Three-way comparison
Zengo
Our pickThis is not really a rivalry. Zengo is a self-custody wallet with a buy button; Paybis is one of the companies that buy button can call. What matters is the fee you pay on the way in, whose support you get, and whether the wallet comes with anything else.
Updated September 2026. Paybis figures from its published pricing, terms and independent reviews.
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Buy BTCBitcoin$77,607-3.15%.svg){kind=small}
Buy ETHEthereum$2,222-4.21%.svg){kind=small}
Buy USDTTether$0.9990+0.01%.svg){kind=small}
Buy USDCUSD Coin$0.9995+0.01%.svg){kind=small}
Buy SOLSolana$96.86-3.34%.svg){kind=small}
Buy XRPXRP$1.26-2.87%.svg){kind=small}
Buy LTCLitecoin$55.42-3.42%.svg){kind=small}
Buy DOGEDogecoin$0.0754-3.63%.svg){kind=small}
Buy TRXTRON$0.3319+0.23%.svg){kind=small}
Buy ADACardano$0.1917-4.04%.svg){kind=small}
Buy AVAXAvalanche$8.46-3.07%.svg){kind=small}
Buy DOTPolkadot$0.9349-4.97%.svg){kind=small}
Buy LINKChainlink$10.97-4.66%.svg){kind=small}
Buy BCHBitcoin Cash$279.23-0.33%.svg){kind=small}
Buy XLMStellar$0.1650-2.27%.svg){kind=small}
Buy SHIBShiba Inu$0.000005-4.13%.svg){kind=small}
Buy TONToncoin$1.17-3.28%.svg){kind=small}
Buy SUISui$0.8804-3.75%Quick answer
They do different jobs. Zengo is a well-regarded self-custody wallet that uses multi-party computation instead of a seed phrase; when you tap buy, it routes you to a partner on-ramp and you pay that partner's fee, typically several percent on a card. Paybis is a standalone on-ramp that delivers to any wallet address, including a Zengo one, at 5.99–9.99% all-in on cards. Anytime Capital combines both roles, wherever you are: a free non-custodial wallet, card pricing from 4% with the spread included, and the cash, wire, OTC desk and phone support neither offers.
4%
Anytime Capital card pricing from
Anytime Capital
5.99–9.99%
Paybis card fee, all-in
Compared platform
Partner fee
Zengo in-app buy pricing
Compared platform
9
ways to pay at Anytime Capital
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. Zengo figure is its published or widely reported card rate and may vary by method, region and order size.
Zengo is a mobile wallet built around multi-party computation: your key is split between your device and Zengo's servers so there is no seed phrase to lose, and recovery uses a face scan and a backup file. It is a thoughtful piece of self-custody software with a good security record. Buying inside Zengo hands you to a partner such as MoonPay or Banxa, so the fee, the verification and the support for that purchase belong to the partner, not to Zengo.
Paybis is a standalone on-ramp. You can buy on paybis.com and paste your Zengo address, and the coins arrive there. That gives you Paybis's fee schedule, 1.49% plus 4.5–8.5% on cards or 0.99% by bank transfer, and Paybis's chat support if anything stalls.
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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Anytime Capital's wallet is non-custodial like Zengo's, but it belongs to a U.S.-registered money services business with a branch, a phone number and its own buying rails, serving customers worldwide. Card orders from 4%, cash in Atlanta or by mail, same-day wire through the OTC desk, and an FDIC-insured cash account with a free debit card for when you sell. If you want self-custody without being handed to a third party every time you buy, that is the difference.
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 8 of 13.
Card purchase fee
Bank transfer fee
Pay with cash
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
Most of the volume on any platform is in the same few dozen coins. Every one below has its own buy page here, with Apple Pay, card, ACH, wire and cash at checkout.
BitcoinBuy BTCEthereumBuy ETHTetherBuy USDTUSD CoinBuy USDCSolanaBuy SOLXRPBuy XRP.svg){kind=small}
BNBBuy BNBDogecoinBuy DOGETRONBuy TRXCardanoBuy ADALitecoinBuy LTCChainlinkBuy LINKAvalancheBuy AVAXPolkadotBuy DOTToncoinBuy TONSuiBuy SUIShiba InuBuy SHIBStellarBuy XLMBitcoin CashBuy BCH.svg){kind=small}
PolygonBuy POL.svg){kind=small}
UniswapBuy UNI.svg){kind=small}
NEARBuy NEAR.svg){kind=small}
HederaBuy HBAR.svg){kind=small}
AptosBuy APT.svg){kind=small}
ArbitrumBuy ARB.svg){kind=small}
OptimismBuy OP.svg){kind=small}
CosmosBuy ATOM.svg){kind=small}
FilecoinBuy FIL.svg){kind=small}
Ethereum ClassicBuy ETC.svg){kind=small}
AaveBuy AAVE.svg){kind=small}
InjectiveBuy INJ.svg){kind=small}
BittensorBuy TAO.svg){kind=small}
RenderBuy RENDER.svg){kind=small}
SeiBuy SEI.svg){kind=small}
StacksBuy STX.svg){kind=small}
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
Wire transfers
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