Alternatives
Our pickThe best Paybis alternative for U.S. buyers
If 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.
- Card pricing from 4% versus 5.99–9.99% at Paybis
- Cash, wire, ACH, Cash App, Apple Pay, Google Pay and cards
- Atlanta branch, Miami office, and a phone number that answers
Updated September 2026. Paybis figures from its published pricing policy, U.S. terms and independent reviews.
- FinCEN-registered U.S. money services business
- Atlanta branch · Miami office
- 8,000+ completed trades
- FDIC-insured cash account
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Buy BTCBitcoin$80,983+5.05%.svg)
Buy ETHEthereum$2,494+4.90%.svg)
Buy USDTTether$0.9999+0.03%.svg)
Buy USDCUSD Coin$0.9999+0.01%.svg)
Buy SOLSolana$104.67+6.23%.svg)
Buy XRPXRP$1.45+9.29%.svg)
Buy LTCLitecoin$51.32+3.79%.svg)
Buy DOGEDogecoin$0.0893+10.13%.svg)
Buy TRXTRON$0.3317+2.53%.svg)
Buy ADACardano$0.2216+13.69%.svg)
Buy AVAXAvalanche$7.51+5.35%.svg)
Buy DOTPolkadot$0.8891+4.57%.svg)
Buy LINKChainlink$11.73+6.23%.svg)
Buy BCHBitcoin Cash$257.53+6.56%.svg)
Buy XLMStellar$0.1874+8.57%.svg)
Buy SHIBShiba Inu$0.000005+4.71%.svg)
Buy TONToncoin$1.36+2.83%.svg)
Buy SUISui$0.7897+9.79%
Quick answer
What is the best alternative to Paybis?
For customers in the United States, Anytime Capital: a FinCEN-registered U.S. money services business with card pricing from 4%, 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 full exchanges with more coins and lower trading fees but 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
What a card purchase actually costs
Published fee percentages on a debit or credit card order
- Anytime Capital
- Paybis
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% and is shown in full before you pay. Both exclude blockchain network fees. Figures as of September 2026; check each platform's checkout for your exact quote.
Why people look for a Paybis alternative
The most common reason is cost. A 1.49% service fee sounds cheap until the 4.5% to 8.5% processing fee joins it. The second is the decline: a U.S. bank blocks the card and Paybis has no other domestic rail to fall back on. The third is geography, both the states Paybis excludes and the plain fact that its support is 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: the U.S. alternative with a front door
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 an American actually pays. 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.
A front door, not a chat window
Paybis is built to live inside other people’s apps. We are built to be visited. Bring cash, bring questions, or bring a problem another platform could not solve.
- Atlanta branch
- 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324
- Hours
- Mon–Fri 10am–5pm · Sat 10am–2pm
- Phone
- (470) 748-2530
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The other alternatives, honestly
MoonPay and Topper are the nearest like-for-like replacements: card-first on-ramps embedded in wallets, with fees in the same neighbourhood as Paybis and the same absence of cash, wire or a phone line. Coinbase and Kraken are full exchanges. They list far more coins, charge less per trade once you are funded, and Coinbase in particular has a large U.S. footprint, 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 your priority is coin selection, go to an exchange. If your priority is paying the way you want and reaching a person when it matters, that is us.
- MoonPay: same widget model, card fees around 4.5%, no cash or phone
- Topper: Uphold's on-ramp widget; fees vary by method and region
- Coinbase: full U.S. exchange, many coins, spread plus fee, no cash
- Kraken: pro-grade exchange, low trading fees, excludes New York and Washington
- Binance.US: separate U.S. entity, low trading fees, limited state coverage
How to switch in ten minutes
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.
Leaving Paybis? Your wallet address works here too.
Verify once with your ID and a selfie, pick a coin, choose any of nine ways to pay, and paste the same address you already use. Card and Apple Pay orders confirm in minutes; wires settle the same business day.
- Non-custodial wallet, or your own address
- FDIC-insured cash account with a free debit card
- (470) 748-2530 during business hours
- Walk-in branch in Atlanta, office in Miami
Side by side
Paybis vs Anytime Capital, row by row
A green check marks the platform with the edge on that row. Anytime Capital leads on 7 of 14.
Card purchase fee
- Paybis
- 1.49% service fee plus 4.5–8.5% card processing; first purchase of each asset waives the service fee
- Anytime
- From 4%, quoted in full before you confirm
Bank transfer fee
- Paybis
- 0.99% service fee plus about 0.05% processing
- Anytime
- ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash
- Paybis
- Not offered
- Anytime
- Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Wire transfers
- Paybis
- SWIFT for some regions; not the primary U.S. rail
- Anytime
- Domestic wire for large orders, same-day settlement on business days
Apple Pay & Google Pay
- Paybis
- Yes
- Anytime
- Yes
Talk to a human
- Paybis
- Online chat and support tickets
- Anytime
- Phone (470) 748-2530, email, and two walk-in offices
Physical locations
- Paybis
- None; online only
- Anytime
- Atlanta branch and Miami office
Coins supported
- Paybis
- 90+ cryptocurrencies
- Anytime
- 40+ major coins and stablecoins with dedicated buy and sell pages
Countries served
- Paybis
- 180+ countries
- Anytime
- United States, with in-person service in Georgia and Florida
New York residents
- Paybis
- Not served
- Anytime
- Subject to identity verification and state eligibility
Bank account & debit card
- Paybis
- No
- Anytime
- FDIC-insured cash account with a free virtual debit card
Large orders
- Paybis
- Self-serve limits by verification tier
- Anytime
- Dedicated OTC desk with a named contact
Crypto delivered to
- Paybis
- Your own wallet address, or the Paybis Wallet
- Anytime
- Your own wallet address, or the free Anytime Capital wallet
Regulation
- Paybis
- FinCEN-registered MSB (31000272911973); also registered in Canada and Poland
- Anytime
- U.S.-based, FinCEN-registered money services business
Ways to pay
9 ways to pay here. 5 at Paybis.
The rails Paybis has, it runs well. The ones it does not have are the ones a U.S. 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- ACH bank transferLower cost, settles in business daysYesYes
- Domestic wireSame-day for larger ordersLimitedYes
Cash AppPay from your Cash App balanceNoYes- Cash in personAtlanta branch, counted at the counterNoYes
- Cash by mailFrom anywhere in the U.S.NoYes
Coins
Every major coin, one checkout
Paybis lists 90+ assets; most of the volume 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 BTC
- EthereumBuy ETH
- TetherBuy USDT
- USD CoinBuy USDC
- SolanaBuy SOL
- XRPBuy XRP
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BNBBuy BNB- DogecoinBuy DOGE
- TRONBuy TRX
- CardanoBuy ADA
- LitecoinBuy LTC
- ChainlinkBuy LINK
- AvalancheBuy AVAX
- PolkadotBuy DOT
- ToncoinBuy TON
- SuiBuy SUI
- Shiba InuBuy SHIB
- StellarBuy XLM
- Bitcoin CashBuy BCH
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PolygonBuy POL.svg)
UniswapBuy UNI.svg)
NEARBuy NEAR.svg)
HederaBuy HBAR.svg)
AptosBuy APT.svg)
ArbitrumBuy ARB.svg)
OptimismBuy OP.svg)
CosmosBuy ATOM.svg)
FilecoinBuy FIL.svg)
Ethereum ClassicBuy ETC.svg)
AaveBuy AAVE.svg)
InjectiveBuy INJ.svg)
BittensorBuy TAO.svg)
RenderBuy RENDER.svg)
SeiBuy SEI.svg)
StacksBuy STX.svg)
ImmutableBuy IMX
How it works
Three steps from Paybis to here
- 1
Verify once
Government ID and a selfie, online in minutes. Stuck? Call the branch or come in and finish it in person.
- 2
Pay your way
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.
- 3
Receive and keep going
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.
Ready to leave Paybis behind?
Anytime Capital is a U.S. money services business with a branch in Atlanta, an office in Miami, and card pricing from 4%. Verification takes minutes, nine payment methods are live, and (470) 748-2530 reaches a person during business hours.
- Wire transfer
- Cash in person
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
The best Paybis alternative for U.S. buyers: FAQ
More on Paybis
Other questions people ask before switching
Keep exploring
Important Disclosures
- Information about Paybis is based on publicly available pricing policies, terms of service and independent reviews as of September 2026. Fees, availability and features change; confirm the exact quote in each platform's checkout before you pay.
- Anytime Capital pricing shown as "from" reflects the lowest published rate; your quote depends on payment method, order size and verification and is displayed in full before you confirm.
- Anytime Capital, Paybis and the other companies named are independent. This page is not endorsed by or affiliated with any of them. Third-party names and logos are used only to identify the platforms being compared and remain the property of their owners.
- This comparison is for information only and is not financial, investment, tax or legal advice.
- Cryptocurrency is not FDIC insured, is not a bank deposit and may lose value. The FDIC-insured cash account refers to U.S. dollar balances held at a partner bank; digital assets are not covered.