Which Simplex alternative is clearest on fees?

Anytime Capital: one all-in number from 4% on card, Apple Pay and Google Pay orders, spread included, with the amount you pay and the crypto you receive both shown before you confirm.

Which Simplex alternative accepts cash?

Anytime Capital, in person at the Atlanta branch or by mail. Simplex and the major exchanges do not take cash.

Which alternative has a phone number?

Anytime Capital, at (470) 748-2530 during business hours.

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.

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.

Alternatives

Our pick

The best Simplex alternative

Q: 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.

If you are leaving Simplex it is probably for one of these reasons: u.s. customers limited to visa debit and prepaid cards, with no mastercard, apple pay or google pay, blocked in new york, hawaii and louisiana, with coin limits in six more states, $10 minimum fee that makes a $100 order cost 10%. Anytime Capital fixes those, and here is how it stacks up against the other names on your list.

Card pricing from 4% with the spread included
Cash, wire, ACH, Cash App, Apple Pay, Google Pay and cards
Atlanta branch, Miami office, and a phone number that answers

Buy with Apple Pay from 4%Call (470) 748-2530 Buy with a credit card

Updated September 2026. Simplex 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

Quick answer

What is the best alternative to Simplex?

Anytime Capital, wherever you are: a FinCEN-registered U.S. money services business serving customers worldwide, with card pricing from 4% with the spread included, 9 ways to pay including cash and same-day wire, an OTC desk for larger orders, an FDIC-insured cash account with a free debit card, and walk-in offices in Atlanta and Miami. Choose Simplex when you are buying inside an exchange or wallet that already embeds its checkout, want the coins to land in that platform's account, and would rather reuse a verification that carries across its partner apps than open a new one.

Buy with Apple Pay from 4%Call (470) 748-2530 Buy with a credit card

4%
Anytime Capital card pricing from
Anytime Capital
9
ways to pay
Anytime Capital
2
walk-in offices
Anytime Capital
3.5%–5%
Simplex card fee
Compared platform

Ways to pay: Simplex vs Anytime Capital

Payment methods live for a customer today

Anytime Capital
Simplex

Anytime Capital: Apple Pay, Google Pay, Debit card, Credit card, ACH bank transfer, Wire transfer, Cash App, Cash in branch, Cash by mail, each priced as one all-in number from 4% on card orders with the spread included. Simplex: 0 of those rails, none of them for a direct dollar purchase, priced 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, with none; Simplex delivers the coins to the partner exchange or wallet, which sets its own withdrawal fee. Both exclude blockchain network fees. As of September 2026.

Why people look for a Simplex alternative

People look for a Simplex alternative for three reasons. The first is the U.S. payment sheet: Visa debit only, with no Mastercard, Apple Pay or Google Pay and no bank or cash rail to fall back on when the card is declined. The second is the $10 minimum, which turns a $100 purchase into a 10% fee. The third is the support model, which splits a stuck order between Simplex's tickets and the partner exchange's tickets.

A good alternative should keep what Simplex does well, which is fast card checkout with a published fee range and high limits, and add the rails and the people. Anytime Capital was built around that list: card pricing from 4% with the spread included and no floor, Apple Pay, Google Pay, both card networks, ACH, same-day wire, Cash App and cash, an OTC desk for size, delivery to a wallet you control, and a branch in Atlanta with a phone number.

U.S. customers limited to Visa debit and prepaid cards, with no Mastercard, Apple Pay or Google Pay
Blocked in New York, Hawaii and Louisiana, with coin limits in six more states
$10 minimum fee that makes a $100 order cost 10%
Tickets only, split between Simplex and the partner exchange

Anytime Capital: the alternative with a front door

Anytime Capital keeps the fast checkout and adds everything an online-only platform cannot. Card, Apple Pay and Google Pay orders confirm in minutes from 4%. ACH, same-day wire, Cash App, cash at the Atlanta branch and cash by mail cover every other way an American actually pays. An OTC desk handles size with a named contact. And the account that comes with it, an FDIC-insured cash balance with a free virtual debit card and a non-custodial wallet, means you can buy, hold, sell and spend without leaving. When something needs a human, (470) 748-2530 reaches one, and 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324 is a real door.

A front door, not a chat window

Simplex 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

Anytime Capital branch storefront on Piedmont Road in Atlanta — Atlanta branch, Piedmont Road NE

One Biscayne Tower in Miami, home of the Anytime Capital Miami office — Miami office, One Biscayne Tower

When Simplex is still the right call

Choose Simplex when you are buying inside an exchange or wallet that already embeds its checkout, want the coins to land in that platform's account, and would rather reuse a verification that carries across its partner apps than open a new one.

Embedded in hundreds of exchanges and wallets since 2014, with Nuvei behind it
Published 3.5% to 5% card fee, clearer than many partner-set rates
Verification that carries across partners once you have passed it
High per-transaction limit of $20,000 for verified customers

How to switch in ten minutes

Create an Anytime Capital account, verify with your ID and a selfie, pick a coin and a payment method, and paste the same wallet address you used on Simplex. Your first order can be as small as you like to confirm it lands where you expect.

Leaving Simplex? 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.

Buy with Apple Pay from 4%Open a free account

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

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
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Simplex
No
Anytime
Yes
Talk to a human
Simplex
Email and support tickets through support.simplex.com; no live chat, no phone line
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Simplex
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Simplex
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.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Simplex
Government ID and a selfie on the first order, run through Onfido; card ownership checks and proof of address can follow for larger amounts.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Simplex
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Simplex
Up to $20,000 per transaction for fully verified customers, with monthly limits that vary by partner
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Simplex
Your own wallet; you hold the keys
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Simplex
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.
Anytime
U.S.-based, FinCEN-registered money services business

Ways to pay

9 ways to pay here. 0 at Simplex.

Simplex does not take U.S. dollars from a U.S. customer directly. Every rail below is live at Anytime Capital, including the ones no online platform offers.

MethodSimplexAnytime Capital

Apple PayInstant, from your phoneNoYes
Google PayInstant, Android and webNoYes
Debit cardVisa and MastercardLimitedYes
Credit cardAmex and Discover accepted hereNoYes
ACH bank transferLower cost, settles in business daysNoYes
Domestic wireSame-day for larger ordersNoYes
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.

How it works

Three steps from Simplex 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.

Buy with Apple Pay from 4%Call (470) 748-2530 Buy with a credit card

Ready to leave Simplex 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

Buy with Apple Pay from 4%See fees & limits

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