Is Kraken cheaper than Paybis?

For trading, yes, by a wide margin once you are funded by bank transfer. For an instant card purchase, Kraken's fee plus spread lands in the same several-percent range as Paybis's 5.99–9.99%. Anytime Capital starts from 4% on cards.

Is Kraken available in New York?

No. Kraken does not serve residents of New York or Washington. Paybis also excludes New York. Anytime Capital confirms eligibility during verification.

Which is more secure, Paybis or Kraken?

Kraken has the stronger public security record as a custodian. Paybis sidesteps custody risk by never holding your coins. Anytime Capital's wallet is non-custodial, so you hold the keys.

Does Kraken take cash?

No. Anytime Capital does, in person at the Atlanta branch 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?

Not for card orders. 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. Anytime Capital pricing starts from 4% and the full amount is shown before you confirm. Paybis's bank transfer rate is lower on paper, so if you are happy waiting several business days for ACH, compare that rail specifically.

Is Anytime Capital regulated?

Anytime Capital is a U.S.-based money services business registered with FinCEN, 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

Kraken

Our pick

Paybis vs Kraken: convenience against a security-first exchange

Kraken has one of the cleanest security records in the industry and some of the lowest trading fees, 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: low trading fees, strong security, no New York or Washington
Paybis: 48 states, instant card orders at 5.99–9.99%

Paybis vs Kraken vs Anytime Capital

A green check marks the platform with the edge on that row. Anytime Capital leads on 6 of 14.

Category		Kraken	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 on instant buy	From 4%, quoted in full before you confirm
Bank transfer fee	0.99% service fee plus about 0.05% processing	Free or low-cost ACH; trading fees under 0.5%	ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash	Not offered	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Wire transfers	SWIFT for some regions; not the primary U.S. rail	Available, with bank charges	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 support for account issues	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None; online only	None	Atlanta branch and Miami office
Coins supported	90+ cryptocurrencies	200+	40+ major coins and stablecoins with dedicated buy and sell pages
Countries served	180+ countries	190+ countries	United States, with in-person service in Georgia and Florida
New York residents	Not served	Not served; Washington also excluded	Subject to identity verification and state eligibility
Bank account & debit card	No	No	FDIC-insured cash account with a free virtual debit card
Large orders	Self-serve limits by verification tier	Kraken OTC desk for institutions	Dedicated OTC desk with a named contact
Crypto delivered to	Your own wallet address, or the Paybis Wallet	Held in your Kraken account by default	Your own wallet address, or the free Anytime Capital wallet
Regulation	FinCEN-registered MSB (31000272911973); also registered in Canada and Poland	State licences; proof-of-reserves audits	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
Kraken: Several percent plus a spread on instant buy
Anytime: From 4%, quoted in full before you confirm

Bank transfer fee

Paybis: 0.99% service fee plus about 0.05% processing
Kraken: Free or low-cost ACH; trading fees under 0.5%
Anytime: ACH and wire priced per order; wires clear same day for larger amounts

Pay with cash

Paybis: Not offered
Kraken: Not offered
Anytime: Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.

Paybis vs Kraken: convenience against a security-first exchange

Should I use Paybis or Kraken?

Card fees: Paybis vs Kraken vs Anytime Capital

What Kraken is good at

What Paybis does differently

A front door, not a chat window

Where Anytime Capital comes in

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

Paybis vs Kraken 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 Kraken behind?

Paybis vs Kraken FAQ

Other questions people ask before switching

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Important Disclosures