Three-way comparison
Kraken
Our pickPaybis vs Kraken: convenience against a security-first exchange
Kraken has one of the cleanest security records in the industry and a pro-grade order book, but it excludes two U.S. states and its instant card buys are priced like everyone else's. Paybis is faster to a first purchase and reaches more states. Anytime Capital adds what both leave out.
- Kraken: pro trading and staking, strong security, no New York or Washington
- Paybis: 48 states, instant card orders at 5.99–9.99%
- Anytime Capital: from 4% on cards, cash and wire, a phone line
Updated September 2026. Paybis figures from its published pricing, terms and independent reviews.
- FinCEN-registered U.S. money services business
- Atlanta branch · Miami office
- 8,000+ completed trades
- FDIC-insured cash account
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Buy BTCBitcoin$79,235+1.04%.svg)
Buy ETHEthereum$2,504+1.45%.svg)
Buy USDTTether$0.9997-0.01%.svg)
Buy USDCUSD Coin$0.9999+0.01%.svg)
Buy SOLSolana$104.63+1.88%.svg)
Buy XRPXRP$1.44+3.89%.svg)
Buy LTCLitecoin$54.39-0.75%.svg)
Buy DOGEDogecoin$0.0906+1.47%.svg)
Buy TRXTRON$0.3384+0.28%.svg)
Buy ADACardano$0.2209+2.01%.svg)
Buy AVAXAvalanche$8.04+0.14%.svg)
Buy DOTPolkadot$1.19+13.37%.svg)
Buy LINKChainlink$12.57-0.73%.svg)
Buy BCHBitcoin Cash$259.81+0.98%.svg)
Buy XLMStellar$0.1906+0.59%.svg)
Buy SHIBShiba Inu$0.000005+1.43%.svg)
Buy TONToncoin$1.40+1.30%.svg)
Buy SUISui$0.8210+1.01%
Quick answer
Should I use Paybis or Kraken?
Kraken if you plan to trade regularly against an order book, stake, or use margin, with a strong security record, though not if you live in New York or Washington. Paybis if you want one quick card purchase sent to your own wallet. Kraken's instant buy with a card carries a fee of several percent plus a spread, in the same territory as Paybis for that use. Anytime Capital starts from 4% on cards with the spread included, adds cash and same-day wire, and gives you a phone number and a branch, wherever you are.
4%
Anytime Capital card pricing from
Anytime Capital
5.99–9.99%
Paybis card fee, all-in
Compared platform
NY & WA
states Kraken does not serve
Compared platform
9
ways to pay at Anytime Capital
Anytime Capital
Card fees: Paybis vs Kraken vs Anytime Capital
Published fee percentages on a debit or credit card order
- Anytime Capital
- Paybis
- Kraken
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% with the spread included, and the amount you pay and the crypto you receive are shown before you confirm. Both exclude blockchain network fees. Figures as of September 2026; check each platform's checkout for your exact quote. Kraken figure is its published or widely reported card rate and may vary by method, region and order size.
What Kraken is good at
Kraken is the exchange security professionals tend to recommend: no major breach in over a decade, proof-of-reserves audits, and a Pro interface with full maker and taker order types. It holds your coins until you withdraw, supports staking and margin, and has phone support for account issues, which is rare.
Its weak points for a casual buyer are speed and geography. Funding by ACH takes days, its instant card buy carries a fee of several percent plus a spread, and residents of New York and Washington cannot open an account.
What Paybis does differently
Paybis is the shortcut: verify in minutes, pay by card, coins land in your wallet, done. It serves 48 states, lists 90+ coins, and never holds your funds. The price of that convenience is 5.99–9.99% all-in on card orders and a support model that is chat only.
A front door, not a chat window
Paybis is built to be used through a screen. 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
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Where Anytime Capital comes in
Anytime Capital keeps the shortcut, with card, Apple Pay and Google Pay orders from 4% delivered to a wallet you control, and adds the things a U.S. customer eventually needs: cash in branch or by mail, same-day wire through an OTC desk with a named contact, an FDIC-insured cash account with a free debit card, and (470) 748-2530 for the day something goes wrong.
Leaving Paybis or Kraken? 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 any wallet address you control. 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 Kraken vs Anytime Capital
A green check marks the platform with the edge on that row. Anytime Capital leads on 6 of 13.
Card purchase fee
- Paybis
- 1.49% service fee plus 4.5–8.5% card processing; first purchase of each asset waives the service fee
- Kraken
- Several percent plus a spread on instant buy
- 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
- Kraken
- ACH and wire funding into a Kraken 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
- Kraken
- Not offered
- Anytime
- Cash at the Atlanta branch, or cash by mail
Wire transfers
- Paybis
- SWIFT for some regions; not the primary U.S. rail
- Kraken
- Available, with bank charges
- Anytime
- Domestic wire for large orders, same-day settlement on business days
Apple Pay & Google Pay
- Paybis
- Yes
- Kraken
- Yes
- Anytime
- Yes
Talk to a human
- Paybis
- Online chat and support tickets
- Kraken
- Phone support for account issues
- Anytime
- Phone (470) 748-2530, email, and two walk-in offices
Physical locations
- Paybis
- None; online only
- Kraken
- None
- Anytime
- Atlanta branch and Miami office
Countries served
- Paybis
- 180+ countries
- Kraken
- 190+ countries
- Anytime
- Customers worldwide, with walk-in offices in Atlanta and Miami
New York residents
- Paybis
- Not served
- Kraken
- Not served; Washington also excluded
- Anytime
- Subject to identity verification and state eligibility
Bank account & debit card
- Paybis
- No
- Kraken
- No
- Anytime
- FDIC-insured cash account with a free virtual debit card
Large orders
- Paybis
- Self-serve limits by verification tier
- Kraken
- Kraken OTC desk for institutions
- Anytime
- Dedicated OTC desk with a named contact
Crypto delivered to
- Paybis
- Your own wallet address, or the Paybis Wallet
- Kraken
- Held in your Kraken 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
- Kraken
- State licences; proof-of-reserves audits
- 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 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
Most of the volume on any platform 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
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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
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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 Kraken behind?
Anytime Capital is a U.S. money services business serving customers worldwide, with a branch in Atlanta, an office in Miami, and card pricing from 4% with the spread included. 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 Kraken FAQ
More on Paybis
Other questions people ask before switching
Keep exploring
Important Disclosures
- Information about Paybis 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" is the starting all-in rate with the spread included; your quote depends on payment method, order size and verification, and the amount you pay and the crypto you receive are displayed before you confirm.
- Anytime Capital, Paybis 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.