Topper is operated by Uphold, the U.S.-based platform that has run since 2014. It is Uphold's on-ramp product for other apps.

How do Topper and Paybis price a card purchase?

Topper does not publish one flat rate; the fee is shown in the quote and depends on method, region and amount. Paybis publishes 5.99–9.99% all-in on cards. Anytime Capital shows one all-in number from 4% with the spread included.

Does Topper or Paybis take cash?

Neither. Anytime Capital takes cash in person in Atlanta and by mail.

Which has better support?

Both use chat and tickets. Anytime Capital adds a phone line, (470) 748-2530, and two offices.

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

Our pick

Topper vs Paybis: two widgets, and the company behind the counter

Topper is Uphold's on-ramp, built to sit inside wallets and dapps the same way Paybis does. Both take cards and mobile wallets, both verify in minutes, both hand support to a chat. Here is how their fees and coverage compare, and what a company with a branch and a phone line adds.

Topper: Uphold-backed widget; fees vary by method and region
Paybis: published fee schedule, 48 U.S. states, 5.99–9.99% on cards
Anytime Capital: from 4% on cards, cash and wire, Atlanta and Miami

Paybis vs Topper vs Anytime Capital

A green check marks the platform with the edge on that row. Anytime Capital leads on 8 of 13.

Category			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	Shown in quote; varies by method and region	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	Limited; card-first	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	Not offered	Domestic wire for large orders, same-day settlement on business days
Apple Pay & Google Pay	Yes	Yes, a core strength	Yes
Talk to a human	Online chat and support tickets	Chat and tickets	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None; online only	None	Atlanta branch and Miami office
Countries served	180+ countries	Broad, including the U.S.	Customers worldwide, with walk-in offices in Atlanta and Miami
New York residents	Not served	Depends on asset and licensing	Subject to identity verification and state eligibility
Bank account & debit card	No	No (Uphold app is separate)	FDIC-insured cash account with a free virtual debit card
Large orders	Self-serve limits by verification tier	Self-serve limits	Dedicated OTC desk with a named contact
Crypto delivered to	Your own wallet address, or the Paybis Wallet	Your wallet	Your own wallet address, or the free Anytime Capital wallet
Regulation	FinCEN-registered MSB (31000272911973); also registered in Canada and Poland	Operated by Uphold, a U.S.-licensed platform	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
Topper: Shown in quote; varies by method and region
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
Topper: Limited; card-first
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
Topper: Not offered
Anytime

Topper vs Paybis: two widgets, and the company behind the counter

Is Topper or Paybis better?

Card fees: Paybis vs Topper vs Anytime Capital

Topper, in plain terms

Paybis, side by side

A front door, not a chat window

The rails a widget cannot add

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

Paybis vs Topper 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 Topper behind?

Paybis vs Topper FAQ

Other questions people ask before switching

Keep exploring

Important Disclosures

Topper vs Paybis: two widgets, and the company behind the counter

Is Topper or Paybis better?

Card fees: Paybis vs Topper vs Anytime Capital

Topper, in plain terms

Paybis, side by side

A front door, not a chat window

The rails a widget cannot add

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

Paybis vs Topper 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 Topper behind?

Paybis vs Topper FAQ

Who owns Topper?

How do Topper and Paybis price a card purchase?

Does Topper or Paybis take cash?

Which has better support?

Can I switch from Paybis to Anytime Capital without moving my crypto?

Does Anytime Capital charge more than Paybis?

Is Anytime Capital regulated?

Other questions people ask before switching

Keep exploring

Important Disclosures