How do Paybis and MoonPay price a card purchase?

MoonPay quotes one card fee, around 4.5% with a small minimum. Paybis itemises a 1.49% service fee and a 4.5% to 8.5% processing fee, 5.99–9.99% all-in, and prices bank transfers at 0.99% plus a small processing charge. Anytime Capital shows one all-in number from 4% with the spread included.

Is MoonPay available in New York?

MoonPay serves New York for many assets under its licensing. Paybis does not serve New York. Anytime Capital confirms eligibility during verification.

Which is safer, Paybis or MoonPay?

Both are registered, verify identity and deliver to your own wallet. Neither has a history of customer funds being lost. Complaints on both are about declines and reviews, not security.

Can I use MoonPay or Paybis with cash?

No. Neither accepts cash. Anytime Capital takes cash in person at the Atlanta branch and by mail.

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.

Three-way comparison

Our pick

Paybis vs MoonPay, and the option that beats both

Paybis and MoonPay are the two on-ramps you meet most often inside wallets, and they are more alike than different: card checkout, fees in the mid-single digits, no cash, no phone. Here is where they diverge, and why a company with a branch and a phone line changes the comparison.

Paybis card 5.99–9.99% all-in; MoonPay around 4.5% with a minimum
Both online only; neither takes cash or wire in the U.S.
Anytime Capital from 4% with nine ways to pay and a phone line

Paybis vs MoonPay vs Anytime Capital

A green check marks the platform with the edge on that row. Anytime Capital leads on 8 of 13.

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	Around 4.5% with a small minimum	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	Bank transfer available; 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	Not offered	Cash at the Atlanta branch, or cash by mail
Wire transfers	SWIFT for some regions; not the primary U.S. rail	Not a U.S. rail	Domestic wire for large orders, same-day settlement on business days
Apple Pay & Google Pay	Yes	Yes	Yes
Talk to a human	Online chat and support tickets	Chat and tickets	Phone (470) 748-2530, email, and two walk-in offices
Physical locations	None; online only	None	Atlanta branch and Miami office
Countries served	180+ countries	160+ countries	Customers worldwide, with walk-in offices in Atlanta and Miami
New York residents	Not served	Served for many assets	Subject to identity verification and state eligibility
Bank account & debit card	No	No	FDIC-insured cash account with a free virtual debit card
Large orders	Self-serve limits by verification tier	Self-serve limits	Dedicated OTC desk with a named contact
Crypto delivered to	Your own wallet address, or the Paybis Wallet	Your wallet	Your own wallet address, or the free Anytime Capital wallet
Regulation	FinCEN-registered MSB (31000272911973); also registered in Canada and Poland	FinCEN-registered MSB; state money transmitter licences	U.S.-based, FinCEN-registered money services business

Card purchase fee

Paybis: 1.49% service fee plus 4.5–8.5% card processing; first purchase of each asset waives the service fee
MoonPay: Around 4.5% with a small minimum
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
MoonPay: Bank transfer available; 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
MoonPay: Not offered
Anytime

Paybis vs MoonPay, and the option that beats both

Is Paybis or MoonPay better?

Card fees: Paybis vs MoonPay vs Anytime Capital

Two widgets, one business model

Fees: how each widget builds its quote

A front door, not a chat window

Where neither widget can follow

Leaving Paybis or MoonPay? Your wallet address works here too.

Paybis vs MoonPay vs Anytime Capital

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 and MoonPay behind?

Paybis vs MoonPay FAQ

Other questions people ask before switching

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Important Disclosures