How long does Simplex verification take?

Simplex cites first-time approval for about three quarters of applicants in minutes; the rest go to manual review with only a ticket to track it.

Can I use Simplex without KYC?

No. 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 Capital is the same: verification is required before you can transact, because it is the law for a registered U.S. money services business.

Can I verify with Anytime Capital in person?

Yes. Bring your government ID to the Atlanta branch at 2549 Piedmont Road NE, Suite 110, Atlanta, GA 30324 during business hours, or verify online and call (470) 748-2530 if anything stalls.

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.

Verification

Our pick

Simplex KYC: what it asks for, how long it takes, and why it stalls

Yes, Simplex requires KYC, and so does every legitimate platform. The difference between platforms is not whether they verify you but what happens when the automated check says no.

Government ID and a selfie on the first order, run through Onfido; card ownership checks and proof of address can follow for larger amounts.
Simplex cites first-time approval for about three quarters of applicants in minutes; the rest go to manual review with only a ticket to track it.
Anytime Capital: verify online, or in person at 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 10 of 15.

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
Documents to start	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
When verification stalls	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.	Call the branch or verify in person

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 KYC: what it asks for, how long it takes, and why it stalls

Does Simplex require KYC?

Ways to pay: Simplex vs Anytime Capital

What Simplex verification involves

Why automated KYC fails good customers

A front door, not a chat window

What verification unlocks

Leaving Simplex? Your wallet address works here too.

Simplex vs Anytime Capital, row by row

9 ways to pay here. 0 at Simplex.

Every major coin, one checkout

Three steps from Simplex to here

Verify once

Pay your way

Receive and keep going

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Simplex KYC: what it asks for, how long it takes, and why it stalls: FAQ

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Important Disclosures