Why crypto amounts and account balances can differ in MoonPay transactions

When using MoonPay, you may notice differences between the amount of cryptocurrency you receive and the fiat value shown in your wallet or on other platforms. This article explains why these differences occur, what factors affect them, and how to troubleshoot common display issues.

If you make a purchase in one fiat currency and view your purchase in another, the displayed amount may differ due to exchange rates.

For example, 70 CAD may appear as approximately $44.56 USD when viewed in USD, depending on the current conversion rate.

To view account balances in your preferred currency in the MoonPay app:

MoonPay acts as a payment gateway where fiat is exchanged for a fixed amount of cryptocurrency. If you pay in one currency (such as EUR) but view the result in another currency (such as USD) on a third-party platform, any difference reflects how that platform values the cryptocurrency in that currency.

Cryptocurrency prices are volatile. While the crypto amount you receive (for example, 0.0006 BTC) is fixed at the time of purchase, its fiat value changes with the market.

For example, if you purchase $450 worth of BTC, the wallet may later display it as $350 if Bitcoin’s market price drops.

Different platforms may show different fiat values for the same crypto amount because they use different market rates. Always rely on the fixed crypto amount delivered, rather than its fluctuating fiat value.

MoonPay may update or show a new quote if market conditions change before you confirm your purchase or before your payment is received (for example, with bank transfers).

Once you confirm the transaction and your payment is received, MoonPay locks in the exchange rate for that order, and the crypto amount you receive is fixed.

Purchase fees — such as processing, ecosystem, and network fees — are added to the base cost, which increases the total amount you pay.

Example:

The total fiat amount spent and the crypto amount delivered are tied to your confirmed order details, not to later wallet price displays. Review your transaction summary to see the full breakdown.

The MoonPay mobile app wallet does not display some cryptocurrencies, such as Litecoin (LTC), even if you’ve purchased them.

To verify your balance, use a blockchain explorer for your LTC address. Your funds remain secure even if they’re not shown in the app.

If you don’t have access to MoonPay Balance, MoonPay doesn’t support holding fiat-only balances. In these cases, all transactions convert fiat directly into cryptocurrency, so entering a fiat amount will always show a crypto equivalent — not a fiat balance. This is expected behavior when using MoonPay as a crypto on-ramp.

If you do have access to MoonPay Balance, you can hold a fiat balance (EUR, GBP, or USD) in your account and use it to buy or sell crypto, or withdraw it to your bank.

If you have further questions or need help reviewing a transaction, contact MoonPay Support for assistance via the chat button at the bottom right of this page.