No. Paybis is a registered money services business that has operated since 2014 and has tens of thousands of public reviews. Complaints about it are almost always about declined cards or verification delays, not lost funds.

Is Paybis regulated in the United States?

Yes. Paybis is registered with FinCEN as a money services business (31000272911973) and serves 48 states. Anytime Capital is also a FinCEN-registered U.S. money services business.

Does Paybis hold my crypto?

Not unless you choose its wallet. By default Paybis sends purchased crypto to the wallet address you enter at checkout, the same way Anytime Capital does.

Is Paybis trustworthy for large amounts?

It is legitimate at any amount, but large orders on a self-serve card platform run into limits and manual review. For anything above a few thousand dollars, Anytime Capital's OTC desk with wire settlement and a named contact is usually the more comfortable route.

Why was my Paybis card payment declined?

Most declines come from the card issuer, not Paybis: many U.S. banks block or flag crypto purchases on credit cards in particular. Anytime Capital publishes bank-by-bank crypto policies and offers ACH, wire, Cash App and cash so a blocked card is not the end of the order.

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

Yes. Both platforms send purchased crypto to a wallet address you control, so nothing needs to move. Create an Anytime Capital account, verify your identity once, and paste the same wallet address at checkout. Your existing coins stay exactly where they are.

Does Anytime Capital charge more than Paybis?

No. Paybis publishes a 1.49% service fee plus a 4.5% to 8.5% card processing fee, which lands between roughly 5.99% and 9.99% all-in on a card order. Anytime Capital pricing starts from 4% with the spread included, and the amount you pay and the crypto you receive are shown before you confirm. ACH and wire orders are quoted the same way, as one all-in number, whatever the size.

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 Paybis and every other compliant platform.

Trust & safety

Our pick

Is Paybis legit? Yes. Here is what that does and does not mean

Paybis is a real, registered, twelve-year-old company. 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 on-ramp and a U.S. company with a front door part ways.

Registered with FinCEN as MSB 31000272911973
30,000+ public reviews, around 4.1 / 5
Anytime Capital: a U.S. company you can call or visit

Paybis vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 9 of 16.

Category		Our pick
Card purchase fee	1.49% service fee plus 4.5–8.5% card processing; first purchase of each asset waives the service fee	From 4% with the spread included; the amount you pay and the crypto you receive are shown before you confirm
Bank transfer fee	Bank transfer supported; the order completes when the transfer settles, in business days	ACH, plus same-day domestic wire for larger orders through the OTC desk, quoted as one all-in number
Pay with cash	Not offered	Cash at the Atlanta branch, or cash by mail
Wire transfers	SWIFT for some regions; not the primary U.S. rail	Domestic wire for large orders, same-day settlement on business days
Apple Pay & Google Pay	Yes	Yes
Talk to a human	Online chat and support tickets	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None; online only	Atlanta branch and Miami office
Countries served	180+ countries	Customers worldwide, with walk-in offices in Atlanta and Miami
New York residents	Not served	Subject to identity verification and state eligibility
Bank account & debit card	No	FDIC-insured cash account with a free virtual debit card
Large orders	Self-serve limits by verification tier	Dedicated OTC desk with a named contact
Crypto delivered to	Your own wallet address, or the Paybis Wallet	Your own wallet address, or the free Anytime Capital wallet
Regulation	FinCEN-registered MSB (31000272911973); also registered in Canada and Poland	U.S.-based, FinCEN-registered money services business
Years in operation	Since 2014	8,000+ completed, counterparty-rated trades
Way to escalate a problem	Support ticket or chat	Phone, email, or in person at the Atlanta branch
Custody of your coins	Non-custodial by default	Non-custodial wallet; you hold the keys

Card purchase fee

Paybis: 1.49% service fee plus 4.5–8.5% card processing; first purchase of each asset waives the service fee
Anytime: From 4% with the spread included; the amount you pay and the crypto you receive are shown before you confirm

Bank transfer fee

Paybis: Bank transfer supported; the order completes when the transfer settles, in business days
Anytime: ACH, plus same-day domestic wire for larger orders through the OTC desk, quoted as one all-in number

Pay with cash

Paybis: Not offered
Anytime: Cash at the Atlanta branch, or cash by mail

Wire transfers

Is Paybis legit? Yes. Here is what that does and does not mean

Is Paybis legit and safe to use?

What a card purchase actually costs

The checklist: does Paybis pass?

What "safe" looks like when a trade goes sideways

A front door, not a chat window

Why Reddit threads about Paybis are so mixed

How to protect yourself on any platform

Leaving Paybis? Your wallet address works here too.

Paybis vs Anytime Capital, row by row

9 ways to pay here. 5 at Paybis.

Every major coin, one checkout

Three steps from Paybis to here

Verify once

Pay your way

Receive and keep going

Ready to leave Paybis behind?