Is Simplex regulated in the United States?

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 Capital is a FinCEN-registered U.S. money services business with a branch in Atlanta.

Does Simplex hold my crypto?

No. Simplex delivers to a wallet you control, the same way Anytime Capital does.

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.

Trust & safety

Our pick

Is Simplex legit? What that does and does not mean

Q: Is Simplex a scam?

No. Simplex is a legitimate on-ramp operating since 2014. 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.

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.

Simplex is a real on-ramp that has operated since 2014. The useful question is not whether it is a scam but what happens on the day something goes wrong, and that is where an online-only platform and a U.S. company with a front door part ways.

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.
Delivers coins to a wallet you control
Anytime Capital: a U.S. company you can call or visit

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

Is Simplex legit and safe to use?

Yes. Simplex is a legitimate on-ramp founded in 2014, based in Givatayim, Israel, with an EU entity in Vilnius, Lithuania. 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. Simplex serves the U.S. with restrictions. It does not hold your coins, so the risks are declined payments and verification holds rather than lost funds. What it does not offer is a phone number or a place to walk into, which is why many customers prefer Anytime Capital when something needs a human.

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

2014
the year Simplex was founded
Compared platform
4.0 / 5
Simplex Trustpilot average
Compared platform
2
Anytime Capital walk-in offices
Anytime Capital
8,000+
completed Anytime Capital trades
Anytime Capital

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.

The checklist: does Simplex pass?

Simplex is legitimate and has been for longer than most on-ramps. It was founded in Israel in 2014, has processed card payments for hundreds of exchanges and wallets, and since September 2021 has been a subsidiary of Nuvei, a Canadian payments company that reports its financials publicly. Its EU entity holds an Electronic Money Institution license from the Bank of Lithuania, and Simplex is a principal member of the Visa network. It verifies every customer with ID and a selfie and never holds your coins.

Its Trustpilot profile has roughly 29,000 reviews averaging about 4.0 out of 5, which is a large sample. The 16% of one-star reviews describe declined cards, pending orders, slow refunds and confusion over who to contact; they do not describe stolen funds. That is the normal texture of a card processor inside someone else's product, and it is exactly the situation where a company with a phone number is easier to deal with.

One thing Simplex does not publish is a list of its own U.S. state money transmitter licenses; its U.S. activity runs through the licensing of its partners and Nuvei, and its state restrictions reflect that. Anytime Capital is a U.S. money services business with a storefront in Atlanta that serves customers worldwide, and you can call (470) 748-2530 to ask about eligibility where you are.

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.
Operating since 2014, headquartered in Givatayim, Israel, with an EU entity in Vilnius, Lithuania
Identity verification required
Non-custodial delivery to your own wallet

What "safe" looks like when a trade goes sideways

Read the one-star reviews of Simplex and a pattern appears: the $10 minimum fee on small orders, cards declined after verification, often by the issuing bank, orders that were charged but marked pending or canceled with a slow refund, not knowing whether the exchange or simplex owns the problem. These are compliance and process events, not theft, and every regulated platform has them. The difference is what you can do about it. On Simplex you open a ticket or a chat and wait. At Anytime Capital you call (470) 748-2530 and speak to someone who can see the order, or walk into the Atlanta branch at 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324 and resolve it across a desk.

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

How to protect yourself on any platform

Use the real website address and never a link from a message. Turn on two-factor authentication. Send your first purchase to a wallet you already control and confirm it arrives before buying more. Keep a screenshot of the confirmation screen with the fees. And if anyone contacts you claiming to be from any exchange and asks you to move money, hang up and call the number on the company's own site.

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 10 of 14.

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
Way to escalate a problem	Because Simplex is a processor inside someone else's app, the customer is often bounced between the exchange's support and Simplex's ticket queue.	Phone, email, or in person at the Atlanta branch

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
Way to escalate a problem
Simplex
Because Simplex is a processor inside someone else's app, the customer is often bounced between the exchange's support and Simplex's ticket queue.
Anytime
Phone, email, or in person at the Atlanta branch

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