Paybis Review 2026: Fees, Limits & Verdict
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Our verdict
Paybis occupies a clear niche as a non-custodial broker with unusually high purchase limits and a wide range of payment methods, which sets it apart from most on-ramps. That said, we find the cost burden hard to overlook: card purchases layer a service fee on top of a processing fee that can push the total close to double digits, making it a genuinely expensive way to buy crypto for anyone transacting regularly. The asset list is also narrow by design, which suits some buyers but rules out the platform entirely for others.
| Stats | Paybis |
|---|---|
| Fees | |
| Spot fees (maker/taker) | 1.49% / 1.49% |
| CryptoWinRate score | 5/10 |
Paybis Overview
Paybis is not an exchange in the usual sense. There is no order book and no maker or taker fee — it is a broker that sells you crypto at a quoted price, and it has been doing that since 2014.
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.
The product it competes on is limits and payment coverage rather than price, and this review is mostly about whether that trade is worth making.
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 is delivered to your own wallet rather than held for you.
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.
- No trading tools, no order book, no advanced order types — it buys and sells, nothing else.
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 — Paybis is a registered money services business and has no discretion about it. The first level covers name, date of birth and address with a document check, and unlocks 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. But there is no route around it: this is not a platform you can use anonymously.
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. That is a stronger position than most crypto brokers occupy.
Structurally it is also low-risk in the way that matters most: it is non-custodial. Because crypto goes directly to your wallet and Paybis holds no user balances, there is no pool of customer funds for an attacker to take. The exchange-failure scenario that has cost people the most money in this industry does not apply here.
The residual risks are ordinary payment risks — card fraud rules, chargebacks, and the mandatory 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 — with the list having 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, not to offer a long tail. If you want anything beyond the majors, buy a major here and move it to an exchange.
Paybis Trading Platform
The interface is a single widget: choose your currency, payment method, amount and the asset you want. There are no charts, no order types and no positions, because none of that applies.
The transparency is the strongest part of the product. Every component of the cost is displayed before you commit, and the transaction history shows what you bought, when, and how you paid. For 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
There are no maker or taker fees, because there is no order book. Paybis charges a service fee and passes through a payment processing fee, and both are quoted before you confirm.
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 — that is what Visa or Mastercard charges for the transaction, not a Paybis margin. Network fees for delivering the crypto are separate again.
Larger purchases get cheaper. Paybis operates tiered discounts that begin above roughly $7,500 and step down again at higher thresholds, reaching up to about 70% off the service fee. First card transactions have historically waived the service fee entirely.
Bank transfer is materially cheaper than card for anything substantial, at the cost of one to three business days.
Compare the total quoted cost, not the headline rate. On a card purchase the processing fee is usually larger than the service fee, and it is the number that decides what you actually pay.
| Trading type | Maker fee | Taker fee | CEX median (64 tracked) | Verdict |
|---|---|---|---|---|
| Spot | 1.49% | 1.49% | 0.1% / 0.1% | Pricier |
The median across the 64 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: 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. PayPal and gift cards are not supported.
Limits are the standout. 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
There is nothing to withdraw in the usual sense: crypto is delivered straight to the wallet address you supply, so Paybis never holds it.
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) | — | 679 | 380 | 507 |
| Futures contracts (crypto) | — | 199 | 711 | 602 |
| Max leverage | — | 50× | 100× | 150× |
| KYC | — | Required | Required | Required |
| Available in your country | — | — | — | — |
| Links |
See every Paybis alternative compared
Bottom Line
Paybis is a good broker and a poor exchange, which is fine because it only claims to be the former. 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.
It is not cheap. 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 — 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 are 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; bank transfer limits reach into the hundreds of thousands. These are among the highest limits in the on-ramp category.
No. Paybis is non-custodial — crypto is delivered directly to the wallet address you provide, so 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 not supported.
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.
