Is Paybis available in New York?

No. Paybis excludes New York residents. Anytime Capital confirms eligibility state by state during verification; call the Atlanta branch to check before you start.

Which U.S. states does Paybis not support?

Paybis publishes New York as excluded, and 2026 reviews also list Louisiana and Hawaii, leaving 48 states served. Check the state list in checkout, since this can change.

Is Paybis a U.S. company?

No. Paybis is headquartered in Warsaw, Poland and serves U.S. customers under a FinCEN money services business registration. Anytime Capital is a U.S. company based in Atlanta.

Can Americans use bank transfer on Paybis?

Yes, Paybis supports U.S. bank transfers at its lower bank rate; settlement takes business days. Anytime Capital supports ACH and same-day domestic wires.

Does Anytime Capital serve customers outside Georgia and Florida?

Yes. Online orders, cash by mail, ACH and wire work from anywhere in the United States, subject to verification and state eligibility. The branches are for customers who want to pay in cash or sit down with someone.

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.

United States

Our pick

Is Paybis available in the USA? In 48 states, with a catch

Paybis is registered with FinCEN and takes U.S. cards, but it is a European company serving Americans from a distance, and it turns away New York outright. Anytime Capital is the U.S. company on the ground.

Paybis: 48 states, excluding New York, Louisiana, Hawaii
Anytime Capital: Atlanta branch, Miami office, U.S. phone line
Cash, ACH and domestic wire, the rails Americans actually use

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

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

Can I use Paybis in the United States?

Yes, in 48 states. Paybis is registered with FinCEN as a money services business and accepts U.S. cards, Apple Pay and Google Pay. It does not serve residents of New York, and independent reviews also list Louisiana and Hawaii as excluded. If you want a platform that is actually based in the U.S., with a phone number, a walk-in branch in Atlanta and cash and wire options, Anytime Capital is the domestic alternative.

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48
U.S. states served by Paybis
Compared platform
0
Paybis offices in the United States
Compared platform
2
Anytime Capital U.S. locations
Anytime Capital
Same day
domestic wire settlement at Anytime Capital
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.

Where Paybis works in the U.S., and where it does not

Paybis's U.S. terms of service register it with FinCEN as a money transmitter and open it to residents of 48 states. The published exclusion is New York, whose BitLicense regime keeps out most non-New York crypto firms. Reviewers covering the platform in 2026 also list Louisiana and Hawaii as unavailable. Availability can change, so check the state list inside Paybis's checkout before you rely on it.

For everyone else, Paybis works the way it does everywhere: verify your identity, pay by card, Apple Pay, Google Pay or bank transfer, and receive the coins at your wallet address. Prices are quoted in dollars.

What "available in the USA" leaves out

Availability is not the same as presence. Paybis has no U.S. office you can visit, no U.S. phone line, and no cash rail. Its support team works from Europe. None of that stops a purchase from going through, but it matters the moment an American customer needs an American answer: a bank that blocked the card, a wire that needs to go out today, a cash payment from a business that operates in cash.

Anytime Capital is headquartered in Atlanta, Georgia. The Atlanta branch at 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324 is open Mon–Fri 10am–5pm · Sat 10am–2pm. There is a Miami office in One Biscayne Tower. The phone number, (470) 748-2530, reaches a person in the United States during business hours. Domestic wires settle the same business day.

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

New York and other excluded states

If you live in New York, Paybis is not an option at all. Anytime Capital's availability depends on identity verification and state eligibility rather than a fixed exclusion list, and the quickest way to find out for your state is to start an order or call the branch. If we cannot serve you, we will say so up front rather than after you have uploaded documents.

U.S. payment rails compared

American customers pay in ways a global widget struggles with. Paybis covers cards and the two mobile wallets well. Anytime Capital adds ACH, domestic wire, Cash App, cash in branch and cash by mail, and publishes a bank-by-bank guide to which U.S. issuers allow crypto purchases, so you know before you tap whether Chase or Capital One will decline.

Apple Pay
Google Pay
Debit card
Credit card
ACH bank transfer
Wire transfer
Cash App
Cash in branch
Cash by mail

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 10 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	Eligibility confirmed during verification; call to check
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
Company location	Warsaw, Poland; no U.S. office	Atlanta, Georgia, with a Miami office
U.S. phone support	No	(470) 748-2530
Bank policy guidance	General help articles	Per-bank crypto purchase guides for 130+ U.S. banks

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
Eligibility confirmed during verification; call to check
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
Company location
Paybis
Warsaw, Poland; no U.S. office
Anytime
Atlanta, Georgia, with a Miami office
U.S. phone support
Paybis
No
Anytime
(470) 748-2530
Bank policy guidance
Paybis
General help articles
Anytime
Per-bank crypto purchase guides for 130+ U.S. banks

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