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 the order is cheaper, not free.

What is the cheapest way to buy crypto on Paybis?

Bank transfer, at 0.99% plus about 0.05%. It is also the slowest, 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 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?

Not for card orders. 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. Anytime Capital pricing starts from 4% and the full amount is shown before you confirm. Paybis's bank transfer rate is lower on paper, so if you are happy waiting several business days for ACH, compare that rail specifically.

Is Anytime Capital regulated?

Anytime Capital is a U.S.-based money services business registered with FinCEN, 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%, shown in full before you pay

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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

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% at Anytime Capital.

Buy crypto now Call (470) 748-2530 Get an OTC quote

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%. 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 are Paybis's cheapest rail

Paybis charges 0.99% plus about 0.05% on bank transfer orders, which is a genuinely low rate. The trade-off is time: ACH settles in business days, not minutes, and the price you get is the price when the money lands. If you are dollar-cost averaging a fixed amount every month and never need the coins the same day, this rail is worth a look.

Anytime Capital prices ACH and wire per order rather than publishing one rate, because the right answer for a $300 ACH and a $75,000 wire is not the same number. Ask for a quote; you will get a person, not a table.

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

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, which is a fair claim and one we match: 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, the fee on a wire is a fraction of what any card rail charges, at Paybis or anywhere else.

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.

Start an order Open a free account

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 17.

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%, quoted in full before you confirm
Bank transfer fee	0.99% service fee plus about 0.05% processing	ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
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
Coins supported	90+ cryptocurrencies	40+ major coins and stablecoins with dedicated buy and sell pages
Countries served	180+ countries	United States, with in-person service in Georgia and Florida
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%, 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
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 U.S. 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

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.

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.

Buy crypto now Call (470) 748-2530 Get an OTC quote

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

Buy crypto now 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