臺都有獨特的優勢和劣勢，因此很難確定哪個是明顯的贏家。然而，Transak 以其獨特的優勢脫穎而出，適合更廣泛的用戶、開發者和企業。
Transak 的適應性和以用戶爲中心的方法使其能夠滿足多樣化的需求，提供更靈活的解決方案。對於開發者來說，選擇取決於支持的支付方式、代幣可用性和交易成本等因素。Transak 提供有競爭力的費用和強大的幫助，將自己定位爲這些領域的強大競爭對手。
仔細檢查這兩個平臺後，很明顯，Transak 提供了一種普遍適用的解決方案，特別適合那些尋求爲其 dApp 提供廣泛可訪問性和適應性的個人。
免責聲明：本文僅供參考。本文不提供或意圖用作法律、稅務、投資、財務或其他建議。

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