Which is cheaper, Flashnet or MoonPay?

Flashnet is significantly cheaper for Bitcoin transactions. Orchestra charges 0.20% for USDB and 0.40% for other assets, compared to MoonPay's 1.5-4.5% for card purchases and ~1% for bank transfers. On a $10,000 purchase, you save $110-410 using Flashnet.

Which supports more countries?

MoonPay supports 160+ countries with localized payment methods including cards, bank transfers, and mobile money. Flashnet's coverage is more limited geographically but growing. For global coverage across many payment methods, MoonPay currently leads.

Which is better for Bitcoin specifically?

Flashnet is purpose-built for Bitcoin. It settles natively on Spark (Bitcoin L2) with instant finality, charges lower fees, and supports non-custodial delivery. MoonPay treats Bitcoin as one of 100+ supported tokens and typically delivers to Ethereum or other chains rather than Bitcoin-native wallets.

Is Flashnet custodial?

No. Flashnet's Orchestra API is non-custodial. Funds settle directly to the user's wallet on Spark with no intermediate custody. MoonPay is custodial during the purchase process — they hold the crypto briefly before delivering it to the destination address.

Can I switch from MoonPay to Flashnet?

Yes. If you're using MoonPay primarily for Bitcoin onramp, Flashnet's Orchestra API is a drop-in replacement for the onramp flow. The API handles invoice creation, payment monitoring, and settlement. Most integrations can be completed in a few days of development work.

Which is cheaper, Flashnet or MoonPay?

Flashnet is significantly cheaper for Bitcoin transactions. Orchestra charges 0.20% for USDB and 0.40% for other assets, compared to MoonPay's 1.5-4.5% for card purchases and ~1% for bank transfers. On a $10,000 purchase, you save $110-410 using Flashnet.

Which supports more countries?

MoonPay supports 160+ countries with localized payment methods including cards, bank transfers, and mobile money. Flashnet's coverage is more limited geographically but growing. For global coverage across many payment methods, MoonPay currently leads.

Which is better for Bitcoin specifically?

Flashnet is purpose-built for Bitcoin. It settles natively on Spark (Bitcoin L2) with instant finality, charges lower fees, and supports non-custodial delivery. MoonPay treats Bitcoin as one of 100+ supported tokens and typically delivers to Ethereum or other chains rather than Bitcoin-native wallets.

Is Flashnet custodial?

No. Flashnet's Orchestra API is non-custodial. Funds settle directly to the user's wallet on Spark with no intermediate custody. MoonPay is custodial during the purchase process — they hold the crypto briefly before delivering it to the destination address.

Can I switch from MoonPay to Flashnet?

Yes. If you're using MoonPay primarily for Bitcoin onramp, Flashnet's Orchestra API is a drop-in replacement for the onramp flow. The API handles invoice creation, payment monitoring, and settlement. Most integrations can be completed in a few days of development work.

Flashnet vs MoonPay: Bitcoin Onramp Comparison

A direct comparison of Flashnet and MoonPay for buying Bitcoin. Flashnet offers lower fees (0.20-0.40% vs 1.5-4.5%) and Bitcoin-native settlement, while MoonPay supports more cryptocurrencies and countries.

March 29, 2026

Flashnet vs MoonPay: A Direct Comparison

MoonPay is one of the most widely integrated crypto onramp providers. Founded in 2019, it powers the buy-crypto widget embedded in hundreds of wallets and dApps. MoonPay supports 100+ cryptocurrencies across multiple chains, accepts cards and bank transfers in 160+ countries, and offers a polished hosted checkout experience. Its primary audience is end users who want to buy crypto quickly without managing exchange accounts.

Flashnet's Orchestra API serves a different segment. Orchestra is a Bitcoin-focused orchestration layer that handles onramp, offramp, bridge, and swap operations through a single API. It supports 12+ chains with fees starting at 0.20% for USDB and 0.40% for other assets. Settlement happens on Spark, Bitcoin's layer-2, with instant finality via ZeroConf. The primary audience is developers and businesses building Bitcoin-native applications.

The two platforms overlap on onramp functionality but diverge in philosophy. MoonPay is a broad crypto gateway optimized for coverage and convenience. Flashnet is a Bitcoin-native infrastructure layer optimized for cost and settlement speed. Which one fits depends on what you're building and who you're serving.

Fee and Feature Comparison

Fees are the most significant difference. MoonPay charges 1.5-4.5% for card purchases and approximately 1% for bank transfers, with additional network fees. Flashnet's Orchestra charges 0.20% for USDB transactions and 0.40% for other assets. On a $10,000 purchase, that's the difference between $150-450 (MoonPay) and $20-40 (Flashnet). For businesses processing volume, this gap compounds into substantial savings.

Supported assets and geography favor MoonPay. It covers 100+ cryptocurrencies including Ethereum tokens, Solana tokens, and NFTs. It operates in 160+ countries with localized payment methods. Flashnet is focused on Bitcoin and Bitcoin-native assets (BTC, USDB), with coverage across 12+ chains for bridging but a narrower direct onramp footprint.

Integration and custody models differ fundamentally. MoonPay provides a hosted widget that handles the full checkout flow — your users interact with MoonPay's UI. Flashnet provides API endpoints that you integrate into your own product, giving you full control over the user experience. MoonPay is custodial during the purchase flow. Flashnet's Orchestra is non-custodial, settling directly to the user's wallet on Spark with no intermediate custody step.

When to Choose Each Platform

Choose MoonPay when you need broad cryptocurrency coverage beyond Bitcoin, when you operate in regions where MoonPay has established payment rails, or when you want a drop-in hosted widget with minimal development effort. MoonPay is the safer choice for multi-chain applications serving a general crypto audience.

Choose Flashnet when Bitcoin is your primary asset, when fees are a competitive differentiator for your product, or when you need non-custodial settlement and API-level control over the payment flow. Flashnet is the better choice for Bitcoin-native applications, high-volume payment processing, and products where sub-1% fees matter to users.

For businesses currently using MoonPay for Bitcoin purchases specifically, switching to Flashnet's Orchestra can reduce onramp costs by 75-95%. The APIs are straightforward to integrate, and instant settlement via ZeroConf means faster fund availability than MoonPay's typical confirmation times. Use the Fee Comparison Calculator to model the savings for your specific volume.

Frequently Asked Questions

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