Paybis: Global Crypto Exchange & Fiat On-Ramp

Overview

Paybis is a global cryptocurrency exchange and fiat on-ramp founded in 2014, headquartered in the United Kingdom, enabling users to buy and sell 100+ cryptocurrencies using card, bank transfer, Apple Pay, Google Pay and other local payment methods. Operating for over a decade, Paybis has built a reputation as a straightforward, regulated on-ramp for users in 180+ countries.

The platform focuses on simplicity and speed — new users can complete KYC verification and purchase crypto in minutes, with delivery directly to their self-custodial wallet. Paybis is non-custodial by design: it does not hold user funds beyond the transaction window, delivering purchased crypto to the wallet address the user specifies. This makes it suitable for users who want to buy crypto without leaving their preferred wallet.

Paybis supports a wide range of assets including BTC, ETH, USDC, USDT, XRP, LTC and many altcoins. The platform is regulated and emphasizes compliance, with KYC/AML verification built into the onboarding flow. As of August 2026, Paybis continues to operate as a consumer-facing on-ramp and exchange.

Best for: Individual users and wallets that need a fast, regulated fiat on-ramp to buy crypto with card or bank transfer and receive it directly in a self-custodial wallet.

Fees & Pricing

Paybis charges percentage-based fees typically in the 2–4% range, varying by payment method, region and asset. Card purchases carry higher fees than bank transfers due to card scheme processing costs.

Cost model

Processing fee — 2–4%, varies by payment method (card, bank transfer, Apple Pay) and region.
Network fees — underlying blockchain gas applies for on-chain crypto delivery.
Card scheme fees — Visa/Mastercard processing costs included in the card purchase fee.
Spread — a small margin may be applied to the exchange rate.

Settlement

Minutes — crypto delivered to the user’s wallet once fiat payment is confirmed and KYC is complete.
Direct delivery to any self-custodial or exchange wallet address the user specifies.

Features & Integrations

Buy crypto

100+ cryptocurrencies including BTC, ETH, USDC, USDT, XRP, LTC and altcoins.
Payment methods — Visa/Mastercard, bank transfer, Apple Pay, Google Pay and local rails.
180+ countries supported for fiat-to-crypto purchases.

Sell crypto

Users can sell crypto and receive fiat to their bank account or card in supported regions.

Compliance & delivery

Regulated — KYC/AML verification built into the onboarding flow.
Non-custodial delivery — crypto is sent directly to the user’s specified wallet address.
Fast onboarding — KYC verification typically completed in minutes.

Pros & Cons

Pros

Operating since 2014 — one of the longer-running regulated on-ramps
180+ countries supported with card, bank transfer and Apple/Google Pay
100+ cryptocurrencies available
Non-custodial delivery — crypto sent directly to the user's wallet
Fast KYC verification typically completed in minutes

Cons

Fees (2–4%) are higher than some competitors, especially for card purchases
Card scheme fees included in the purchase cost for card-based buys
KYC required for all users in regulated jurisdictions
Consumer on-ramp focus — not a merchant payment gateway or B2B payout platform
Spread on exchange rates may add marginal cost on top of the stated fee

Frequently Asked Questions

What is Paybis?

A global cryptocurrency exchange and fiat on-ramp founded in 2014, headquartered in the UK, enabling users in 180+ countries to buy and sell 100+ cryptocurrencies with card, bank transfer and Apple/Google Pay.

How much does Paybis cost?

Fees are typically 2–4% depending on payment method and region. Card purchases carry higher fees than bank transfers. Network gas and a small exchange-rate spread may also apply.

Does Paybis hold my crypto?

No — Paybis delivers purchased crypto directly to the wallet address you specify. It is non-custodial by design and does not hold user funds beyond the transaction window.

Is Paybis regulated?

Yes — Paybis is a regulated platform with KYC/AML verification built into the onboarding flow.

Who is Paybis best for?

Individual users and wallets that need a fast, regulated fiat on-ramp to buy crypto with card or bank transfer and receive it directly in a self-custodial wallet.