Moon vs PST.NET
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: PST.NET wins overall (4.4/10 vs 3.8/10). The right pick still depends on your priority - see the flow comparison below.
 Moon |  PST.NET | |
|---|---|---|
| Overall score | 3.8 | 4.4 |
| BTC load | Direct BTC top-up (on-chain) | Direct BTC top-up (on-chain) |
| BTC sale timing | Not documented | Not documented |
| KYC | Basic KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | not documented | not documented |
| FX fee | 0% | 1% |
| Monthly fee | none | ? |
| Cashback | none | none |
| Regions | GLOBAL | GLOBAL |
Pick Moon if
- Known fee stack (0.0 vs 1.0 % equivalents on a $500/mo profile)
- Lighter KYC (Basic KYC vs Full KYC)
- Lightning top-up support
Pick PST.NET if
- you match none of Moon's edge cases - the closer score makes it the default
Moon
Watch - do not load funds. The Lightning-funded virtual card worked until late November 2025, then cards were blocked en masse and withdrawals stalled (documented cases). Support has gone silent while the site still markets the product.
PST.NET
A niche virtual-card service for online/media-buying use cases with crypto funding - usable for its purpose, but tier subscriptions, per-card fees and the niche positioning make it a poor general spending card.
FAQ
Which is better for privacy, Moon or PST.NET?
Moon requires Basic KYC, while PST.NET requires Full KYC. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
Moon: Not documented. PST.NET: Not documented. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.