Three-way comparison
Zengo
Our pickPaybis vs Zengo: a checkout against a wallet
This is not really a rivalry. Zengo is a self-custody wallet with a buy button; Paybis is one of the companies that buy button can call. What matters is the fee you pay on the way in, whose support you get, and whether the wallet comes with anything else.
- Zengo: keyless MPC self-custody, buys via partner on-ramps at partner fees
- Paybis: standalone checkout, 5.99–9.99% all-in on cards, delivers to any wallet
- Anytime Capital: wallet plus buying from 4%, plus cash, wire and 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$80,820-0.88%.svg)
Buy ETHEthereum$2,337-3.37%.svg)
Buy USDTTether$0.9992+0.01%.svg)
Buy USDCUSD Coin$0.9998+0.01%.svg)
Buy SOLSolana$100.90-3.03%.svg)
Buy XRPXRP$1.26-3.00%.svg)
Buy LTCLitecoin$57.03-3.80%.svg)
Buy DOGEDogecoin$0.0765-4.53%.svg)
Buy TRXTRON$0.3314-0.82%.svg)
Buy ADACardano$0.2126-4.42%.svg)
Buy AVAXAvalanche$9.35-5.42%.svg)
Buy DOTPolkadot$1.05-7.33%.svg)
Buy LINKChainlink$11.58-4.07%.svg)
Buy BCHBitcoin Cash$265.56-3.94%.svg)
Buy XLMStellar$0.1724-3.74%.svg)
Buy SHIBShiba Inu$0.000005-3.98%.svg)
Buy TONToncoin$1.32-3.55%.svg)
Buy SUISui$0.9444-4.75%
Quick answer
Is Paybis or Zengo better?
They do different jobs. Zengo is a well-regarded self-custody wallet that uses multi-party computation instead of a seed phrase; when you tap buy, it routes you to a partner on-ramp and you pay that partner's fee, typically several percent on a card. Paybis is a standalone on-ramp that delivers to any wallet address, including a Zengo one, at 5.99–9.99% all-in on cards. Anytime Capital combines both roles, wherever you are: a free non-custodial wallet, card pricing from 4% with the spread included, and the cash, wire, OTC desk and phone support neither offers.
4%
Anytime Capital card pricing from
Anytime Capital
5.99–9.99%
Paybis card fee, all-in
Compared platform
Partner fee
Zengo in-app buy pricing
Compared platform
9
ways to pay at Anytime Capital
Anytime Capital
Card fees: Paybis vs Zengo vs Anytime Capital
Published fee percentages on a debit or credit card order
- Anytime Capital
- Paybis
- Zengo
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. Zengo figure is its published or widely reported card rate and may vary by method, region and order size.
What Zengo actually is
Zengo is a mobile wallet built around multi-party computation: your key is split between your device and Zengo's servers so there is no seed phrase to lose, and recovery uses a face scan and a backup file. It is a thoughtful piece of self-custody software with a good security record. Buying inside Zengo hands you to a partner such as MoonPay or Banxa, so the fee, the verification and the support for that purchase belong to the partner, not to Zengo.
Where Paybis fits
Paybis is a standalone on-ramp. You can buy on paybis.com and paste your Zengo address, and the coins arrive there. That gives you Paybis's fee schedule, 1.49% plus 4.5–8.5% on cards or 0.99% by bank transfer, and Paybis's chat support if anything stalls.
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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The wallet that comes with a company
Anytime Capital's wallet is non-custodial like Zengo's, but it belongs to a U.S.-registered money services business with a branch, a phone number and its own buying rails, serving customers worldwide. Card orders from 4%, cash in Atlanta or by mail, same-day wire through the OTC desk, and an FDIC-insured cash account with a free debit card for when you sell. If you want self-custody without being handed to a third party every time you buy, that is the difference.
Leaving Paybis or Zengo? 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 Zengo vs Anytime Capital
A green check marks the platform with the edge on that row. Anytime Capital leads on 8 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
- Zengo
- Partner on-ramp fee, typically several percent
- 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
- Zengo
- Partner-dependent
- 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
- Zengo
- 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
- Zengo
- Not offered
- Anytime
- Domestic wire for large orders, same-day settlement on business days
Apple Pay & Google Pay
- Paybis
- Yes
- Zengo
- Via partners
- Anytime
- Yes
Talk to a human
- Paybis
- Online chat and support tickets
- Zengo
- In-app chat, well rated
- Anytime
- Phone (470) 748-2530, email, and two walk-in offices
Physical locations
- Paybis
- None; online only
- Zengo
- None
- Anytime
- Atlanta branch and Miami office
Countries served
- Paybis
- 180+ countries
- Zengo
- Global wallet; buying depends on partner coverage
- Anytime
- Customers worldwide, with walk-in offices in Atlanta and Miami
New York residents
- Paybis
- Not served
- Zengo
- Wallet works; buying depends on partner
- Anytime
- Subject to identity verification and state eligibility
Bank account & debit card
- Paybis
- No
- Zengo
- No
- Anytime
- FDIC-insured cash account with a free virtual debit card
Large orders
- Paybis
- Self-serve limits by verification tier
- Zengo
- Partner limits
- Anytime
- Dedicated OTC desk with a named contact
Crypto delivered to
- Paybis
- Your own wallet address, or the Paybis Wallet
- Zengo
- Your Zengo wallet (MPC self-custody)
- Anytime
- Your own wallet address, or the free Anytime Capital wallet
Regulation
- Paybis
- FinCEN-registered MSB (31000272911973); also registered in Canada and Poland
- Zengo
- Wallet software; purchases regulated by the partner
- 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 Zengo 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 Zengo FAQ
More on Paybis
Other questions people ask before switching
Compare other card on-ramps
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.