Alternatives
Our pickIf you are leaving Paybis it is probably for one of three reasons: the card fee total, a declined card with no one to call, or a state it does not serve. Anytime Capital fixes all three, and here is how it stacks up against the other names on your list.
Updated September 2026. Paybis figures from its published pricing, terms and independent reviews.
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Buy BTCBitcoin$79,148+0.94%.svg){kind=small}
Buy ETHEthereum$2,499+1.29%.svg){kind=small}
Buy USDTTether$0.9997-0.01%.svg){kind=small}
Buy USDCUSD Coin$0.9999+0.01%.svg){kind=small}
Buy SOLSolana$104.60+1.88%.svg){kind=small}
Buy XRPXRP$1.44+3.83%.svg){kind=small}
Buy LTCLitecoin$54.37-0.65%.svg){kind=small}
Buy DOGEDogecoin$0.0905+1.52%.svg){kind=small}
Buy TRXTRON$0.3381+0.23%.svg){kind=small}
Buy ADACardano$0.2205+2.05%.svg){kind=small}
Buy AVAXAvalanche$8.03-0.04%.svg){kind=small}
Buy DOTPolkadot$1.19+12.99%.svg){kind=small}
Buy LINKChainlink$12.58-0.65%.svg){kind=small}
Buy BCHBitcoin Cash$259.39+0.89%.svg){kind=small}
Buy XLMStellar$0.1902+0.70%.svg){kind=small}
Buy SHIBShiba Inu$0.000005+1.46%.svg){kind=small}
Buy TONToncoin$1.40+1.33%.svg){kind=small}
Buy SUISui$0.8212+1.39%Quick answer
Anytime Capital, wherever you are: a FinCEN-registered U.S. money services business serving customers worldwide, with card pricing from 4% with the spread included, nine ways to pay including cash and same-day wire, an OTC desk for larger orders, an FDIC-insured cash account with a free debit card, and walk-in offices in Atlanta and Miami. MoonPay and Topper are the closest like-for-like widgets; Coinbase and Kraken are custodial exchanges built around an order book, with no cash or in-person option.
4%
Anytime Capital card pricing from
Anytime Capital
9
ways to pay
Anytime Capital
2
walk-in offices
Anytime Capital
48
states Paybis serves; NY excluded
Compared platform
Published fee percentages on a debit or credit card order
Paybis publishes a 1.49% service fee on card orders after your first purchase of each asset, plus a card processing fee of 4.5% to 8.5% depending on currency, with a $2 minimum. Anytime Capital pricing starts from 4% with the spread included, and the amount you pay and the crypto you receive are shown before you confirm. Both exclude blockchain network fees. Figures as of September 2026; check each platform's checkout for your exact quote.
The most common reason is the fee total. A 1.49% service fee is the number people remember, until the 4.5% to 8.5% processing fee joins it. The second is the decline: a bank blocks the card and Paybis has no cash or wire rail to fall back on. The third is reach, both the states Paybis excludes and the plain fact that its support is a chat window in Europe.
A good alternative should beat Paybis on all three without giving up what it does well: fast card orders, clear pricing, and delivery to a wallet you control.
Anytime Capital keeps the fast card checkout and adds everything a widget cannot. Card, Apple Pay and Google Pay orders confirm in minutes from 4%. ACH, same-day wire, Cash App, cash at the Atlanta branch and cash by mail cover every other way people actually pay. An OTC desk handles size with a named contact. And the account that comes with it, an FDIC-insured cash balance with a free virtual debit card and a non-custodial wallet, means you can buy, hold, sell and spend without leaving.
When something needs a human, (470) 748-2530 reaches one, and 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324 is a real door.
Paybis is built to be used through a screen. We are built to be visited. Bring cash, bring questions, or bring a problem another platform could not solve.
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MoonPay and Topper are the nearest like-for-like replacements: card-first on-ramps embedded in wallets, with the same absence of cash, wire or a phone line. Coinbase and Kraken are custodial exchanges: your dollars and coins sit in an account, you trade against an order book, you can stake, and Coinbase holds a New York BitLicense, but neither takes cash, neither has a branch, and both have their own well-documented support queues. Binance.US is a separate, smaller entity from the global exchange and is not available in every state.
If what you want is an order book, margin or staking inside a custodial account, that is what an exchange is for. If your priority is paying the way you want, holding your own keys and reaching a person when it matters, that is us.
Create an Anytime Capital account, verify with your ID and a selfie, pick a coin and a payment method, and paste the same wallet address you used on Paybis. Nothing needs to move. Your first order can be as small as you like to confirm it lands where you expect.
Verify once with your ID and a selfie, pick a coin, choose any of nine ways to pay, and paste any wallet address you control. Card and Apple Pay orders confirm in minutes; wires settle the same business day.
Side by side
A green check marks the platform with the edge on that row. Anytime Capital leads on 8 of 13.
Card purchase fee
Bank transfer fee
Pay with cash
Wire transfers
Ways to pay
The rails Paybis has, it runs well. The ones it does not have are the ones a customer reaches for when a card is declined, an amount is large, or the money is in cash.
Apple PayInstant, from your phoneYesYes
Google PayInstant, Android and webYesYes
Debit cardVisa and MastercardYesYes
Credit cardAmex and Discover accepted hereYesYes
Cash AppPay from your Cash App balanceNoYesCoins
Most of the volume on any platform is in the same few dozen coins. Every one below has its own buy page here, with Apple Pay, card, ACH, wire and cash at checkout.
BitcoinBuy BTCEthereumBuy ETHTetherBuy USDTUSD CoinBuy USDCSolanaBuy SOLXRPBuy XRP.svg){kind=small}
BNBBuy BNBDogecoinBuy DOGETRONBuy TRXCardanoBuy ADALitecoinBuy LTCChainlinkBuy LINKAvalancheBuy AVAXPolkadotBuy DOTToncoinBuy TONSuiBuy SUIShiba InuBuy SHIBStellarBuy XLMBitcoin CashBuy BCH.svg){kind=small}
PolygonBuy POL.svg){kind=small}
UniswapBuy UNI.svg){kind=small}
NEARBuy NEAR.svg){kind=small}
HederaBuy HBAR.svg){kind=small}
AptosBuy APT.svg){kind=small}
ArbitrumBuy ARB.svg){kind=small}
OptimismBuy OP.svg){kind=small}
CosmosBuy ATOM.svg){kind=small}
FilecoinBuy FIL.svg){kind=small}
Ethereum ClassicBuy ETC.svg){kind=small}
AaveBuy AAVE.svg){kind=small}
InjectiveBuy INJ.svg){kind=small}
BittensorBuy TAO.svg){kind=small}
RenderBuy RENDER.svg){kind=small}
SeiBuy SEI.svg){kind=small}
StacksBuy STX.svg){kind=small}
ImmutableBuy IMXHow it works
Government ID and a selfie, online in minutes. Stuck? Call the branch or come in and finish it in person.
Apple Pay, Google Pay, card, ACH, wire, Cash App, cash in branch or cash by mail. The full price is on screen before you confirm.
Coins land in your own wallet or the free Anytime Capital wallet. Sell back to an FDIC-insured cash account and spend with the debit card.
Anytime Capital is a U.S. money services business serving customers worldwide, with a branch in Atlanta, an office in Miami, and card pricing from 4% with the spread included. Verification takes minutes, nine payment methods are live, and (470) 748-2530 reaches a person during business hours.
Digital assets are not FDIC-insured, are not bank deposits, and may lose value. Availability and limits subject to identity verification and compliance review.
Questions
More on Paybis
Apple Pay & Google Pay
Talk to a human
Physical locations
Countries served
New York residents
Bank account & debit card
Large orders
Crypto delivered to
Regulation