Paybis in 2024: A User-Friendly Guide to Buying and Selling Crypto

Paybis in 2024: A User-Friendly Guide to Buying and Selling Crypto

Established in 2014, Paybis has rapidly ascended to become a premier digital currency purchasing platform, renowned for its reliability and respect within the global cryptocurrency exchange market. The platform stands out for its variety of payment methods available for trading Bitcoin and other altcoins, and is dedicated to providing a secure trading environment complemented by 24/7 customer support.

Active across all major social media channels, Paybis enhances its transparency by regularly sharing company updates and engaging with its community. This review delves into the platform’s features, advantages, limitations, payment options, fees, supported cryptocurrencies, and much more.

Unlike other cryptocurrency exchanges that prioritize scale and complexity, Paybis prioritizes trust and user responsiveness. It focuses on excelling in basic functions rather than expanding its feature set unnecessarily. With a commitment to seamless onboarding, transparent transactions, and exceptional customer support, Paybis is not just about being the biggest; it’s about efficiently and reliably meeting user needs. This user-centric approach ensures that while others may seek grandeur, Paybis remains dedicated to providing a streamlined and accessible experience for all its users.

What Is Paybis?

Founded in 2014, Paybis is a dynamic cryptocurrency exchange platform headquartered in Poland, recognized for its user-centric approach and its dedication to enhancing customer satisfaction. Unlike other exchanges that focus on size and popularity, Paybis prioritizes the quality of the user experience and reliability, making it a preferred choice for both novice and seasoned traders.

Paybis supports a diverse array of payment options including credit and debit cards, bank transfers, and e-wallets, catering to a global audience. The platform is praised for its straightforward interface that simplifies the buying and selling process of digital assets. Additionally, Paybis offers some of the highest limits available in the market, instant payouts, and maintains robust security measures including compliance with the Financial Crimes Enforcement Network (FinCEN) and a comprehensive Know Your Customer (KYC) process.

The platform's impressive reach extends to over 180 countries and supports more than 150 fiat and cryptocurrency options, demonstrating its commitment to accessibility and innovation. Paybis has earned a near-perfect Trustpilot score, thanks to its dedicated support team and the trust it has built within the crypto community.

Despite its extensive services, Paybis focuses solely on buying and selling cryptocurrencies, distinguishing it from other exchanges that offer complex trading options. This approach ensures a streamlined experience for users who need reliable and quick transaction capabilities.

Paybis was co-founded by Innokenty Isers and Konstantin Vasilenko, who have driven the company with a vision of transparency and customer-centric innovation. Their leadership continues to guide Paybis towards becoming one of the most trusted names in the cryptocurrency exchange market.

Pros and Cons of Using Paybis


  • Paybis offers a straightforward and user-friendly interface tailored for those primarily interested in purchasing cryptocurrencies.
  • The platform ensures high security for transactions; it is registered with regulatory authorities such as FinCEN in the US and FINTRAC in Canada, and requires all crypto to be transferred to an external wallet, enhancing security.
  • Quick and easy sign-up with ID verification completed within 15 minutes.
  • Provides an API for third parties and features such as the ability to sell Bitcoin directly from your wallet for fiat currency.
  • Supports a variety of payment methods and offers a custodial wallet that allows users to manage multiple cryptocurrencies.
  • 24/7 customer support is available via live chat and email, with services offered in multiple languages.
  • Transparent fee structure which ensures users are aware of the costs upfront.


  • Offers a smaller variety of cryptocurrencies compared to larger exchanges.
  • Does not support trading pairs for cryptocurrencies other than Bitcoin.
  • Generally higher fees compared to major cryptocurrency exchanges.
  • Focuses solely on the buying and selling of cryptocurrencies, without supporting broader crypto trading.
  • Due to regulatory restrictions, services are not available to residents of New York, Hawaii, and Louisiana, among other regions.
  • While Paybis allows the purchase of 80 different cryptocurrencies, options for cashing out are limited.

Paybis Features

Extensive Cryptocurrency Options

Paybis supports an impressive array of over 150 fiat and cryptocurrencies. After a detailed examination, the breakdown includes 48 fiat currencies and 80 types of coins and tokens. Notable cryptocurrencies such as Bitcoin, Ethereum, Solana, and Cardano are readily available, along with lesser-known but significant options like Chainlink, Uniswap, Aave, SingularityNET, dydx, and Nexo. The platform also accommodates a diverse range of fiat currencies from the widely used US Dollar, British Pound, and Euro, to more regional offerings like the Danish Krone and Bangladeshi Taka.

Versatile Payment Methods

Users have a wide selection of payment methods for purchasing cryptocurrencies, including standard credit/debit cards and bank transfers. Additionally, Paybis integrates with various digital payment systems like Skrill, Neteller, Giropay, Astropay, PIX, Khipu, WebPay, PSE, and SPEI, tailored to specific regional banking preferences. The transaction limits are as follows:

  • Credit/Debit Card: Minimum $4, Maximum $20,000 per transaction, with no overall limit.
  • Skrill/Neteller: $20 to $200,000, capped at $200,000 daily.
  • Bank Transfer: Ranges from $200,000 to $1 million, with a monthly cap of $1 million.

Be aware of potential cash advance fees up to 5% levied by some banks or card issuers for cryptocurrency purchases made with credit cards.

Specific Bank Exclusions

Certain banks in the US, Canada, and the UK do not process payments to Paybis, including major institutions like Chase Bank USA, Goldman Sachs, Royal Bank of Canada, and Capital One.

Efficient Cash-Out Options

Although Paybis allows the purchase of 80 cryptocurrencies, the platform restricts sales to major ones including Bitcoin, Ethereum, USD Coin, Tether, Cardano, Dogecoin, Solana, Polygon, and Litecoin. The cash-out process is straightforward: select the cryptocurrency, choose the withdrawal method, enter the amount, and provide payment details like Neteller, Skrill, or bank account information. Note that payouts are only processed on bank business days, and SEPA transfers are the only method allowed for outgoing bank transfers. Additionally, Revolut accounts are not supported for payouts due to issues with transfers from crypto merchants.

Paybis Fees and Pricing

Paybis employs a transparent fee structure which adjusts based on the selected payment method. The fees are categorized into three types: payment processing fees, Paybis fees, and network fees. Each fee type is associated differently across various payment options.

Fees by Payment Method

Credit/Debit Card

Payment Processing Fee: This fee is levied by the payment processor and varies by the type of card used. For transactions made with USD, EUR, GBP, or JPY, the fee is 4.5%. For other currencies, this fee may increase up to 6.5%. Transactions under $50 are subject to a flat fee of $2 to $3.

Paybis Fee: There is no fee for the first transaction with a credit or debit card. Subsequent transactions incur a 2.49% fee.


  • Payment Processing Fee: The fee varies by currency and transaction size. For instance, fees for euro transactions are 4% for amounts up to €99, 3.79% for €100 to €199, and 3.65% for €200 to €299.
  • Paybis Fee: A standard fee of 2.49% is charged on all transactions using Neteller or Skrill.

Bank Transfer EU

  • Payment Processing Fee: A minimal fee of 0.05% or at least €2 is charged, depending on the transaction size.
  • Paybis Fee: Incoming bank transfers are charged at 0.99% to cover operational and support services.

Network Fees

This fee is imposed by blockchain miners to confirm transactions and varies with the cryptocurrency in demand. It is calculated per transaction and does not vary with the transaction size.

Transaction Limits

Limits vary depending on the payment method:

For Purchases:

  • Credit/Debit Card: Minimum $4, Maximum $20,000, Unlimited overall.
  • Skrill/Neteller: Minimum $20, Maximum $200,000, $200,000 daily.
  • Bank Transfer: Minimum $240, Maximum $1,000,000, $1,000,000 monthly.

For Sales:

  • Bitcoin via Bank Transfer: Minimum $240, Maximum $100,000, $250,000 daily.
  • Bitcoin via Visa Card: Minimum $5, Maximum $20,000, $250,000 daily.
  • USDT (ERC-20) via Bank Transfer: Minimum $50, Maximum $100,000, $250,000 daily.
  • USDT (ERC-20) via Visa Card: Minimum $10, Maximum $20,000, $250,000 daily.
  • USDT (ERC-20) via Neteller/Skrill: Minimum $50, Maximum $25,000, $250,000 daily.

Paybis Wallet

Paybis offers a custodial wallet designed to simplify cryptocurrency management by removing the need to handle private keys. While this feature increases user convenience, it also presents certain risks, which are discussed more thoroughly in our crypto safety guide.

Key Features of the Paybis Wallet

  • Accessible Crypto Management: The Paybis wallet provides easy access to your cryptocurrency holdings. Unlike traditional wallets, it allows users to access their assets through their email, eliminating the hassle of remembering and entering a long private key or seed phrase each time. Security can be maintained by simply logging out of the Paybis account, thus safeguarding against unauthorized access.
  • Unified Asset Management: This feature enables users to manage multiple cryptocurrencies from a single wallet interface, avoiding the complexity of using separate wallets for different assets.
  • Quick Buy Functionality: With a dedicated "Buy" button, the wallet offers a quick buy option that facilitates immediate purchases of cryptocurrencies directly from the wallet interface, streamlining the process and providing step-by-step guidance.
  • Real-Time Price Tracking: The wallet displays real-time cryptocurrency prices in US dollars, helping users make informed decisions based on current market data.
  • On-Chain Transparency: Paybis enhances security and transparency by assigning a dedicated address for storing funds, which segregates individual user's funds from others. This allows users to independently verify and track their holdings using any blockchain explorer.
  • Cross-Platform Accessibility: Designed to cater to all user preferences, the Paybis wallet is accessible through both web browsers and mobile applications on Android and iOS platforms, ensuring you can manage your crypto on the go.

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