Have you ever wanted to buy Bitcoin or other cryptocurrencies on exchanges but found it difficult due to a lack of supported fiat currencies and payment methods in your country? If you were in that situation, Paybis could be the platform you need. This trading platform offers their customers many fiat currencies and payment methods.

This Paybis review will examine how it works, its fees, and whether it’s a safe exchange for you.

Key Takeaways:

  • Paybis is a crypto platform that follows strict regulations and helps you easily buy cryptocurrencies using fiat currencies.
  • This platform charges a commission fee from 0.99% to 2.49% per transaction (not including network fees).
  • Paybis holds licenses from authorities such as FinCEN in the US and FINTRAC in Canada. It is available in 48 US states, excluding New York and Hawaii.

Paybis Review: What Is It?

Founded in 2014, Paybis is a well-established crypto exchange platform headquartered in Warsaw, Poland. This crypto exchange holds licenses from the United States’ FinCEN (Financial Crimes Enforcement Network) and Canada’s FINTRAC. This regulation provides users with trust and confidence when using the platform. 

Paybis Cryptocurrency Exchange Homepage

The core function of Paybis is to facilitate the buying and selling of cryptocurrencies using over 48 fiat currencies. It is globally available in over 180 countries and 48 US states. Currently, Paybis supports over 80 popular cryptocurrencies, including major players like Bitcoin (BTC), Ethereum (ETH), Binance Coin (BNB), Dogecoin (DOGE), Litecoin (LTC), and many more.

To make transactions easy, Paybis supports various payment methods, including credit/debit cards, ACH transfers, Apple Pay, Google Pay, and popular e-wallets like Skrill and Neteller.

Beyond its core exchange service, Paybis also offers a convenient crypto wallet. This wallet lets you securely store and manage your digital assets directly within the platform. 

Paybis also provides a smooth and intuitive user experience. Their platform is well-designed, making navigation easy for beginners. Transactions are fast, and their customer support team is also known for being responsive and helpful.

Pros of Paybis

  • Highly secure, registered with authorities such as FinCEN in the US and FINTRAC in Canada
  • Available in more than 180 countries and 48 US states
  • Multiple fiat currencies and payment options to easily buy crypto
  • User-friendly platform with easy navigation
  • Highly responsive 24/7 customer support through live chat

Cons of Paybis

  • Limited supported cryptocurrencies compared to other centralized crypto exchanges.
  • US states like New York and Hawaii are restricted.
  • Transaction processing fees are comparatively high.
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Paybis Fees

Paybis offers clear and transparent pricing. Their fees generally fall into two categories:

  • Service fees (transaction processing fees)
  • Blockchain network fees

Service Fees

The Service Fee is the commission they charge for conducting the transaction to cover different platform management costs. Service fees on Paybis vary depending on your payment method and the size of your transaction. Here’s the summary:

  • Credit/Debit Card: The first transaction typically has no fee. After that, a fee of 2.49% applies. Let’s say you buy $500 worth of Bitcoin with your card. The Paybis platform fee would be $12.45.
  • Bank Transfers: These can have slightly lower fees, often around 0.99%. Remember, your bank itself may also charge a transfer fee.
  • Other Payment Methods (Skrill, Neteller): Fees here may start around 2.49%, depending on the method.

Network Fees

Network fees are more challenging to determine because they depend on blockchain congestion. Bitcoin, for example, can have higher network fees during busy periods.

Paybis does its best to estimate these at checkout, but they can change slightly between the time of your order and confirmation on the blockchain.

Paybis Deposit & Withdrawal Method

Here are some of the most popular deposit and withdrawal methods available on Paybis:

  • Visa/Mastercard (credit or debit card)
  • Bank Transfer (SEPA for Europe)
  • Skrill and Neteller
  • Apple Pay and Google Pay
  • ACH transfers
  • M-PESA
  • Giropay
  • Astropay
  • SPEI
  • PIX

And many more!

Paybis Daily Deposit and Withdrawal Limit

Paybis has a dynamic deposit and withdrawal limit structure. The specific payment method you choose (credit/debit card, bank transfer, etc.) will have its own associated limits. Limits may also vary slightly based on your country or region.

Here is the general idea of the limits for buying cryptocurrencies:

Min Amount per TransactionMax Amount per TransactionOther Max Limits
Credit/Debit Card$4$20,000Unlimited
Skrill/Neteller$20$200,000$200,000 Daily
Bank Transfer$200$1,000,000$1,000,000 Monthly

Note: ETH, ERC-20 tokens, and DOT have a separate minimum amount of 10 USD per transaction.

Limits for selling cryptocurrencies:

Withdrawal MethodMin Amount per TransactionMax Amount per TransactionDaily Limits
BitcoinBank Transfer$240$100,000$250,000
USDT (ERC-20)Bank Transfer$50$100,000$250,000
USDT (ERC-20)Visa/Mastercard$10$20,000$250,000
USDT (ERC-20)Neteller/Skrill$50$25,000$250,000

You can check the detailed Paybis transaction limits here.

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Paybis Review: Features

Paybis Wallet

Paybis Wallet Image

The Paybis crypto wallet is designed as an integral part of the Paybis cryptocurrency exchange platform. Here are some of the notable features of the Paybis wallet:

  • Ease of Use: You can view your holdings, monitor transaction history, and send or receive cryptocurrency without complicated procedures.
  • Keyless Wallet: With this technology, you don’t need to memorize or physically secure lengthy private keys or seed phrases. Your wallet access is managed through your login credentials.
  • Blockchain Tracking: You can monitor your holdings on any blockchain explorer. This helps you to view the transaction history of your crypto assets and confirm the security of your funds.
  • Secure MPC Design: The Paybis wallet prioritizes security by utilizing a Multi-Party Computation (MPC) model to safeguard your funds. This means your wallet keys are split and stored at multiple locations. This eliminates the single point of failure that exists in traditional essential storage methods. Since no single party holds the complete key, a successful attack would require compromising multiple systems simultaneously. This is incredibly difficult.

Easy Cash-Out

To help users convert Bitcoin or altcoin into fiat currency quickly, Paybis offers multiple cash-out options to ensure maximum flexibility.

Using services like Skrill or Neteller is the fastest way to exchange your Bitcoin for fiat currencies. These transactions often take a mere 5 minutes from start to finish. This allows you near-instant access to your funds within the digital wallet. Once converted, you can use those funds for online purchases or transfer them further.

Credit and Debit cards are another option. Cash-out using a card can take 1-2 hours, depending on the country. This method is almost available for more than 48 fiat currencies on the platform.

Bank transfers generally involve a bit more processing time than digital wallets or card transactions. However, they are important for large withdrawals due to high transaction limits. Depending on your bank and its procedures, the funds might take 1 to 5 days to reach your traditional bank account.

Real-Time Charts

Paybis offers real-time charts that provide a visual snapshot of how cryptocurrency prices are changing. Besides the price chart itself, you can find details like the cryptocurrency’s market cap, volume, and circulating supply. 

Paybis also shows popular gainers and losers over different periods, so you can quickly spot which cryptocurrencies are performing well or poorly. You can filter these charts to focus on specific time frames, giving you a clearer understanding of price changes over hours, days, or weeks.

Paybis Real Time Chart

Crypto Payments for Businesses

Paybis also offers crypto payment services for businesses. With this service, your customers can use their fiat currencies to buy crypto or vice versa.

Paybis crypto on/off ramp is a tool that makes adding this bridge to your website or app super easy. The best part is that it looks and feels like part of your business, even though Paybis handles all the complicated stuff behind the scenes.

On Off Ramp On Paybis

Referral and Affiliate Program

The Paybis referral and crypto affiliate program is a way to earn money by inviting others to use the Paybis platform. It offers a generous 20% commission on every purchase your referee makes. This creates a potential for passive income.

Paybis affiliate program provides clear tracking tools, so you can easily monitor how many people clicked your link, who’s signed up, and how much commission you’ve earned.

Paybis offers two ways for its affiliate partners to get paid: through a SEPA bank transfer or by receiving Bitcoin (BTC). To receive a payout, you need to have earned at least $50 USD in commissions.

Supported Cryptocurrencies

Paybis offers an average selection of supported cryptocurrencies, over 80 coins and tokens at the time of writing. You’ll find all the major assets like Bitcoin (BTC), Ethereum (ETH), and Binance Coin (BNB), alongside a variety of popular altcoins. It also supports stablecoins like USDT and USDC.

However, Paybis is not particularly known for supporting many low-cap or newly launched projects. Their focus is on well-established cryptocurrencies. Therefore, if you want to diversify your portfolio with new coins and tokens, you should check out our recommended exchanges like MEXC and Bybit.

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Paybis Security Measures: Is This Exchange Safe?

Paybis has implemented a variety of robust measures to keep your funds and personal information secure. Here is a brief overview of its security measures:

  • Know Your Customer (KYC) Verification: Paybis has the mandatory KYC requirement to prevent fraud and identity theft. 
  • Multi-Party Computation (MPC) Wallet: Your wallet’s private keys are split and distributed among multiple parties, making them harder to compromise.
  • Data Encryption and Protection: All the sensitive data you share with Paybis, like your personal details and transaction history, is encrypted using SSL.
  • Multi-factor authentication: You can add an extra layer of protection to your account by requiring a password and a code from a separate device or app (like Google Authenticator).

Customer Support

Paybis offers several avenues for customer support. Their primary method is through live chat, which is easily accessible on their website. 

This exchange also provides a dedicated email address (support@paybis.com) for more complex issues or those requiring detailed explanations. To supplement these options, the Paybis team maintains a comprehensive support portal where you can find answers to common questions or browse helpful articles.

They also have a multilingual customer staff in languages including English, French, Korean, German, and Russian. Customer reviews on Paybis’s support and platform are pretty good, with a 4.1/5 rating on Trustpilot.

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Paybis Mobile App

The Paybis mobile app offers a user-friendly way to purchase crypto directly from your smartphone. This app is available for both Android and iOS devices. The app provides clear summaries and visualizations of your portfolio. You can easily buy or sell cryptocurrency with a few taps and choose from all the similar payment methods available on the desktop version. The app also includes a built-in digital wallet for safekeeping your cryptocurrency.

Paybis Mobile Phone App

Overview of Paybis Exchange

Legal NamePaybis Poland Sp. z o.o.
HeadquartersWarsaw, Poland
Supported cryptocurrencies80+
Supported fiat currencies48+
Payment MethodsCredit/Debit cards, ACH transfers, SEPA, GPay, Skrill, and many more
RegulatedFinCEN in the US and FINTRAC in Canada
Fees0.99% – 2.49% + applicable network fees
KYCYes (Mandatory)
US availability 48 states (excluding New York and Hawaii)
Mobile appAndroid and iOS
Customer supportLive chat and email

Step by Step to Register & Buy Crypto on Paybis

Step 1: Create a Paybis Account

To get started on Paybis, first go to their website. Look for the “Sign Up” button in the top right corner and click it.  You’ll need to enter a valid email address and create a strong password. Make sure to read through the “Terms of Service and Privacy Policy” before agreeing to them and clicking “Sign Up”. 

Paybis will then send you a verification code via email. Find this code in your inbox and enter it into the designated field on the website to complete your registration.

Create Account On Paybis Step 1

Step 2: KYC Verification Process

(How to verify your Paybis account: Paybis)

Paybis requires a quick identity verification process to ensure platform security. You’ll see a  “Start Verification” option – click that to begin. Select your country of residence and choose the type of government-issued ID you want to use (passport or driver’s license are the most common). 

Follow the provided instructions to upload clear photos of your ID. For additional security, it might also request a selfie with you holding your ID. This process is designed to be quick and usually takes less than 5 minutes.

Step 3: Buy Crypto

On the Paybis main page, find the “Buy Crypto” section. Select the specific cryptocurrency you want to buy (like Bitcoin or Ethereum) from the dropdown menu. You can choose to enter either the amount of crypto you wish to purchase or how much of your fiat currency you want to spend. 

Next, pick your preferred payment method from options like credit/debit card, bank transfer, and other e-wallets. If you don’t have your own crypto wallet yet, Paybis offers a built-in one for a seamless process. Double-check all the transaction details, and if you’re satisfied, click “Buy Now” and follow the remaining instructions.

Buy Crypto On Paybis
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To sum up our Paybis review, it is a good platform for buying and selling cryptocurrency using credit cards and supporting over 48 fiat currencies. The platform is user-friendly, supports crypto storage in its integrated MPC wallet, and holds multiple licenses in the US and Canada. 

However, Paybis’s fees can be a bit expensive compared to popular crypto exchanges like BinanceMEXC, and Bybit. Additionally, if you desire advanced charting tools and trading features such as leverage and staking, Paybis may not be the best choice as it primarily focuses on simple buying and selling.


Is Paybis legit?

Yes, Paybis is a legitimate and well-regulated cryptocurrency exchange. Several factors support this claim. Firstly, Paybis prioritizes regulatory compliance. It has registrations with important bodies like FinCEN in the US and FINTRAC in Canada. 

Secondly, the company has built a solid reputation with over 2 million users since its founding in 2014. This shows its trustworthiness within the industry. Finally, Paybis maintains largely positive user reviews across various platforms like the Apple App Store (4.6/5 from 1.2k users). This indicates a generally good customer experience. It also takes security seriously with measures like Know Your Customer (KYC) procedures and advanced wallet security protocols.

Can I withdraw money from Paybis?

Yes, you can easily withdraw crypto from Paybis. The process involves a few steps. First, you’ll need to sell your desired cryptocurrency in exchange for a fiat currency of your choice (like USD, EUR, etc.). This will be automatically processed by Paybis based on the latest exchange rates. Once you’ve completed the sale, you can choose a supported withdrawal method like a bank transfer or withdrawal to a compatible e-wallet service.

Which country owns Paybis?

Paybis is a global company with its original headquarters located in Warsaw, Poland. The company provides services to customers across over 180 countries worldwide.

How much does Paybis charge per transaction?

Paybis maintains a clear fee structure, but the exact fees you’ll pay depend on factors like the chosen payment method (credit/debit cards or bank transfers), the specific cryptocurrency you’re buying or selling, and the size of your transaction. 

Generally, credit/debit card transactions have 2.49% fees per transaction, and bank transfers have 0.99% fees per transaction. 

Is Paybis available in the USA?

Yes, Paybis is available in most of the United States. However, due to varying state-level regulations, it is currently unavailable in New York and Hawaii. Paybis supports crypto transactions in 48 out of the 50 US states.

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