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; settlement takes business days. Anytime Capital supports ACH and same-day domestic wires.

Does Anytime Capital serve customers outside Georgia and Florida?

Yes. Anytime Capital serves customers worldwide. Online orders by card, Apple Pay, Google Pay, ACH and wire work wherever you are, subject to verification and eligibility, and cash by mail works across the United States. 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?

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.

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 the United States from a distance, and it turns away New York outright. Anytime Capital is a U.S.-registered company with people on the ground in Atlanta and Miami, and it serves customers wherever they are.

Paybis: 48 states, excluding New York, Louisiana, Hawaii
Anytime Capital: Atlanta branch, Miami office, U.S. phone line
Cash, ACH and same-day domestic wire on top of card, Apple Pay and Google Pay

Paybis vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 11 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	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% 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

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

Can I use Paybis in the United States?

What a card purchase actually costs

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

What "available in the USA" leaves out

A front door, not a chat window

New York and other excluded states

U.S. payment rails compared

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?

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

Other questions people ask before switching

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Important Disclosures