The State of Crypto Cards in 2025
PayWithMoon was one of the first services to allow users to spend Bitcoin via a virtual Visa card. For years, it was the go-to solution for privacy-focused individuals. However, the landscape has changed dramatically in 2025.
With increasing regulatory pressure and changes in banking partnerships, many users are reporting issues with limits, account freezes, and merchant acceptance. In this review, we'll analyze if PayWithMoon is still the king of crypto cards, or if it's time to move on.
Pros & Cons
The Good
The Bad
The "Prepaid" Problem
One of the biggest complaints in 2025 is that PayWithMoon cards are detected as "Prepaid" by many merchants. This means they often get rejected by subscription services like DigitalOcean, AWS, or even some travel booking sites.
The Solution: Newer services like Freedomia utilize "Debit" or "Credit" BINs, which have a much higher acceptance rate (99.9%) across all merchants globally.
Comparison: Moon vs Freedomia
| Feature | PayWithMoon | Freedomia |
|---|---|---|
| KYC Requirement | Often Required | No KYC |
| Monthly Limit | Low / Variable | $5,000 |
| Card Type | Prepaid (High Rejection) | Debit (High Acceptance) |
| Support | Email Only | 24/7 Live Chat |
Our Verdict: Switch to Freedomia
If you value privacy, higher limits, and a card that actually works everywhere, Freedomia is the clear winner in 2025. Don't let your funds get stuck in a legacy system.
Get Your Freedomia Card