Moneta vs WorldFirst
Compare payment processing fees and features. See how much your business can save by switching from WorldFirst to Moneta's zero-fee stablecoin payments.
Savings Calculator
Calculate how much you'll save by switching to Moneta
Detailed Fee Comparison
| Fee Type | Moneta | WorldFirst |
|---|---|---|
| Transaction Fee (%) | 0% | 0.75% |
| Fixed Fee per Transaction | ~$0.001 | $0.00 |
| Currency Conversion / FX Markup | 0% | 0.75% |
| Chargeback Fee | N/A | $15-25 |
| Settlement Time | Instant | 2-7 days |
| Withdrawal Fee | $0 | Varies |
Feature Comparison
Real-World Savings Scenarios
Amazon FBA Seller
$80,000/month
An Amazon seller receiving payouts in multiple currencies. WorldFirst's 0.5-1% fees on $80K monthly equals $400-800 in charges.
eBay Power Seller
$25,000/month
A high-volume eBay seller managing international sales. Currency conversion fees reduce margins on already competitive products.
Alibaba Importer
$150,000/month
A business importing goods from China. WorldFirst's Alibaba integration is convenient but fees on $150K add up to $750-1,500 monthly.
Multi-Marketplace Seller
$200,000/month
A seller on Amazon, eBay, and Wish simultaneously. Managing multiple currency conversions compounds WorldFirst's percentage fees.
Pros and Cons
Moneta
Pros
- Zero transaction fees (vs 0.5-1.5%)
- No exchange rate markup
- Instant settlement (vs 1-2 days)
- Self-custody of funds
- No volume requirements for best rates
- Works 24/7 including weekends
- No account freezes possible
- Same low cost regardless of amount
Cons
- No marketplace integrations
- No direct Alibaba integration
- Recipients need crypto wallets
- No multi-currency bank accounts
- Less established in e-commerce
- Requires crypto-to-fiat conversion
WorldFirst
Pros
- Direct Amazon, eBay, Wish integrations
- Alibaba Trade Assurance integration
- Multi-currency receiving accounts
- Competitive exchange rates
- Volume discounts available
- Established e-commerce reputation
- Backed by Ant Group (Alibaba)
- Local payment methods supported
Cons
- 0.5-1.5% fees on every transfer
- 0.5-0.75% exchange rate markup
- 1-2 day settlement time
- Volume required for best rates
- Account holds possible
- Business hours processing only
- Minimum transfer amounts
Which Should You Choose?
Choose Moneta if you:
- Want zero fees on international payments
- Pay suppliers who accept stablecoins
- Need instant settlement
- Process high volumes cost-effectively
- Value self-custody of funds
- Make payments outside business hours
- Want predictable, transparent pricing
Choose WorldFirst if you:
- Sell on Amazon, eBay, or Wish
- Need Alibaba Trade Assurance integration
- Require multi-currency bank accounts
- Prefer established e-commerce payment rails
- Need volume-based pricing negotiations
- Recipients only accept bank transfers
Frequently Asked Questions
How does Moneta compare to WorldFirst for e-commerce sellers?
WorldFirst is designed for marketplace sellers with direct integrations to Amazon, eBay, etc. Moneta offers zero fees but lacks these integrations. For marketplace payouts, WorldFirst is more convenient. For direct supplier payments or B2B transactions, Moneta saves significantly more.
Can I use Moneta to pay Alibaba suppliers?
While WorldFirst has direct Alibaba integration, many Chinese suppliers now accept stablecoin payments. You can negotiate with suppliers to pay via Moneta and potentially share the fee savings. This is increasingly common in international trade.
What about WorldFirst's volume discounts?
WorldFirst offers better rates for high-volume users, potentially dropping to 0.5% or lower. However, even at 0.5%, a business processing $100K monthly pays $500 in fees. Moneta charges 0% regardless of volume—no negotiations needed.
Is WorldFirst faster than Moneta?
No, Moneta settles instantly while WorldFirst takes 1-2 business days. For time-sensitive payments or cash flow management, Moneta's instant settlement provides significant advantages.
Should I switch completely from WorldFirst to Moneta?
For marketplace payouts (Amazon, eBay), you'll likely need WorldFirst or similar services. However, for direct supplier payments, B2B transactions, or any payments where the recipient accepts stablecoins, Moneta eliminates fees entirely. Many businesses use both strategically.
How do the exchange rates compare?
WorldFirst offers competitive rates with a 0.5-0.75% markup over mid-market. Moneta uses stablecoins pegged to currencies, so there's no exchange rate markup. When converting stablecoins to fiat, exchange fees are typically 0.5-1%—comparable to WorldFirst's best rates.
About WorldFirst
WorldFirst is an international payments company founded in 2004 and acquired by Ant Group (Alibaba) in 2019. It specializes in cross-border payments for businesses and online sellers, particularly those selling on Amazon, eBay, and other marketplaces. WorldFirst offers competitive exchange rates and multi-currency accounts, but still charges percentage-based fees that can impact margins on high-volume transactions.
Ready to switch from WorldFirst?
Join thousands of businesses saving $1,799/year by switching to zero-fee stablecoin payments.
No spam, ever. Unsubscribe anytime.