Does BitPay use Paybis?

BitPay's in-app purchases route through partners including Simplex, MoonPay, Banxa, Ramp and Transak. You can also buy on Paybis directly and send to your BitPay wallet address.

How are BitPay buy fees set?

A partner on-ramp handles the purchase and BitPay's app sits on top, so you pay the partner's fee, reported at 3.5–5% before network costs. Going to an on-ramp directly, or to Anytime Capital, removes that layer.

Yes. BitPay is a long-established, licensed U.S. company and its wallet is self-custody. The purchase experience and support depend on the partner it routes you to.

Can I spend crypto with Anytime Capital like the BitPay Card?

Yes. Sell to your FDIC-insured cash account and spend with the free virtual debit card, in the same app where you bought.

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.

Three-way comparison

Our pick

BitPay vs Paybis: a payments app against a direct on-ramp

BitPay is best known for letting merchants accept crypto, with a wallet and a card on the consumer side. When you buy inside BitPay you are handed to a partner such as Simplex, MoonPay, Banxa, Ramp or Transak. Paybis is the partner-type company itself. The main difference is that middle step.

BitPay: merchant processor plus wallet; buys via third-party on-ramps at 3.5–5% plus network costs
Paybis: direct on-ramp, 5.99–9.99% all-in on cards

Paybis vs BitPay vs Anytime Capital

A green check marks the platform with the edge on that row. Anytime Capital leads on 8 of 13.

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	3.5–5% via partner on-ramps, plus network costs	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	Partner-dependent	ACH, plus same-day domestic wire for larger orders through the OTC desk, quoted as one all-in number
Pay with cash	Not offered	Not offered	Cash at the Atlanta branch, or cash by mail
Wire transfers	SWIFT for some regions; not the primary U.S. rail	Not offered	Domestic wire for large orders, same-day settlement on business days
Apple Pay & Google Pay	Yes	Via partners	Yes
Talk to a human	Online chat and support tickets	Support tickets	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None; online only	None	Atlanta branch and Miami office
Countries served	180+ countries	Global wallet; buying depends on partner	Customers worldwide, with walk-in offices in Atlanta and Miami
New York residents	Not served	Wallet works; buying depends on partner	Subject to identity verification and state eligibility
Bank account & debit card	No	Prepaid BitPay Card; no FDIC cash account	FDIC-insured cash account with a free virtual debit card
Large orders	Self-serve limits by verification tier	Partner limits	Dedicated OTC desk with a named contact
Crypto delivered to	Your own wallet address, or the Paybis Wallet	Your BitPay self-custody wallet	Your own wallet address, or the free Anytime Capital wallet
Regulation	FinCEN-registered MSB (31000272911973); also registered in Canada and Poland	U.S. money transmitter licences	U.S.-based, FinCEN-registered money services business

Card purchase fee

Paybis: 1.49% service fee plus 4.5–8.5% card processing; first purchase of each asset waives the service fee
BitPay: 3.5–5% via partner on-ramps, plus network costs
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
BitPay: Partner-dependent
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
BitPay: Not offered
Anytime

BitPay vs Paybis: a payments app against a direct on-ramp

Is BitPay or Paybis better for buying crypto?

Card fees: Paybis vs BitPay vs Anytime Capital

What BitPay is for

Paybis is the layer BitPay borrows

A front door, not a chat window

Buy, hold, sell and spend in one company

Leaving Paybis or BitPay? Your wallet address works here too.

Paybis vs BitPay vs Anytime Capital

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 and BitPay behind?

Paybis vs BitPay FAQ

Other questions people ask before switching

Keep exploring

Important Disclosures

BitPay vs Paybis: a payments app against a direct on-ramp

Is BitPay or Paybis better for buying crypto?

Card fees: Paybis vs BitPay vs Anytime Capital

What BitPay is for

Paybis is the layer BitPay borrows

A front door, not a chat window

Buy, hold, sell and spend in one company

Leaving Paybis or BitPay? Your wallet address works here too.

Paybis vs BitPay vs Anytime Capital

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 and BitPay behind?

Paybis vs BitPay FAQ

Does BitPay use Paybis?

How are BitPay buy fees set?

Is BitPay safe?

Can I spend crypto with Anytime Capital like the BitPay Card?

Can I switch from Paybis to Anytime Capital without moving my crypto?

Does Anytime Capital charge more than Paybis?

Is Anytime Capital regulated?

Other questions people ask before switching

Keep exploring

Important Disclosures