diff --git a/modules/rcart/components/folk-payment-page.ts b/modules/rcart/components/folk-payment-page.ts
index 6fba6ea..2ffc4ff 100644
--- a/modules/rcart/components/folk-payment-page.ts
+++ b/modules/rcart/components/folk-payment-page.ts
@@ -137,14 +137,15 @@ class FolkPaymentPage extends HTMLElement {
 
 	// ── Card tab: Transak ──
 
-	private async startTransak() {
+	private async startCardPayment() {
 		if (!this.cardEmail) return;
 		this.cardLoading = true;
 		this.render();
 
 		try {
 			const effectiveAmount = this.getEffectiveAmount();
-			const res = await fetch(`${this.getApiBase()}/api/payments/${this.paymentId}/transak-session`, {
+			// Use the unified card-session endpoint (picks MoonPay or Transak server-side)
+			const res = await fetch(`${this.getApiBase()}/api/payments/${this.paymentId}/card-session`, {
 				method: 'POST',
 				headers: { 'Content-Type': 'application/json' },
 				body: JSON.stringify({ email: this.cardEmail, ...(effectiveAmount ? { amount: effectiveAmount } : {}) }),
@@ -152,16 +153,17 @@ class FolkPaymentPage extends HTMLElement {
 			const data = await res.json();
 			if (!res.ok) throw new Error(data.error || 'Failed to create session');
 
-			this.transakEnv = data.env || 'PRODUCTION';
 			this.transakUrl = data.widgetUrl;
+			this.transakEnv = data.env || 'sandbox';
+			const provider = data.provider || 'transak';
 
-			// Listen for Transak postMessage events
-			window.addEventListener('message', this.handleTransakMessage);
+			// Listen for postMessage events from both MoonPay and Transak
+			window.addEventListener('message', this.handlePaymentMessage);
 
-			// Transak blocks iframes (X-Frame-Options: sameorigin) — always use popup
+			// Open in popup (both providers block iframes)
 			this.transakPopup = window.open(
 				data.widgetUrl,
-				'transak-payment',
+				'card-payment',
 				'width=450,height=700,scrollbars=yes,resizable=yes',
 			);
 			// Poll for popup close (user cancelled)
@@ -178,12 +180,18 @@ class FolkPaymentPage extends HTMLElement {
 		this.render();
 	}
 
-	private handleTransakMessage = (e: MessageEvent) => {
-		if (!e.data?.event_id) return;
-		if (e.data.event_id === 'TRANSAK_ORDER_SUCCESSFUL' || e.data.event_id === 'TRANSAK_ORDER_COMPLETED') {
+	private handlePaymentMessage = (e: MessageEvent) => {
+		// Transak events
+		if (e.data?.event_id === 'TRANSAK_ORDER_SUCCESSFUL' || e.data?.event_id === 'TRANSAK_ORDER_COMPLETED') {
 			const orderId = e.data.data?.id || e.data.data?.orderId;
 			this.updatePaymentStatus('paid', 'transak', null, orderId);
-			window.removeEventListener('message', this.handleTransakMessage);
+			window.removeEventListener('message', this.handlePaymentMessage);
+		}
+		// MoonPay events
+		if (e.data?.type === 'moonpay_onTransactionCompleted' || e.data?.type === 'MOONPAY_TRANSACTION_COMPLETED') {
+			const txId = e.data.data?.id || e.data.transactionId;
+			this.updatePaymentStatus('paid', 'moonpay', null, txId);
+			window.removeEventListener('message', this.handlePaymentMessage);
 		}
 	};
 
@@ -574,7 +582,7 @@ class FolkPaymentPage extends HTMLElement {
 					<div class="transak-popup-status">
 						<p class="tab-desc">Transak payment opened in a new window.</p>
 						<p class="tab-desc" style="font-size:0.8125rem; color:var(--rs-text-muted)">Complete the payment in the popup window. This page will update automatically.</p>
-						<button class="btn" data-action="reopen-transak" style="margin-top:0.5rem">Re-open Payment Window</button>
+						<button class="btn" data-action="reopen-card-payment" style="margin-top:0.5rem">Re-open Payment Window</button>
 					</div>
 				</div>`;
 		}
@@ -585,7 +593,7 @@ class FolkPaymentPage extends HTMLElement {
 				<div class="form-row">
 					<input type="email" placeholder="Your email address" class="input" data-field="card-email" value="${this.esc(this.cardEmail)}" />
 				</div>
-				<button class="btn btn-primary" data-action="start-transak" ${this.cardLoading ? 'disabled' : ''}>
+				<button class="btn btn-primary" data-action="start-card-payment" ${this.cardLoading ? 'disabled' : ''}>
 					${this.cardLoading ? 'Loading...' : 'Pay with Card'}
 				</button>
 				${this.error ? `<div class="field-error">${this.esc(this.error)}</div>` : ''}
@@ -677,8 +685,8 @@ class FolkPaymentPage extends HTMLElement {
 		// Card tab
 		const emailInput = this.shadow.querySelector('[data-field="card-email"]') as HTMLInputElement;
 		emailInput?.addEventListener('input', () => { this.cardEmail = emailInput.value; });
-		this.shadow.querySelector('[data-action="start-transak"]')?.addEventListener('click', () => this.startTransak());
-		this.shadow.querySelector('[data-action="reopen-transak"]')?.addEventListener('click', () => {
+		this.shadow.querySelector('[data-action="start-card-payment"]')?.addEventListener('click', () => this.startCardPayment());
+		this.shadow.querySelector('[data-action="reopen-card-payment"]')?.addEventListener('click', () => {
 			if (this.transakUrl) {
 				this.transakPopup = window.open(
 					this.transakUrl,
diff --git a/modules/rcart/mod.ts b/modules/rcart/mod.ts
index c0c48c6..38daf12 100644
--- a/modules/rcart/mod.ts
+++ b/modules/rcart/mod.ts
@@ -31,6 +31,7 @@ import {
 } from './schemas';
 import { extractProductFromUrl } from './extract';
 import { createSecureWidgetUrl, extractRootDomain, getTransakApiKey, getTransakEnv } from '../../shared/transak';
+import { createMoonPayPaymentUrl, getMoonPayApiKey, getMoonPayEnv } from '../../shared/moonpay';
 import QRCode from 'qrcode';
 import { createTransport, type Transporter } from "nodemailer";
 import {
@@ -1796,6 +1797,77 @@ routes.post("/api/payments/:id/transak-session", async (c) => {
 	return c.json({ widgetUrl, env: transakEnv });
 });
 
+// POST /api/payments/:id/card-session — Get on-ramp widget URL (MoonPay preferred, Transak fallback)
+routes.post("/api/payments/:id/card-session", async (c) => {
+	const space = c.req.param("space") || "demo";
+	const paymentId = c.req.param("id");
+	const docId = paymentRequestDocId(space, paymentId);
+	const doc = _syncServer!.getDoc<PaymentRequestDoc>(docId);
+	if (!doc) return c.json({ error: "Payment request not found" }, 404);
+
+	const p = doc.payment;
+	if (p.status !== 'pending') return c.json({ error: "Payment is no longer pending" }, 400);
+	if (p.enabledMethods && !p.enabledMethods.card) return c.json({ error: "Card payments are not enabled for this request" }, 400);
+
+	const { email, amount: overrideAmount } = await c.req.json();
+	if (!email) return c.json({ error: "Required: email" }, 400);
+
+	const effectiveAmount = (p.amountEditable && overrideAmount) ? String(overrideAmount) : p.amount;
+
+	// Try MoonPay first (simpler, no session API needed)
+	const moonPayKey = getMoonPayApiKey();
+	if (moonPayKey) {
+		try {
+			const widgetUrl = createMoonPayPaymentUrl({
+				walletAddress: p.recipientAddress,
+				token: p.token,
+				chainId: p.chainId,
+				amount: effectiveAmount,
+				fiatAmount: p.fiatAmount || undefined,
+				fiatCurrency: p.fiatCurrency || 'USD',
+				email,
+				paymentId,
+			});
+			return c.json({ widgetUrl, provider: 'moonpay', env: getMoonPayEnv() });
+		} catch (err) {
+			console.error('[rcart] MoonPay URL generation failed:', err);
+		}
+	}
+
+	// Fall back to Transak
+	const transakApiKey = getTransakApiKey();
+	if (!transakApiKey) return c.json({ error: "No payment provider configured" }, 503);
+
+	const networkMap: Record<number, string> = { 8453: 'base', 84532: 'base', 1: 'ethereum' };
+	const host = c.req.header('x-forwarded-host') || c.req.header('host') || new URL(c.req.url).hostname;
+
+	const widgetParams: Record<string, string> = {
+		apiKey: transakApiKey,
+		referrerDomain: extractRootDomain(host),
+		cryptoCurrencyCode: p.token,
+		network: networkMap[p.chainId] || 'base',
+		defaultCryptoCurrency: p.token,
+		walletAddress: p.recipientAddress,
+		disableWalletAddressForm: 'true',
+		defaultCryptoAmount: effectiveAmount,
+		partnerOrderId: `pay-${paymentId}`,
+		email,
+		themeColor: '6366f1',
+		hideMenu: 'true',
+	};
+	if (p.fiatAmount) {
+		widgetParams.fiatAmount = p.fiatAmount;
+		widgetParams.defaultFiatAmount = p.fiatAmount;
+	}
+	if (p.fiatCurrency) {
+		widgetParams.fiatCurrency = p.fiatCurrency;
+		widgetParams.defaultFiatCurrency = p.fiatCurrency;
+	}
+
+	const widgetUrl = await createSecureWidgetUrl(widgetParams);
+	return c.json({ widgetUrl, provider: 'transak', env: getTransakEnv() });
+});
+
 // POST /api/payments/:id/share-email — Email payment link to recipients
 routes.post("/api/payments/:id/share-email", async (c) => {
 	const space = c.req.param("space") || "demo";
diff --git a/shared/moonpay.ts b/shared/moonpay.ts
new file mode 100644
index 0000000..fc53eae
--- /dev/null
+++ b/shared/moonpay.ts
@@ -0,0 +1,153 @@
+/**
+ * MoonPay API utilities — fiat-to-crypto on-ramp.
+ *
+ * MoonPay widget URLs are built with query params and signed server-side
+ * with HMAC-SHA256 using the API secret. No session API needed.
+ *
+ * Environment: MOONPAY_ENV controls sandbox vs production.
+ * Docs: https://dev.moonpay.com/
+ */
+
+import { createHmac } from 'crypto';
+
+export type MoonPayEnv = 'sandbox' | 'production';
+
+const WIDGET_URLS = {
+	sandbox: 'https://buy-sandbox.moonpay.com',
+	production: 'https://buy.moonpay.com',
+} as const;
+
+/** Get current MoonPay environment */
+export function getMoonPayEnv(): MoonPayEnv {
+	const env = process.env.MOONPAY_ENV?.toLowerCase();
+	return env === 'production' ? 'production' : 'sandbox';
+}
+
+/** Get MoonPay publishable API key */
+export function getMoonPayApiKey(): string {
+	const env = getMoonPayEnv();
+	return (env === 'production'
+		? process.env.MOONPAY_API_KEY_PRODUCTION
+		: process.env.MOONPAY_API_KEY_SANDBOX
+	) || process.env.MOONPAY_API_KEY || '';
+}
+
+/** Get MoonPay secret key (for URL signing) */
+export function getMoonPaySecretKey(): string {
+	const env = getMoonPayEnv();
+	return (env === 'production'
+		? process.env.MOONPAY_SECRET_KEY_PRODUCTION
+		: process.env.MOONPAY_SECRET_KEY_SANDBOX
+	) || process.env.MOONPAY_SECRET_KEY || '';
+}
+
+/** Chain ID to MoonPay network name */
+const NETWORK_MAP: Record<number, string> = {
+	8453: 'base',
+	84532: 'base',
+	1: 'ethereum',
+	137: 'polygon',
+	42161: 'arbitrum',
+};
+
+/** Token symbol to MoonPay currency code */
+const CURRENCY_MAP: Record<string, Record<string, string>> = {
+	USDC: {
+		base: 'usdc_base',
+		ethereum: 'usdc',
+		polygon: 'usdc_polygon',
+		arbitrum: 'usdc_arbitrum',
+	},
+	ETH: {
+		base: 'eth_base',
+		ethereum: 'eth',
+		arbitrum: 'eth_arbitrum',
+	},
+};
+
+export interface MoonPayWidgetParams {
+	walletAddress: string;
+	email?: string;
+	currencyCode?: string;         // e.g. 'usdc_base'
+	baseCurrencyCode?: string;     // e.g. 'usd'
+	baseCurrencyAmount?: number;   // fiat amount
+	quoteCurrencyAmount?: number;  // crypto amount
+	externalTransactionId?: string;
+	colorCode?: string;            // hex without # (e.g. '6366f1')
+	redirectURL?: string;
+	showWalletAddressForm?: boolean;
+}
+
+/**
+ * Build a signed MoonPay widget URL.
+ * The URL is signed with HMAC-SHA256 using the secret key.
+ */
+export function createMoonPayWidgetUrl(params: MoonPayWidgetParams): string {
+	const env = getMoonPayEnv();
+	const apiKey = getMoonPayApiKey();
+	const secretKey = getMoonPaySecretKey();
+
+	if (!apiKey) throw new Error('MoonPay API key not configured');
+	if (!secretKey) throw new Error('MoonPay secret key not configured');
+
+	const base = WIDGET_URLS[env];
+	const url = new URL(base);
+
+	url.searchParams.set('apiKey', apiKey);
+	url.searchParams.set('walletAddress', params.walletAddress);
+
+	if (params.currencyCode) url.searchParams.set('currencyCode', params.currencyCode);
+	if (params.baseCurrencyCode) url.searchParams.set('baseCurrencyCode', params.baseCurrencyCode);
+	if (params.baseCurrencyAmount) url.searchParams.set('baseCurrencyAmount', String(params.baseCurrencyAmount));
+	if (params.quoteCurrencyAmount) url.searchParams.set('quoteCurrencyAmount', String(params.quoteCurrencyAmount));
+	if (params.email) url.searchParams.set('email', params.email);
+	if (params.externalTransactionId) url.searchParams.set('externalTransactionId', params.externalTransactionId);
+	if (params.colorCode) url.searchParams.set('colorCode', params.colorCode);
+	if (params.redirectURL) url.searchParams.set('redirectURL', params.redirectURL);
+	if (params.showWalletAddressForm === false) url.searchParams.set('showWalletAddressForm', 'false');
+
+	// Sign the URL: HMAC-SHA256 of the query string (including the leading '?')
+	const signature = createHmac('sha256', secretKey)
+		.update(url.search)
+		.digest('base64url');
+	url.searchParams.set('signature', signature);
+
+	return url.toString();
+}
+
+/**
+ * Build a MoonPay widget URL for a payment request.
+ * Convenience wrapper that maps token/chainId to MoonPay currency codes.
+ */
+export function createMoonPayPaymentUrl(opts: {
+	walletAddress: string;
+	token: string;
+	chainId: number;
+	amount?: string;
+	fiatAmount?: string;
+	fiatCurrency?: string;
+	email?: string;
+	paymentId?: string;
+}): string {
+	const network = NETWORK_MAP[opts.chainId] || 'base';
+	const currencyCode = CURRENCY_MAP[opts.token]?.[network] || 'usdc_base';
+
+	const params: MoonPayWidgetParams = {
+		walletAddress: opts.walletAddress,
+		currencyCode,
+		email: opts.email,
+		externalTransactionId: opts.paymentId ? `pay-${opts.paymentId}` : undefined,
+		colorCode: '6366f1',
+		showWalletAddressForm: false,
+	};
+
+	// Prefer fiat amount if available, otherwise use crypto amount
+	if (opts.fiatAmount && parseFloat(opts.fiatAmount) > 0) {
+		params.baseCurrencyAmount = parseFloat(opts.fiatAmount);
+		params.baseCurrencyCode = (opts.fiatCurrency || 'USD').toLowerCase();
+	} else if (opts.amount && parseFloat(opts.amount) > 0) {
+		params.quoteCurrencyAmount = parseFloat(opts.amount);
+	}
+
+	return createMoonPayWidgetUrl(params);
+}