Verification
Our pickYes, Paybis requires KYC, and so does every legitimate platform. The difference between on-ramps is not whether they verify you but what happens when the automated check says no.
Updated September 2026. Paybis figures from its published pricing, terms and independent reviews.
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Buy SUISui$0.8815-3.69%Quick answer
Yes. Paybis requires identity verification on every account: a photo of a government-issued ID and a selfie, sometimes followed by proof of address or source-of-funds questions for larger amounts. Paybis says the automated check usually completes in about 5 minutes but can take longer when an application is routed to manual review. Anytime Capital requires the same identity verification, and adds the option of finishing it face to face at the Atlanta branch or over the phone.
~5 min
Paybis automated verification, when it passes
Compared platform
2
documents Paybis needs to start: ID and selfie
Compared platform
In person
verification option at Anytime Capital
Anytime Capital
(470) 748-2530
a human to call when a check stalls
Anytime Capital
Published fee percentages on a debit or credit card order
Paybis publishes a 1.49% service fee on card orders after your first purchase of each asset, plus a card processing fee of 4.5% to 8.5% depending on currency, with a $2 minimum. Anytime Capital pricing starts from 4% with the spread included, and the amount you pay and the crypto you receive are shown before you confirm. Both exclude blockchain network fees. Figures as of September 2026; check each platform's checkout for your exact quote.
Paybis onboarding is a standard automated KYC flow. You create an account with an email and phone number, photograph a passport, driver's licence or national ID, and take a selfie so the system can match your face to the document. Paybis states it accepts thousands of document types from more than 200 countries and territories.
When the automated check passes, Paybis says approval takes around 5 minutes and you can buy immediately. When it does not pass cleanly, the application goes to manual review, which is where the "still pending after two days" reviews come from. Larger or unusual orders can trigger a request for proof of address or an explanation of where the money came from.
No, and you should be suspicious of any platform that says otherwise. Paybis markets some partner integrations as reducing repeat verification, but a first-time customer is always identified. Anytime Capital is the same: verification is required before you can transact, because we are a registered U.S. money services business and it is the law.
Paybis is built to be used through a screen. We are built to be visited. Bring cash, bring questions, or bring a problem another platform could not solve.
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Glare on a licence, a name that does not match the card, an address that changed last month, a selfie in poor light: automated systems reject all of these, and the customer gets a generic message. On an online-only platform your only recourse is to resubmit and wait for a ticket.
At Anytime Capital the same check runs online, but when it stalls you can call (470) 748-2530 and have someone tell you exactly what is wrong, or bring your documents to the Atlanta branch and verify across a desk. For customers who have been burned by a pending status elsewhere, that alone is the reason they switch.
On Paybis, verification unlocks card and bank purchases up to tiered limits, with higher tiers requiring more documents. At Anytime Capital, one verification opens crypto buying and selling, the FDIC-insured cash account with its free virtual debit card, the non-custodial wallet, and access to the OTC desk for larger orders. It is one identity check for the whole account, not a new hoop for every product.
Verify once with your ID and a selfie, pick a coin, choose any of nine ways to pay, and paste any wallet address you control. Card and Apple Pay orders confirm in minutes; wires settle the same business day.
Side by side
A green check marks the platform with the edge on that row. Anytime Capital leads on 9 of 17.
Card purchase fee
Bank transfer fee
Pay with cash
Wire transfers
Ways to pay
The rails Paybis has, it runs well. The ones it does not have are the ones a customer reaches for when a card is declined, an amount is large, or the money is in cash.
Apple PayInstant, from your phoneYesYes
Google PayInstant, Android and webYesYes
Debit cardVisa and MastercardYesYes
Credit cardAmex and Discover accepted hereYesYes
Cash AppPay from your Cash App balanceNoYesCoins
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ImmutableBuy IMXHow it works
Government ID and a selfie, online in minutes. Stuck? Call the branch or come in and finish it in person.
Apple Pay, Google Pay, card, ACH, wire, Cash App, cash in branch or cash by mail. The full price is on screen before you confirm.
Coins land in your own wallet or the free Anytime Capital wallet. Sell back to an FDIC-insured cash account and spend with the debit card.
Anytime Capital is a U.S. money services business serving customers worldwide, with a branch in Atlanta, an office in Miami, and card pricing from 4% with the spread included. Verification takes minutes, nine payment methods are live, and (470) 748-2530 reaches a person during business hours.
Digital assets are not FDIC-insured, are not bank deposits, and may lose value. Availability and limits subject to identity verification and compliance review.
Questions
More on Paybis
Apple Pay & Google Pay
Talk to a human
Physical locations
Countries served
New York residents
Bank account & debit card
Large orders
Crypto delivered to
Regulation
Documents to start
Typical approval time
When verification stalls
Verification without KYC