How does Pionex price a card purchase?

Pionex does not process cards itself. It hands card orders to third-party processors such as Banxa and Simplex, each with its own fee and its own spread built into the quote, shown inside a pop-up rather than on a fee page. Anytime Capital's card pricing starts from 4% with the spread included, one all-in number with the amount you pay and the crypto you receive shown before you confirm, and it adds cash, wire and Cash App rails that Pionex does not have.

Can I use Pionex in the United States?

Not Pionex.com. U.S. customers are directed to Pionex.US, a separate FinCEN-registered entity with a shorter coin list that reportedly excludes New York, Alaska, Hawaii and the territories. Anytime Capital serves customers in the U.S. and worldwide from Atlanta and Miami, with eligibility confirmed at verification.

Are the Pionex bots really free?

Yes. There is no subscription; you pay the 0.05% trading fee on each order the bot places. The catch is that grid and arbitrage bots can lose money in a strongly trending market, which is the source of many of the disappointed reviews.

Does Pionex have a phone number?

No. Support runs through in-app chat, email at service@pionex.com or service@pionex.us, and a Telegram community. Anytime Capital can be reached at (470) 748-2530, by email, at its Atlanta branch, or at its Miami office.

Can I buy crypto with cash on Pionex?

No. Pionex.US funds by ACH and third-party card processors. Anytime Capital accepts cash in person at the Atlanta branch and cash by mail from anywhere in the United States, plus same-day wire for larger amounts.

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

Yes. Withdraw from Pionex to a wallet you control (or leave it there), create an Anytime Capital account, verify once, and paste any wallet address at checkout. Nothing you already hold needs to move.

How does Anytime Capital pricing compare with Pionex?

Anytime Capital quotes one all-in number: card, Apple Pay and Google Pay orders start from 4% with the spread included, and the amount you pay and the crypto you receive are both on screen before you confirm. Pionex prices card purchases run through third-party processors such as Banxa and Simplex, with reported fees between about 2.6% and 4.5% depending on processor and region, plus the processor's own spread, roughly 2.6%–4.5% on the headline, with a per-coin network fee set by Pionex, which varies by chain. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

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 every compliant platform.

Head to head

Pionex

Our pick

Pionex vs Anytime Capital

Pionex is the exchange that made trading bots free: sixteen of them, built into the order form. Anytime Capital is a U.S. money services business that sells to customers worldwide, with a branch in Atlanta, a phone number, card pricing from 4% with the spread included, and nine ways to pay. One is a place to run strategies. The other is a place to buy, hold and cash out. Here is the honest breakdown.

Cash, wire, ACH, Cash App, Apple Pay, Google Pay and cards, versus ACH and third-party card processors
Card pricing from 4% with the spread included and the total on screen, versus a third-party processor's fee plus its own spread

Pionex vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 10 of 13.

Category	Pionex	Our pick
Card purchase fee	Card purchases run through third-party processors such as Banxa and Simplex, with reported fees between about 2.6% and 4.5% depending on processor and region, plus the processor's own spread	From 4% with the spread included, quoted in full before you confirm
Trading fees	0.05% maker and 0.05% taker on spot, with no extra charge for running the bots	One all-in price per order with the spread included, plus an OTC desk for size
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Not documented as a Pionex.US USD deposit rail; the bank option is ACH	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Partial	Yes
Talk to a human	In-app chat, email tickets (service@pionex.com and service@pionex.us) and a Telegram community; no phone line	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None for customers	Atlanta branch and Miami office
Where it serves	Pionex.com does not serve Americans; U.S. customers use Pionex.US, a FinCEN-registered money services business with a smaller coin list that reportedly excludes New York, Alaska, Hawaii and the U.S. territories.	Serves customers worldwide, with U.S. branches in Atlanta, Miami and Houston; eligibility confirmed during verification
Identity verification	Level 1 unlocks deposits and trading; a Level 2 ID-and-selfie check is required before withdrawals, and Pionex.US verifies every customer as a U.S. money services business.	Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card	No FDIC-insured cash account	FDIC-insured cash account with a free virtual debit card
Large orders	Self-serve limits by verification tier; no OTC desk for retail customers	Dedicated OTC desk with a named contact
Custody of your coins	Held in your account until you withdraw	Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation	Pionex.US states it registered with FinCEN as a money services business in April 2020 and holds money transmitter licenses in a number of states; the global Pionex.com platform is not licensed in the United States.	U.S.-based, FinCEN-registered money services business

Card purchase fee

Pionex: Card purchases run through third-party processors such as Banxa and Simplex, with reported fees between about 2.6% and 4.5% depending on processor and region, plus the processor's own spread
Anytime: From 4% with the spread included, quoted in full before you confirm

Trading fees

Pionex: 0.05% maker and 0.05% taker on spot, with no extra charge for running the bots
Anytime: One all-in price per order with the spread included, plus an OTC desk for size

Pay with cash