Three-way comparison
Our pickTopper 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 U.S. company with a branch adds.
- Topper: Uphold-backed widget; fees vary by method and region
- Paybis: 90+ coins, 180+ countries, 5.99–9.99% on cards
- Anytime Capital: from 4% on cards, cash and wire, Atlanta and Miami
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
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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
Is Topper or Paybis better?
They are close substitutes. Topper is operated by Uphold, a long-established and regulated U.S. platform, and is known for smooth Apple Pay and Google Pay checkouts with fees that vary by method and region. Paybis is older as an on-ramp, lists more coins and fiat currencies, and publishes a flat fee schedule of 5.99–9.99% all-in on cards. Neither takes cash or wire in the U.S. or has a phone line. Anytime Capital does all of that with card pricing from 4%.
4%
Anytime Capital card pricing from
Anytime Capital
5.99–9.99%
Paybis card fee, all-in
Compared platform
Varies
Topper fee by method and region
Compared platform
9
ways to pay at Anytime Capital
Anytime Capital
Card fees: Paybis vs Topper vs Anytime Capital
Published fee percentages on a debit or credit card order
- Anytime Capital
- Paybis
- Topper
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. Topper figure is its published or widely reported card rate and may vary by method, region and order size.
Topper, in plain terms
Topper is the checkout Uphold built to embed in other products. Uphold itself has operated since 2014 with U.S. licensing, so Topper inherits a serious compliance backbone. Its pitch to wallets is high card approval rates and a clean mobile-wallet flow. Its fees are not published as a single flat schedule; they are shown in the quote and depend on payment method, region and amount.
Paybis, side by side
Paybis publishes its schedule and lists more coins and currencies. On a U.S. card order it comes to 5.99–9.99% all-in; on bank transfer 0.99% plus a small processing charge. It serves 48 states, excluding New York. Support on both is chat and tickets.
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
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The rails a widget cannot add
Whichever widget you pick, you still cannot pay cash, send a same-day wire, call a person or walk into an office. Anytime Capital was built around those: a branch at 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324, an office in Miami, (470) 748-2530 during business hours, an OTC desk for size, and an FDIC-insured cash account with a free debit card attached to the same login as your crypto.
Leaving Paybis or Topper? 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 Topper vs Anytime Capital
A green check marks the platform with the edge on that row. Anytime Capital leads on 7 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
- Topper
- Shown in quote; varies by method and region
- Anytime
- From 4%, quoted in full before you confirm
Bank transfer fee
- Paybis
- 0.99% service fee plus about 0.05% processing
- Topper
- Limited; card-first
- Anytime
- ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash
- Paybis
- Not offered
- Topper
- 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
- Topper
- Not offered
- Anytime
- Domestic wire for large orders, same-day settlement on business days
Apple Pay & Google Pay
- Paybis
- Yes
- Topper
- Yes, a core strength
- Anytime
- Yes
Talk to a human
- Paybis
- Online chat and support tickets
- Topper
- Chat and tickets
- Anytime
- Phone (470) 748-2530, email, and two walk-in offices
Physical locations
- Paybis
- None; online only
- Topper
- None
- Anytime
- Atlanta branch and Miami office
Coins supported
- Paybis
- 90+ cryptocurrencies
- Topper
- Major assets; narrower than Paybis
- Anytime
- 40+ major coins and stablecoins with dedicated buy and sell pages
Countries served
- Paybis
- 180+ countries
- Topper
- Broad, including the U.S.
- Anytime
- United States, with in-person service in Georgia and Florida
New York residents
- Paybis
- Not served
- Topper
- Depends on asset and licensing
- Anytime
- Subject to identity verification and state eligibility
Bank account & debit card
- Paybis
- No
- Topper
- No (Uphold app is separate)
- Anytime
- FDIC-insured cash account with a free virtual debit card
Large orders
- Paybis
- Self-serve limits by verification tier
- Topper
- Self-serve limits
- Anytime
- Dedicated OTC desk with a named contact
Crypto delivered to
- Paybis
- Your own wallet address, or the Paybis Wallet
- Topper
- Your wallet
- Anytime
- Your own wallet address, or the free Anytime Capital wallet
Regulation
- Paybis
- FinCEN-registered MSB (31000272911973); also registered in Canada and Poland
- Topper
- Operated by Uphold, a U.S.-licensed platform
- 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
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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 Topper 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 Topper FAQ
More on Paybis
Other questions people ask before switching
Keep exploring
Important Disclosures
- Information about Paybis and Topper 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, Topper 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.