Which Topper payment method costs the least?

Bank transfer: ACH is offered where available and typically priced below cards, but Topper does not publish a fixed rate. It is also the slowest, because the order completes when the transfer settles.

What does a $1,000 card order cost at Anytime Capital?

From $40 all-in before the network fee, with the crypto you receive shown before you confirm. Topper routes card purchases elsewhere, so its total is whatever that partner shows in checkout.

What is Topper's minimum fee?

$3.99 per order, regardless of payment method. On a $40 purchase that floor alone is 10% before the network fee.

Can I switch from Topper 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.

Fees

Our pick

Topper fees, explained line by line

Q: Does Topper have hidden fees?

Not hidden, but layered: a fee that varies by payment method and is only shown at checkout, with a minimum of $3.99 per order; reviewers widely report card fees in the mid-single digits and some as high as 7.4% on debit, plus a separate network fee, plus none; Topper never holds your coins and delivers them to the wallet you started in, with the network fee shown separately. Read the confirmation screen, not the marketing page.

Q: How does Anytime Capital pricing compare with Topper?

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. Topper prices a fee that varies by payment method and is only shown at checkout, with a minimum of $3.99 per order; reviewers widely report card fees in the mid-single digits and some as high as 7.4% on debit, plus a separate network fee, with none; Topper never holds your coins and delivers them to the wallet you started in, with the network fee shown separately. Blockchain network fees apply at both. Compare the crypto that lands on the same order size rather than the headline rate.

Every platform quotes one number and charges several. Here is what Topper actually takes on a purchase, what it leaves out of the headline, and what the same order costs at Anytime Capital.

Topper: a fee that varies by payment method and is only shown at checkout, with a minimum of $3.99 per order; reviewers widely report card fees in the mid-single digits and some as high as 7.4% on debit, plus a separate network fee
Bank transfer: ACH is offered where available and typically priced below cards, but Topper does not publish a fixed rate
Anytime Capital cards from 4%, shown in full before you pay

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Updated September 2026. Topper 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

How much does Topper charge?

Topper charges a fee that varies by payment method and is only shown at checkout, with a minimum of $3.99 per order; reviewers widely report card fees in the mid-single digits and some as high as 7.4% on debit, plus a separate network fee. Bank transfers: ACH is offered where available and typically priced below cards, but Topper does not publish a fixed rate. Withdrawals: none; Topper never holds your coins and delivers them to the wallet you started in, with the network fee shown separately. Blockchain network fees are added on top. Anytime Capital card, Apple Pay and Google Pay orders start from 4% with the full price on screen before you confirm.

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Layered
Topper pricing structure
Compared platform
3
separate fee lines at Topper
Compared platform
4%
Anytime Capital card pricing from
Anytime Capital
$0
surprise fees at checkout
Anytime Capital

Card pricing at Anytime Capital, where Topper has no card rail

Published fee percentages on a debit or credit card order

Topper does not sell crypto for a card payment directly: a fee that varies by payment method and is only shown at checkout, with a minimum of $3.99 per order; reviewers widely report card fees in the mid-single digits and some as high as 7.4% on debit, plus a separate network fee. Anytime Capital card pricing starts from 4% and is shown in full before you confirm, excluding network fees. As of September 2026.

What Topper charges, in order

Topper's fee page is short on numbers. It states that the fee depends on the payment method you pick, that a minimum of $3.99 applies to every transaction, and that the blockchain network fee is separate and paid to the network, not to Topper. There is no table listing a card percentage, an Apple Pay percentage or an ACH percentage. The rate is calculated for your order and shown on the confirmation screen, which is where reviewers say they first noticed it.

What those reviewers report is a wide range. Some found the rate acceptable; others cite card fees well above 5%, and a few name 7.4% on a debit card. The spread between them likely reflects the payment method, the partner app and the order size, since the $3.99 floor dominates small orders. Selling through Topper, where a partner enables it, carries its own fee. Because Topper never holds your coins there is no withdrawal fee in the exchange sense; you pay the network fee to deliver them.

Anytime Capital prints its card pricing on the page: from 4% with the spread included on card, Apple Pay and Google Pay orders, one all-in number, with the amount you pay and the crypto you receive shown before you confirm. At Topper it is whatever the confirmation screen says, and the only way to know is to get there. The honest comparison is to put both checkouts side by side on the same amount and look at the coins that land.

Network fees, spread, and the number that matters

Both platforms add the blockchain network fee to send your coins. What differs is how the price is presented. Topper's schedule is spread across trading, deposit and withdrawal lines. Anytime Capital shows one number for what you pay and one for what you receive. The second number is the only one worth comparing: screenshot both checkouts on the same $1,000 order and look at how much crypto lands.

A front door, not a chat window

Topper 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

The rails where the fee question barely applies

Topper has no cash rail at any price and no domestic wire desk. At Anytime Capital, cash in the Atlanta branch and cash by mail are priced like any other order, and wires for larger amounts are handled by the OTC desk with a locked quote. For a customer moving real size, a wire costs a fraction of any card rail, at Topper or anywhere else.

Leaving Topper? 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.

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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

Topper vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 8 of 15.

Category		Our pick
Card purchase fee	A fee that varies by payment method and is only shown at checkout, with a minimum of $3.99 per order; reviewers widely report card fees in the mid-single digits and some as high as 7.4% on debit, plus a separate network fee	From 4% with the spread included, quoted in full before you confirm
Bank transfer fee	ACH is offered where available and typically priced below cards, but Topper does not publish a fixed rate	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	No domestic wire rail; bank funding is ACH where the partner enables it	Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay	Yes	Yes
Talk to a human	Knowledge base and support tickets through support.topperpay.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	Topper serves U.S. customers on Uphold's U.S. registrations, but Uphold's terms restrict crypto purchases while you are physically in New York, where only selling to fiat is allowed.	Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification	Government ID and a selfie through Uphold's verification flow on the first purchase; Uphold customers can sign in with their existing account.	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	Limits follow Uphold's verification tiers; no dedicated desk for a retail buyer	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	Operated by Uphold, which is registered with FinCEN and holds money transmitter licenses in most U.S. states, with UK and EU authorizations for its non-U.S. entities; Topper itself is a product, not a separately licensed company.	U.S.-based, FinCEN-registered money services business
Withdrawal fees	none; Topper never holds your coins and delivers them to the wallet you started in, with the network fee shown separately	Network fee only when sending to your own wallet
Fee display at checkout	Trading, deposit and withdrawal lines shown separately	One total and one amount received, plus the network fee

Card purchase fee
Topper
A fee that varies by payment method and is only shown at checkout, with a minimum of $3.99 per order; reviewers widely report card fees in the mid-single digits and some as high as 7.4% on debit, plus a separate network fee
Anytime
From 4% with the spread included, quoted in full before you confirm
Bank transfer fee
Topper
ACH is offered where available and typically priced below cards, but Topper does not publish a fixed rate
Anytime
ACH and wire priced per order; wires clear same day for larger amounts
Pay with cash
Topper
Not offered
Anytime
Cash at the Atlanta branch, or cash by mail from anywhere in the U.S.
Domestic wire
Topper
No domestic wire rail; bank funding is ACH where the partner enables it
Anytime
Same-day domestic wire for larger orders through the OTC desk
Apple Pay & Google Pay
Topper
Yes
Anytime
Yes
Talk to a human
Topper
Knowledge base and support tickets through support.topperpay.com; no live chat, no phone line
Anytime
Phone (470) 748-2530, email, and two walk-in offices
Physical locations
Topper
None for customers
Anytime
Atlanta branch and Miami office
Where it serves
Topper
Topper serves U.S. customers on Uphold's U.S. registrations, but Uphold's terms restrict crypto purchases while you are physically in New York, where only selling to fiat is allowed.
Anytime
Serves customers worldwide, with U.S. offices in Atlanta and Miami; eligibility confirmed during verification
Identity verification
Topper
Government ID and a selfie through Uphold's verification flow on the first purchase; Uphold customers can sign in with their existing account.
Anytime
Government ID and selfie online, or in person at the Atlanta branch
Bank account & debit card
Topper
No FDIC-insured cash account
Anytime
FDIC-insured cash account with a free virtual debit card
Large orders
Topper
Limits follow Uphold's verification tiers; no dedicated desk for a retail buyer
Anytime
Dedicated OTC desk with a named contact
Custody of your coins
Topper
Your own wallet; you hold the keys
Anytime
Your own wallet address, or the free non-custodial Anytime Capital wallet
Regulation
Topper
Operated by Uphold, which is registered with FinCEN and holds money transmitter licenses in most U.S. states, with UK and EU authorizations for its non-U.S. entities; Topper itself is a product, not a separately licensed company.
Anytime
U.S.-based, FinCEN-registered money services business
Withdrawal fees
Topper
none; Topper never holds your coins and delivers them to the wallet you started in, with the network fee shown separately
Anytime
Network fee only when sending to your own wallet
Fee display at checkout
Topper
Trading, deposit and withdrawal lines shown separately
Anytime
One total and one amount received, plus the network fee

Ways to pay

9 ways to pay here. 4 at Topper.

The rails Topper has, it runs well. The ones it does not have are the ones a customer reaches for when a card is declined, an amount is large, or the money is in cash.

MethodTopperAnytime Capital

Apple PayInstant, from your phoneYesYes
Google PayInstant, Android and webYesYes
Debit cardVisa and MastercardYesYes
Credit cardAmex and Discover accepted hereYesYes
ACH bank transferLower cost, settles in business daysLimitedYes
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 Topper 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.

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Ready to leave Topper 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