MoonPay moves beyond onramps with merchant payments

MoonPay is leveraging its consumer brand to conquer the other side of the equation, building the tools for businesses to seamlessly accept and utilize digital asset revenue at scale.

According to a press release shared with crypto.news on Oct. 16, MoonPay has officially launched MoonPay Commerce, a new platform that marks its strategic pivot from servicing primarily consumers to empowering merchants.

The service is built on the technology of Helio, a crypto payments startup MoonPay acquired earlier this year, and immediately inherits a user base of over 6,000 developers and enterprises, including pivotal integrations like Solana Pay on Shopify. Notably, the move brings Helio’s operations under the MoonPay brand, creating a unified front for business-to-business crypto payments.

MoonPay’s push into merchant-grade infrastructure

MoonPay Commerce is designed to make crypto transactions as simple as traditional online payments. Per the statement, users can set up checkouts, subscriptions, or deposits within minutes using a unified dashboard that tracks payments in real time.

The goal is to give businesses full control over how they accept and manage digital assets, from configuring branded payment experiences to choosing whether to settle in crypto or convert directly into fiat currencies like USD or EUR.

A key feature for user onboarding is ‘Crypto Deposits,’ which lets customers move supported tokens into an app, a function critical for iGaming, trading platforms, and embedded wallets.

Perhaps most strategically, the “Pay with Card” option allows businesses to accept payments from customers who don’t hold crypto, with the merchant still receiving the settlement in digital assets, effectively using MoonPay as a silent intermediary.

MoonPay said the platform offers a multipronged approach, providing different integration paths tailored to specific operational needs. For developers looking to embed crypto functionality directly into their applications, the platform provides APIs, SDKs, and webhooks to build custom on-chain checkout flows for complex environments such as marketplaces and trading terminals.

Beyond simple transactions, MoonPay’s toolkit hints at a broader vision for web3 commerce. This includes the ability to split payments across multiple wallets, create token-gated memberships linked to Discord or Telegram, and run timed sales with countdowns.

These features can push businesses into the heart of community engagement and digital marketing, allowing them to build deeper, more interactive relationships with their customers.