How does Simplex pricing compare with Anytime Capital?

They are priced differently. Simplex charges a processing fee of 3.5% to 5% depending on the partner, with a $10 minimum, and the partner exchange can add its own spread and the network fee on top, so the total is spread across several lines. Anytime Capital shows one all-in number, from 4% with the spread included, with the amount you pay and the crypto you receive on screen before you confirm.

Can I use Apple Pay or a credit card with Simplex in the U.S.?

No. Simplex's support center says U.S. customers can pay only with Visa personal debit, business debit and prepaid cards; Mastercard, Apple Pay and Google Pay are unavailable for U.S. crypto purchases. Anytime Capital accepts Apple Pay, Google Pay and both card networks, credit and debit.

Does Simplex have a phone number?

No. Simplex support is email and tickets at support.simplex.com, and the partner exchange has its own queue. Anytime Capital can be reached at (470) 748-2530, by email, at its Atlanta branch, or at its Miami office.

Is Simplex available in New York?

No. Simplex lists New York, Hawaii and Louisiana as blocked for crypto purchases, and limits which coins are available in Alaska, Florida, Nevada, New Mexico, Vermont and Washington. Anytime Capital confirms eligibility state by state during verification; call the branch to check.

Nuvei, the Canadian payments company, which completed its acquisition of Simplex in September 2021 for roughly $250 million. Simplex was founded in Israel in 2014 and keeps its EU license in Lithuania.

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

Yes. Both send purchased crypto to a wallet address you control, so nothing needs to move. Create an Anytime Capital account, verify once with your ID and a selfie, and paste the same address at checkout.

How does Anytime Capital pricing compare with Simplex?

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. Simplex prices a card processing fee of 3.5% to 5% depending on the partner, with a minimum fee of $10 per transaction, plus the network fee and any spread the partner exchange adds, roughly 3.5%–5% on the headline, with none; Simplex delivers the coins to the partner exchange or wallet, which sets its own withdrawal fee. 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

Our pick

Simplex vs Anytime Capital

Simplex is the card processor behind the buy button on hundreds of exchanges: a 3.5% to 5% fee, a $10 minimum, and, for its U.S. customers, Visa debit only. Anytime Capital is a U.S. money services business serving customers worldwide, with card pricing from 4% with the spread included, a branch in Atlanta, a phone line and nine ways to pay. Here is the honest breakdown.

Card orders from 4% with the spread included, one all-in number, vs a processor fee plus partner spread and a $10 floor at Simplex
Apple Pay, Google Pay, credit, debit, ACH, wire, Cash App and cash
Call (470) 748-2530 or walk into the Atlanta branch

Simplex vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 9 of 13.

Category		Our pick
Card purchase fee	A card processing fee of 3.5% to 5% depending on the partner, with a minimum fee of $10 per transaction, plus the network fee and any spread the partner exchange adds	From 4% with the spread included, quoted in full before you confirm
Bank transfer fee	bank transfers are offered in some regions through partners, but not as a Simplex rail for U.S. customers	ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire	Not offered; Simplex is a card processor	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	No	Yes
Talk to a human	Email and support tickets through support.simplex.com; no live chat, 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	Simplex serves most U.S. states through its partners, but its support center blocks New York, Hawaii and Louisiana outright and limits which coins can be bought in Alaska, Florida, Nevada, New Mexico, Vermont and Washington; U.S. customers can pay only with Visa debit or prepaid cards.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Government ID and a selfie on the first order, run through Onfido; card ownership checks and proof of address can follow for larger amounts.	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	Up to $20,000 per transaction for fully verified customers, with monthly limits that vary by partner	Dedicated OTC desk with a named contact
Custody of your coins	Your own wallet; you hold the keys	Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation	Simplex Payment Services holds an Electronic Money Institution license from the Bank of Lithuania and is a principal member of the Visa network; its U.S. activity runs through the licensing of its partners and of Nuvei, and Simplex does not publish a list of its own U.S. state licenses.	U.S.-based, FinCEN-registered money services business

Card purchase fee

Simplex: A card processing fee of 3.5% to 5% depending on the partner, with a minimum fee of $10 per transaction, plus the network fee and any spread the partner exchange adds
Anytime: From 4% with the spread included, quoted in full before you confirm

Bank transfer fee

Simplex: bank transfers are offered in some regions through partners, but not as a Simplex rail for U.S. customers
Anytime: ACH and wire priced per order; wires clear same day for larger amounts

Pay with cash

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

Domestic wire

Simplex: Not offered; Simplex is a card processor

Simplex vs Anytime Capital

Which is better, Simplex or Anytime Capital?

Ways to pay: Simplex vs Anytime Capital

What Simplex is, and what it is not

Fees: a processor fee, a partner spread and a $10 floor, versus one all-in number

A front door, not a chat window

Ways to pay: nine rails versus a Visa debit card

Support: two ticket queues versus a phone number

More than a checkout: the account that comes with it

When Simplex is the right call

Leaving Simplex? Your wallet address works here too.