How do Paybis and Coinbase price a card purchase?

Coinbase adds a spread and a card fee that steps with order size. Paybis stacks two flat percentages to 5.99–9.99%. On a small card order they land in a similar range. Anytime Capital shows one all-in number from 4% with the spread included, and routes larger orders through same-day wire on the OTC desk.

Does Coinbase send crypto to my own wallet like Paybis?

You can withdraw to your own wallet, but by default Coinbase holds your coins in your account. Paybis and Anytime Capital deliver to a wallet you control.

Which is better for a beginner, Paybis or Coinbase?

Coinbase's app is the most polished starting point for learning an exchange interface. Paybis is simpler if you already have a wallet. Anytime Capital is the choice if you want a person to walk you through the first purchase.

Can I buy crypto with cash on Coinbase?

No. Coinbase does not accept cash. Anytime Capital does, in person in Atlanta or by mail.

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

Coinbase

Our pick

Paybis vs Coinbase: a widget against an exchange

Paybis sells you crypto and sends it away. Coinbase sells you crypto and keeps it in an account with charts, staking and a card. They solve different problems, and neither solves the one Anytime Capital was built for: paying the way you want and reaching a person when it matters.

Coinbase: custodial account, spread plus a fee that scales with order size
Paybis: on-ramp to your own wallet, 5.99–9.99% all-in on cards

Paybis vs Coinbase vs Anytime Capital

A green check marks the platform with the edge on that row. Anytime Capital leads on 6 of 13.

Category		Coinbase	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	Several percent plus a spread; varies by size and method	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 and wire funding into a Coinbase account; 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	Not offered	Cash at the Atlanta branch, or cash by mail
Wire transfers	SWIFT for some regions; not the primary U.S. rail	Available for larger accounts	Domestic wire for large orders, same-day settlement on business days
Apple Pay & Google Pay	Yes	Yes	Yes
Talk to a human	Online chat and support tickets	Phone for some issues; long queues reported	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None; online only	None for customers	Atlanta branch and Miami office
Countries served	180+ countries	100+ countries	Customers worldwide, with walk-in offices in Atlanta and Miami
New York residents	Not served	Served (BitLicense)	Subject to identity verification and state eligibility
Bank account & debit card	No	Coinbase Card; no FDIC cash account	FDIC-insured cash account with a free virtual debit card
Large orders	Self-serve limits by verification tier	Coinbase Prime for institutions	Dedicated OTC desk with a named contact
Crypto delivered to	Your own wallet address, or the Paybis Wallet	Held in your Coinbase account by default	Your own wallet address, or the free Anytime Capital wallet
Regulation	FinCEN-registered MSB (31000272911973); also registered in Canada and Poland	Publicly traded; state licences including New York	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
Coinbase: Several percent plus a spread; varies by size and method
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
Coinbase: ACH and wire funding into a Coinbase account; 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
Coinbase: Not offered
Anytime

Paybis vs Coinbase: a widget against an exchange

Should I use Paybis or Coinbase?

Card fees: Paybis vs Coinbase vs Anytime Capital

Different products wearing the same "buy crypto" button

Support and control

A front door, not a chat window

Paying in ways neither takes

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

Paybis vs Coinbase 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 Coinbase behind?

Paybis vs Coinbase FAQ

Other questions people ask before switching

Compare other card on-ramps

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Important Disclosures