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

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Updated September 2026. Paybis figures from its published pricing, terms and independent reviews.

FinCEN-registered U.S. money services business
Atlanta branch · Miami office
8,000+ completed trades
FDIC-insured cash account

Quick answer

How much does Paybis charge?

Paybis charges a service fee of 1.49% on card, Apple Pay and Google Pay orders (0% on your first purchase of each asset), plus a separate card processing fee of 4.5% to 8.5% depending on currency, with a $2 minimum. Bank transfers cost 0.99% plus roughly 0.05% processing. Blockchain network fees are added on top. A typical U.S. card order therefore costs about 5.99% to 9.99%, versus from 4% with the spread included at Anytime Capital.

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1.49%
Paybis service fee on cards
Compared platform
4.5–8.5%
Paybis card processing fee
Compared platform
4%
Anytime Capital card pricing from
Anytime Capital
$0
surprise fees at checkout
Anytime Capital

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

Dollars kept back by fees before the network charge

Anytime Capital
Paybis

Paybis: 1.49% service fee plus 4.5–8.5% card processing on a returning customer's order. Anytime Capital: from 4% with the spread included. Network fees excluded on both. Published schedules as of September 2026.

The two fees Paybis charges on a card order

The first line is the service fee. Paybis waives it on your first purchase of each cryptocurrency, then charges 1.49% on every card, Apple Pay or Google Pay order after that, with a $2 floor so that tiny orders still cover its costs.

The second line is the card processing fee, which Paybis passes through from its payment processors. Paybis publishes it as 4.5% to 8.5% depending on the currency you pay in, on orders over $50. This is the fee most people miss when they read "from 1.49%" on a review site.

Added together, a returning U.S. customer paying by debit card is looking at roughly 5.99% to 9.99% before the blockchain network fee. On $500 of Bitcoin that is $30 to $50; on $2,000 it is $120 to $200.

Bank transfers on Paybis

Paybis charges 0.99% plus about 0.05% on bank transfer orders, with no card processing line because no card is involved. The trade-off is time: ACH settles in business days, not minutes, and the price you get is the price when the money lands. It suits a fixed monthly purchase where you never need the coins the same day.

Anytime Capital quotes ACH and wire orders as one all-in number with the spread included, confirmed before you pay, and wires settle the same business day through the OTC desk, so a larger order does not wait days for the money to land. Ask for a quote; you will get a person, not a table.

A front door, not a chat window

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.

Atlanta branch: 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324
Hours: Mon–Fri 10am–5pm · Sat 10am–2pm
Phone: (470) 748-2530

Anytime Capital branch storefront on Piedmont Road in Atlanta — Atlanta branch, Piedmont Road NE

One Biscayne Tower in Miami, home of the Anytime Capital Miami office — Miami office, One Biscayne Tower

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

Both platforms add the blockchain network fee to send your coins, and both show it before you confirm. Paybis states that it does not embed a spread in the quoted price and itemises its fees instead. Anytime Capital folds the spread into its one all-in number, from 4%, so the crypto amount on the confirmation screen is the amount that arrives.

Where the two differ is in what the screen shows. Paybis shows service fee, processing fee and network fee as three lines, which is honest but easy to skim. Anytime Capital shows one number for what you pay and one for what you receive. If you want to compare, screenshot both checkouts on the same $1,000 order and look at the second number.

The rails Paybis does not have, and what they cost

There is no cash rail on Paybis at any price, and no domestic wire desk. At Anytime Capital, cash in the Atlanta branch and cash by mail are priced like any other order, and wires for larger amounts are handled by the OTC desk with a locked quote. For a customer moving real size, that means one all-in number and a named contact from quote to settlement.

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 any wallet address you control. Card and Apple Pay orders confirm in minutes; wires settle the same business day.

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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 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
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
Countries served
Paybis
180+ countries
Anytime
Customers worldwide, with walk-in offices in Atlanta and Miami
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
Minimum fee
Paybis
$2 service fee floor
Anytime
Minimums vary by method; confirmed before you pay
First purchase promotion
Paybis
0% service fee on the first purchase of each asset; processing fee still applies
Anytime
Same transparent pricing from your first order
Fee display at checkout
Paybis
Service, processing and network fees itemised
Anytime
One total and one amount received, plus the network fee

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 customer reaches for when a card is declined, an amount is large, or the money is in cash.

MethodPaybisAnytime Capital

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

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.

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.

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Ready to leave Paybis behind?

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.

Wire transfer
Cash in person

Buy with Apple Pay from 4%See fees & limits

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