Trust & safety
Our pickIs Paybis legit? Yes. Here is what that does and does not mean
Paybis is a real, registered, twelve-year-old company. The useful question is not whether it is a scam but what happens on the day something goes wrong, and that is where an online-only on-ramp and a U.S. company with a front door part ways.
- Registered with FinCEN as MSB 31000272911973
- 30,000+ public reviews, around 4.1 / 5
- Anytime Capital: a U.S. company you can call or visit
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$80,975+5.01%.svg)
Buy ETHEthereum$2,495+4.86%.svg)
Buy USDTTether$0.9999+0.03%.svg)
Buy USDCUSD Coin$0.9999+0.01%.svg)
Buy SOLSolana$104.73+6.32%.svg)
Buy XRPXRP$1.45+9.26%.svg)
Buy LTCLitecoin$51.36+3.79%.svg)
Buy DOGEDogecoin$0.0895+10.08%.svg)
Buy TRXTRON$0.3317+2.52%.svg)
Buy ADACardano$0.2217+13.58%.svg)
Buy AVAXAvalanche$7.51+5.33%.svg)
Buy DOTPolkadot$0.8895+4.51%.svg)
Buy LINKChainlink$11.73+6.10%.svg)
Buy BCHBitcoin Cash$257.61+6.41%.svg)
Buy XLMStellar$0.1873+8.65%.svg)
Buy SHIBShiba Inu$0.000005+4.67%.svg)
Buy TONToncoin$1.36+2.77%.svg)
Buy SUISui$0.7897+9.61%
Quick answer
Is Paybis legit and safe to use?
Yes. Paybis has operated since 2014, is registered with FinCEN in the United States as a money services business, holds registrations in Canada and Poland, and has 30,000+ public Trustpilot reviews averaging about 4.1 / 5. It delivers crypto to a wallet you control, so it never holds your coins unless you opt into its wallet. It is safe in the sense that matters: it is not a scam. What it does not offer is a phone number or a place to walk into, which is why many U.S. customers prefer Anytime Capital when something needs a human.
2014
the year Paybis was founded
Compared platform
4.1 / 5
Paybis Trustpilot average
Compared platform
2
Anytime Capital walk-in offices
Anytime Capital
8,000+
completed Anytime Capital trades
Anytime Capital
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.
The checklist: does Paybis pass?
Before you trust any crypto on-ramp with your card, five things should be true. It should be registered with a financial regulator where you live. It should have a long public track record. It should verify identity, because the platforms that skip KYC are the ones that vanish. It should send coins to a wallet you control rather than holding them. And it should have thousands of reviews you can read yourself.
Paybis passes all five. It is registered with FinCEN as a money services business under number 31000272911973 and is also registered in Canada and Poland. It has been in business since 2014. It runs full KYC with ID and selfie. It sends purchased crypto to your own wallet address by default. And its Trustpilot profile carries 30,000+ reviews at roughly 4.1 / 5.
- Registered with FinCEN (U.S.), FINTRAC (Canada) and the Polish register
- Operating since 2014, headquartered in Warsaw, Poland
- Identity verification required on every account
- Crypto delivered to your own wallet; optional Paybis Wallet
- 30,000+ public reviews averaging 4.1 / 5
What "safe" looks like when a trade goes sideways
Read the one-star Paybis reviews and a pattern appears. Nobody lost their coins to a hack. What they describe is friction: a card declined after verification, an account placed in review with a request for more documents, an order that sat pending over a weekend. These are compliance events, not fraud, and every regulated platform has them. The difference is what you can do about it.
On Paybis you open a chat or a ticket and wait. At Anytime Capital you call (470) 748-2530 and speak to someone who can see the order, or you walk into the Atlanta branch at 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324 and resolve it in person. For a first-time buyer, or for anyone moving an amount that matters, that is the definition of safe.
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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Why Reddit threads about Paybis are so mixed
Search "is paybis legit reddit" and you will find both glowing and furious threads, often about the same features. The praise is for speed: card orders that arrive in minutes. The anger is about declines and reviews, which feel arbitrary to the customer even when they are the platform doing exactly what its regulators require.
The honest reading is that Paybis is legitimate and its process is opaque. If you want the same regulatory standards with a process you can talk to, that is the gap Anytime Capital was built to fill: the same identity checks, explained by a person, with cash and wire options when a card is the problem.
How to protect yourself on any platform
Use the real website address and never a link from a message. Turn on two-factor authentication. Send your first purchase to a wallet you already control and confirm it arrives before buying more. Keep a screenshot of the confirmation screen with the fees. And if anyone contacts you claiming to be from Paybis, Anytime Capital or any exchange and asks you to move money, hang up and call the number on the company's own site.
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 8 of 17.
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
Years in operation
- Paybis
- Since 2014
- Anytime
- 8,000+ completed, counterparty-rated trades
Way to escalate a problem
- Paybis
- Support ticket or chat
- Anytime
- Phone, email, or in person at the Atlanta branch
Custody of your coins
- Paybis
- Non-custodial by default
- Anytime
- Non-custodial wallet; you hold the keys
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
Is Paybis legit? Yes. Here is what that does and does not mean: 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.