Paybis Review 2026: Fees, Limits & Verdict
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Our verdict
Paybis fills a clear niche as a non-custodial broker with unusually high purchase limits and a wide range of payment methods. The cost is the catch: card purchases layer a service fee on top of a processing fee that can push the total close to double digits, which makes it an expensive way to buy crypto for anyone transacting regularly. The asset list is narrow by design, which suits buyers of the majors and rules the platform out for anyone chasing smaller coins.
| Stats | Paybis |
|---|---|
| Fees | |
| Spot fees (maker/taker) | 1.49% / 1.49% |
| CryptoWinRate score | 5/10 |
Paybis Overview
Paybis sells you crypto at a quoted price, broker-style, and has done so since 2014. You pick an amount and a payment method, and the fees are itemised on top of the quote.
Registered in Riga, Latvia and operating as SIA Paybis Europe, it holds registrations with FinCEN in the United States and FinTRAC in Canada, and serves customers across a large number of countries.
It competes on limits and payment coverage, and this review is mostly about whether paying for that convenience makes sense for you.
Paybis Pros & Cons
- Very high purchase limits, well beyond what most on-ramps allow.
- Wide payment coverage: cards, bank transfer, Apple Pay, Google Pay, Skrill, Neteller and others.
- Registered with FinCEN and FinTRAC, and trading since 2014, a long record for this category.
- Costs are shown in full before you confirm, with the service fee, processing fee and network fee itemised.
- Non-custodial by design: crypto goes straight to your own wallet.
Against that:
- Expensive. Card purchases carry a service fee from 1.49% plus a processing fee of roughly 4.5% to 8.5%.
- A narrow asset list compared with any real exchange.
- Verification is mandatory before you can transact.
- The product is a buy-and-sell screen only, so active traders will want an exchange.
Pros & cons for Paybis have not been entered in the database yet.
Paybis Sign-up & KYC
Registration is an email address and a password, and takes under a minute. Verification is where the real work is.
Identity verification is mandatory, because Paybis is a registered money services business. The first level covers name, date of birth and address with a document check, and opens the main payment methods. Higher limits require further documentation.
Verification is usually quick, and the company has historically been faster at it than most competitors. Every account goes through it.
Paybis Security & Regulation
Paybis is registered with FinCEN in the United States and FinTRAC in Canada, which puts it under real anti-money-laundering obligations and in a stronger position than most crypto brokers.
It is also low-risk in the way that matters most: it is non-custodial. Crypto goes directly to your wallet and Paybis holds no user balances, so there is no pool of customer funds for an attacker to take, and the exchange-failure scenario that has cost people the most money in this industry stays off the table.
The remaining risks are ordinary payment risks: card fraud rules, chargebacks, and the verification data you hand over.
| Proof of reserves | — |
| Cold storage | Yes |
| Two-factor authentication | Yes |
| Withdrawal address whitelist | — |
| Anti-phishing passphrase | — |
Paybis Supported Cryptocurrencies
Paybis supports the major assets, Bitcoin, Ethereum, USDT, XRP, Litecoin, Bitcoin Cash and a set of others, and the list has grown considerably since the platform launched.
It is a short list by exchange standards and that is the intended design. Paybis exists to convert money into the largest assets reliably. If you want anything beyond the majors, buy a major here and move it to an exchange.
Paybis Trading Platform
The whole interface is one widget where you choose your currency, payment method, amount and the asset you want, and that is all a broker purchase needs.
Transparency is the strongest part of the product. Every component of the cost shows before you commit, and the transaction history lists what you bought, when, and how you paid. In a category where hidden spreads are the norm, that is worth something.
Paybis also runs liquidity services for fintech businesses, which is where a good deal of its actual volume comes from.
Paybis Trading Fees
Paybis charges a service fee and passes through a payment processing fee, both quoted before you confirm, and that replaces the maker and taker fees of an exchange.
The service fee starts at 1.49%. On top of that a card purchase carries a processing fee of roughly 4.5% to 8.5% depending on the currency, which is what Visa or Mastercard charges for the transaction, and network fees for delivering the crypto are separate again.
Larger purchases get cheaper. Paybis runs tiered discounts that begin above roughly $7,500 and step down again at higher thresholds, reaching up to about 70% off the service fee, and first card transactions have historically come without the service fee at all.
Bank transfer is materially cheaper than card for anything substantial, at the cost of one to three business days.
Compare the total quoted cost, with the processing fee included. On a card purchase the processing fee is usually larger than the service fee, and it decides what you actually pay.
| Trading type | Maker fee | Taker fee | CEX median (69 tracked) | Verdict |
|---|---|---|---|---|
| Spot | 1.49% | 1.49% | 0.1% / 0.1% | Pricier |
The median across the 69 centralized exchanges (CEX) we track, per fee type. Paybis is only ever compared with its own kind. "Average" means within half a basis point of that median.
Paybis Customer Support
Support runs 24/7 through live chat and email, in multiple languages, and has a better reputation than most in this category.
For an on-ramp, support quality matters more than it does for a trading venue, because the things that go wrong here are stuck payments and failed verifications, and both need a human.
Paybis Deposit Methods
Payment coverage is the main reason to use Paybis: credit and debit cards, bank transfer, Apple Pay, Google Pay, Skrill, Neteller and AstroPay among others, across a wide range of fiat currencies.
Cards are instant and expensive, bank transfer is slow and cheap, and PayPal and gift cards are outside the list.
Limits are the big one. Card purchases run to roughly $20,000 a week or $50,000 a month, and bank transfer limits reach into the hundreds of thousands, far above what a typical on-ramp permits.
Paybis Withdrawal Methods
Crypto goes straight to the wallet address you supply, so Paybis never holds it and there is no withdrawal step.
Selling works in the other direction. You can sell crypto for fiat and receive it by Skrill, Neteller or, in the UK, a GBP bank transfer.
Paybis Alternatives
| Feature | Paybis | Kraken | Bybit | Binance |
|---|---|---|---|---|
| Founded | — | 2011 | 2018 | 2017 |
| CryptoWinRate score | 5/10 | 9.3/10 | 9/10 | 8.9/10 |
| Spot maker fee | 1.49% | 0.4% | 0.1% | 0.1% |
| Spot taker fee | 1.49% | 0.8% | 0.1% | 0.1% |
| Futures maker fee | — | 0.02% | 0.02% | 0.02% |
| Futures taker fee | — | 0.05% | 0.055% | 0.05% |
| Spot assets (crypto) | — | 682 | 378 | 520 |
| Futures contracts (crypto) | — | 182 | 710 | 599 |
| Max leverage | — | 50× | 100× | 150× |
| KYC | Required | Required | Required | Required |
| Available in your country | — | — | — | — |
| Links |
See every Paybis alternative compared
Bottom Line
Paybis is a good broker, and that is all it claims to be. If you want to convert a large sum into Bitcoin or Ethereum with high limits, broad payment options and costs shown up front, it does that well and has done since 2014.
Cost is the catch. A card purchase can cost the better part of 10% once processing fees are counted, and if you are buying regularly that is a lot to give away. Use bank transfer, buy in larger amounts to reach the discount tiers, or route through an exchange with proper fiat rails.
Convenience and limits are what you are paying for. Judge it on those.
Frequently Asked Questions
Yes. Identity verification is mandatory before you can transact, because Paybis is a registered money services business with FinCEN and FinTRAC.
A service fee from 1.49%, plus a card processing fee of roughly 4.5% to 8.5%, plus the network fee, all three shown before you confirm. Larger purchases qualify for tiered discounts of up to about 70% off the service fee.
Card purchases run to roughly $20,000 per week or $50,000 per month, and bank transfer limits reach into the hundreds of thousands, among the highest limits in the on-ramp category.
No. Paybis is non-custodial, so crypto goes directly to the wallet address you provide and there is no exchange balance to lose.
Cards, bank transfer, Apple Pay, Google Pay, Skrill, Neteller and AstroPay among others. PayPal and gift cards are outside the list.
Riga, Latvia, operating as SIA Paybis Europe. It has been trading since 2014.
Spot trading costs 1.49% maker / 1.49% taker. Figures load live from our exchange database.
No, the US appears on Paybis's restricted-country list.
