Does Paybis have hidden fees?

Not hidden, but layered. The 1.49% service fee is what gets quoted; the 4.5% to 8.5% card processing fee is the part people miss. Both are shown on the confirmation screen before you pay.

Is the Paybis first-purchase 0% fee really free?

The service fee is waived on your first purchase of each asset. The card processing fee and the network fee still apply, so it is a discount on one line, not a free order.

How does Paybis price a bank transfer order?

Paybis charges 0.99% plus about 0.05% on bank transfers, with no card processing line because no card is involved. It is also the slowest rail, because the order completes when the transfer settles.

How do Anytime Capital fees compare on a $1,000 card order?

From $40 at Anytime Capital, with the spread included, against roughly $60 to $100 at Paybis, before network fees.

Does either platform charge to sell crypto?

Both charge on sells as well as buys, and both show it before you confirm. Anytime Capital pays out to a bank account, a debit card or, in Atlanta, in cash; Paybis pays out to a card or bank account.

Can I switch from Paybis to Anytime Capital without moving my crypto?

Yes. Both platforms send purchased crypto to a wallet address you control, so nothing needs to move. Create an Anytime Capital account, verify your identity once, and paste the same wallet address at checkout. Your existing coins stay exactly where they are.

Does Anytime Capital charge more than Paybis?

No. Paybis publishes a 1.49% service fee plus a 4.5% to 8.5% card processing fee, which lands between roughly 5.99% and 9.99% all-in on a card order. 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. ACH and wire orders are quoted the same way, as one all-in number, whatever the size.

Is Anytime Capital regulated?

Anytime Capital is a U.S.-based money services business registered with FinCEN, serving customers worldwide, with a physical branch in Atlanta and an office in Miami. Identity verification is required before you can transact, the same as at Paybis and every other compliant platform.

Fees

Our pick

Paybis fees, explained line by line

Paybis is unusually clear about its fee schedule, which is exactly why the total surprises people: the two card fees stack. Here is every line, what it adds up to, and what the same order costs at Anytime Capital.

Card: 1.49% service fee + 4.5–8.5% processing
Bank transfer: 0.99% + about 0.05%
Anytime Capital cards from 4% with the spread included, shown before you pay

Paybis vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 8 of 16.

Category		Our pick
Card purchase fee	1.49% service fee plus 4.5–8.5% card processing; first purchase of each asset waives the service fee	From 4% with the spread included; the amount you pay and the crypto you receive are shown before you confirm
Bank transfer fee	Bank transfer supported; the order completes when the transfer settles, in business days	ACH, plus same-day domestic wire for larger orders through the OTC desk, quoted as one all-in number
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail
Wire transfers	SWIFT for some regions; not the primary U.S. rail	Domestic wire for large orders, same-day settlement on business days
Apple Pay & Google Pay	Yes	Yes
Talk to a human	Online chat and support tickets	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None; online only	Atlanta branch and Miami office
Countries served	180+ countries	Customers worldwide, with walk-in offices in Atlanta and Miami
New York residents	Not served	Subject to identity verification and state eligibility
Bank account & debit card	No	FDIC-insured cash account with a free virtual debit card
Large orders	Self-serve limits by verification tier	Dedicated OTC desk with a named contact
Crypto delivered to	Your own wallet address, or the Paybis Wallet	Your own wallet address, or the free Anytime Capital wallet
Regulation	FinCEN-registered MSB (31000272911973); also registered in Canada and Poland	U.S.-based, FinCEN-registered money services business
Minimum fee	$2 service fee floor	Minimums vary by method; confirmed before you pay
First purchase promotion	0% service fee on the first purchase of each asset; processing fee still applies	Same transparent pricing from your first order
Fee display at checkout	Service, processing and network fees itemised	One total and one amount received, plus the network fee

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% with the spread included; the amount you pay and the crypto you receive are shown before you confirm

Bank transfer fee

Paybis: Bank transfer supported; the order completes when the transfer settles, in business days
Anytime: ACH, plus same-day domestic wire for larger orders through the OTC desk, quoted as one all-in number

Pay with cash

Paybis: Not offered
Anytime: Cash at the Atlanta branch, or cash by mail

Wire transfers

Paybis fees, explained line by line

How much does Paybis charge?

All-in fee on a $1,000 card order

The two fees Paybis charges on a card order

Bank transfers on Paybis

A front door, not a chat window

Network fees, spread, and what "no hidden fees" means

The rails Paybis does not have, and what they cost

Leaving Paybis? Your wallet address works here too.

Paybis vs Anytime Capital, row by row

9 ways to pay here. 5 at Paybis.

Every major coin, one checkout

Three steps from Paybis to here

Verify once

Pay your way

Receive and keep going

Ready to leave Paybis behind?

Paybis fees, explained line by line: FAQ

Other questions people ask before switching

Compare other card on-ramps

Keep exploring

Important Disclosures