Three-way comparison
Coinbase
Our pickPaybis 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: hundreds of coins, spread plus a fee that scales with order size
- Paybis: 90+ coins, 5.99–9.99% all-in on cards
- Anytime Capital: from 4%, cash and wire, Atlanta and Miami offices
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$80,975+5.01%.svg)
Buy ETHEthereum$2,495+4.86%.svg)
Buy USDTTether$0.9999+0.03%.svg)
Buy USDCUSD Coin$0.9999+0.01%.svg)
Buy SOLSolana$104.73+6.32%.svg)
Buy XRPXRP$1.45+9.26%.svg)
Buy LTCLitecoin$51.36+3.79%.svg)
Buy DOGEDogecoin$0.0895+10.08%.svg)
Buy TRXTRON$0.3317+2.52%.svg)
Buy ADACardano$0.2217+13.58%.svg)
Buy AVAXAvalanche$7.51+5.33%.svg)
Buy DOTPolkadot$0.8895+4.51%.svg)
Buy LINKChainlink$11.73+6.10%.svg)
Buy BCHBitcoin Cash$257.61+6.41%.svg)
Buy XLMStellar$0.1873+8.65%.svg)
Buy SHIBShiba Inu$0.000005+4.67%.svg)
Buy TONToncoin$1.36+2.77%.svg)
Buy SUISui$0.7897+9.61%
Quick answer
Should I use Paybis or Coinbase?
Use Coinbase if you want a full exchange: hundreds of coins, an account that holds them, staking, and a New York licence. Use Paybis if you want a quick card purchase delivered straight to your own wallet, especially outside the U.S. Coinbase's debit card purchases carry a fee of a few percent plus a spread, so it is not dramatically cheaper than Paybis on cards. Anytime Capital sits between and beyond them for U.S. buyers: card pricing from 4%, delivery to your own wallet or ours, plus cash, wire, an OTC desk and two offices that neither offers.
4%
Anytime Capital card pricing from
Anytime Capital
5.99–9.99%
Paybis card fee, all-in
Compared platform
Spread + fee
Coinbase simple-trade pricing
Compared platform
9
ways to pay at Anytime Capital
Anytime Capital
Card fees: Paybis vs Coinbase vs Anytime Capital
Published fee percentages on a debit or credit card order
- Anytime Capital
- Paybis
- Coinbase
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. Coinbase figure is its published or widely reported card rate and may vary by method, region and order size.
Different products wearing the same "buy crypto" button
Coinbase is an exchange and a custodian. Your dollars and coins sit in a Coinbase account; you trade against its order book; you can stake, earn and spend with its card; and it is publicly traded and licensed in New York. Paybis is an on-ramp: a checkout that converts your card payment into coins at a wallet address and then steps out of the way.
That is why the fee comparison is slippery. Coinbase's simple buy applies a spread plus a fee that steps up with order size, and debit card purchases carry a higher fee on top. Paybis publishes two flat percentages. On a $500 card order they end up in a similar range; on a large bank-funded Coinbase Advanced trade, Coinbase is far cheaper than any on-ramp.
Support and control
Coinbase's support queue is one of the most-discussed topics in U.S. crypto, and locked accounts holding customer funds are the complaint that stings most, precisely because Coinbase holds the coins. Paybis avoids that by never holding them, but its support is a chat window in Europe.
Anytime Capital's answer is a non-custodial wallet, so the coins are yours, plus a phone number, (470) 748-2530, and a branch you can walk into. Support that can see your order and coins that no one can freeze is the combination the other two split between them.
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)
Paying in ways neither takes
Coinbase takes ACH, debit card, PayPal and wires for larger accounts; Paybis takes cards, mobile wallets and bank transfers. Neither takes cash, and neither has a counter. Anytime Capital's Atlanta branch takes cash in person, cash by mail works from anywhere, same-day wires go through the OTC desk, and the FDIC-insured cash account with its free debit card closes the loop when you sell.
Leaving Paybis or Coinbase? 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 Coinbase vs Anytime Capital
A green check marks the platform with the edge on that row. Anytime Capital leads on 6 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
- Coinbase
- Several percent plus a spread; varies by size and method
- Anytime
- From 4%, quoted in full before you confirm
Bank transfer fee
- Paybis
- 0.99% service fee plus about 0.05% processing
- Coinbase
- Spread plus a stepped fee; low on Advanced Trade
- Anytime
- ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash
- Paybis
- Not offered
- Coinbase
- 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
- Coinbase
- Available for larger accounts
- Anytime
- Domestic wire for large orders, same-day settlement on business days
Apple Pay & Google Pay
- Paybis
- Yes
- Coinbase
- Yes
- Anytime
- Yes
Talk to a human
- Paybis
- Online chat and support tickets
- Coinbase
- Phone for some issues; long queues reported
- Anytime
- Phone (470) 748-2530, email, and two walk-in offices
Physical locations
- Paybis
- None; online only
- Coinbase
- None for customers
- Anytime
- Atlanta branch and Miami office
Coins supported
- Paybis
- 90+ cryptocurrencies
- Coinbase
- Hundreds
- Anytime
- 40+ major coins and stablecoins with dedicated buy and sell pages
Countries served
- Paybis
- 180+ countries
- Coinbase
- 100+ countries
- Anytime
- United States, with in-person service in Georgia and Florida
New York residents
- Paybis
- Not served
- Coinbase
- Served (BitLicense)
- Anytime
- Subject to identity verification and state eligibility
Bank account & debit card
- Paybis
- No
- Coinbase
- Coinbase 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
- Coinbase
- Coinbase Prime for institutions
- Anytime
- Dedicated OTC desk with a named contact
Crypto delivered to
- Paybis
- Your own wallet address, or the Paybis Wallet
- Coinbase
- Held in your Coinbase account by default
- Anytime
- Your own wallet address, or the free Anytime Capital wallet
Regulation
- Paybis
- FinCEN-registered MSB (31000272911973); also registered in Canada and Poland
- Coinbase
- Publicly traded; state licences including New York
- 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 Coinbase 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 Coinbase FAQ
More on Paybis
Other questions people ask before switching
Keep exploring
Important Disclosures
- Information about Paybis and Coinbase 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, Coinbase 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.