Three-way comparison
Our pickBitPay 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 fee difference is mostly 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
- Anytime Capital: from 4% on cards, cash and wire, a U.S. phone line
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
.svg)
Buy BTCBitcoin$80,983+5.05%.svg)
Buy ETHEthereum$2,494+4.90%.svg)
Buy USDTTether$0.9999+0.03%.svg)
Buy USDCUSD Coin$0.9999+0.01%.svg)
Buy SOLSolana$104.67+6.23%.svg)
Buy XRPXRP$1.45+9.29%.svg)
Buy LTCLitecoin$51.32+3.79%.svg)
Buy DOGEDogecoin$0.0893+10.13%.svg)
Buy TRXTRON$0.3317+2.53%.svg)
Buy ADACardano$0.2216+13.69%.svg)
Buy AVAXAvalanche$7.51+5.35%.svg)
Buy DOTPolkadot$0.8891+4.57%.svg)
Buy LINKChainlink$11.73+6.23%.svg)
Buy BCHBitcoin Cash$257.53+6.56%.svg)
Buy XLMStellar$0.1874+8.57%.svg)
Buy SHIBShiba Inu$0.000005+4.71%.svg)
Buy TONToncoin$1.36+2.83%.svg)
Buy SUISui$0.7897+9.79%
Quick answer
Is BitPay or Paybis better for buying crypto?
For buying, Paybis is the more direct route: you pay its published 5.99–9.99% card rate and the coins go to any wallet. BitPay's strength is spending and accepting crypto; its buy button routes to third-party providers whose fees are widely reported at 3.5–5% plus network costs, and whose support you inherit. Anytime Capital undercuts both on card pricing from 4%, and adds cash, wire, an OTC desk and a phone number for U.S. customers.
4%
Anytime Capital card pricing from
Anytime Capital
5.99–9.99%
Paybis card fee, all-in
Compared platform
3.5–5%
BitPay partner buy fees, as reported
Compared platform
9
ways to pay at Anytime Capital
Anytime Capital
Card fees: Paybis vs BitPay vs Anytime Capital
Published fee percentages on a debit or credit card order
- Anytime Capital
- Paybis
- BitPay
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. BitPay figure is its published or widely reported card rate and may vary by method, region and order size.
What BitPay is for
BitPay has processed crypto payments for merchants since 2011 and is one of the most established names in the industry. On the consumer side it offers a self-custody wallet, a prepaid card, and bill pay in crypto. Buying crypto inside BitPay is a convenience feature, not its core: the app calls out to partners such as Simplex, MoonPay, Banxa, Ramp or Transak, each with its own fee, verification and support.
Paybis is the layer BitPay borrows
Paybis is a direct on-ramp of the same category as those partners. You verify once with Paybis, pay its published schedule, and the coins arrive at whichever wallet you name, BitPay's included. For a straightforward purchase that removes a layer, and it is why Paybis usually ends up cheaper than a partner buy inside a wallet app.
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
.jpg&w=3840&q=75)
.jpg&w=3840&q=75)
Buy, hold, sell and spend in one U.S. company
Anytime Capital covers the whole loop without a partner in the middle: card orders from 4%, cash in Atlanta or by mail, same-day wire through the OTC desk, a non-custodial wallet, and an FDIC-insured cash account with a free virtual debit card for spending what you sell. And when something needs a person, (470) 748-2530 answers.
Leaving Paybis or BitPay? 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 BitPay vs Anytime Capital
A green check marks the platform with the edge on that row. Anytime Capital leads on 7 of 14.
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%, quoted in full before you confirm
Bank transfer fee
- Paybis
- 0.99% service fee plus about 0.05% processing
- BitPay
- Partner-dependent
- Anytime
- ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash
- Paybis
- Not offered
- BitPay
- 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
- BitPay
- Not offered
- Anytime
- Domestic wire for large orders, same-day settlement on business days
Apple Pay & Google Pay
- Paybis
- Yes
- BitPay
- Via partners
- Anytime
- Yes
Talk to a human
- Paybis
- Online chat and support tickets
- BitPay
- Support tickets
- Anytime
- Phone (470) 748-2530, email, and two walk-in offices
Physical locations
- Paybis
- None; online only
- BitPay
- None
- Anytime
- Atlanta branch and Miami office
Coins supported
- Paybis
- 90+ cryptocurrencies
- BitPay
- Major assets for wallet and payments
- Anytime
- 40+ major coins and stablecoins with dedicated buy and sell pages
Countries served
- Paybis
- 180+ countries
- BitPay
- Global wallet; buying depends on partner
- Anytime
- United States, with in-person service in Georgia and Florida
New York residents
- Paybis
- Not served
- BitPay
- Wallet works; buying depends on partner
- Anytime
- Subject to identity verification and state eligibility
Bank account & debit card
- Paybis
- No
- BitPay
- Prepaid BitPay Card; no FDIC cash account
- Anytime
- FDIC-insured cash account with a free virtual debit card
Large orders
- Paybis
- Self-serve limits by verification tier
- BitPay
- Partner limits
- Anytime
- Dedicated OTC desk with a named contact
Crypto delivered to
- Paybis
- Your own wallet address, or the Paybis Wallet
- BitPay
- Your BitPay self-custody wallet
- Anytime
- Your own wallet address, or the free Anytime Capital wallet
Regulation
- Paybis
- FinCEN-registered MSB (31000272911973); also registered in Canada and Poland
- BitPay
- U.S. money transmitter licences
- Anytime
- U.S.-based, FinCEN-registered money services business
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
.svg)
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
.svg)
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 and BitPay 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
Paybis vs BitPay FAQ
More on Paybis
Other questions people ask before switching
Keep exploring
Important Disclosures
- Information about Paybis and BitPay 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, BitPay 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.