Why can’t I buy crypto with Instant ACH when using MoonPay?

When using MoonPay, you can buy crypto using an Instant ACH (Instant Automated Clearing House) transaction.


The majority of US residents (see state exceptions here) will have the option to choose Instant ACH bank transfer, in addition to card and mobile payments. At certain times, the option for Instant ACH may become temporarily unavailable.


When this happens, a cooldown timer will be displayed. This timer will show you when the Instant ACH payment option will become available again. Until the cooldown timer completes, you cannot buy crypto using Instant ACH. You can still buy crypto using a bank card or Apple Pay.


For more information and support, please reach out to MoonPay Customer Support.


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