Licensed fintech since 2014

Buy crypto with a credit or debit card in minutes

Paybis has moved crypto and fiat for people in 180 countries since 2014. The exact amount of crypto you'll receive is shown before you pay, and there's no Paybis service fee on your first card purchase.

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    Available in 180+ countries

  • savings

    No Paybis fee on your first card purchase

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    Crypto delivered to your wallet in minutes

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    20+ payment methods, from card to local rails

  • support_agent

    Identity checks under two minutes

  • payments

    Instant payouts when you sell

Buy Bitcoin
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Rated 5.0 on the App Store and 4.7 on Google Play
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Live market

Live Bitcoin price and market stats

Bitcoin is trading at $86,412, up 0.6% today and 3.1% over the past month. Sentiment is reading 45% bullish. The figures below come from the live market feed.

  • Bitcoin market digest: what moved this week
  • How to sell Bitcoin and cash out to your bank account
  • Is Bitcoin legal where you live? A country-by-country guide
$1.7T

Market cap

Total value of every Bitcoin in circulation.

$17B

24h volume

Traded across the major exchanges in the last day.

$86K

24h high

The highest price Bitcoin reached today.

20.1M

Circulating supply

Coins in circulation, capped at 21 million.

Bitcoin

What is Bitcoin?

Bitcoin is a decentralised digital currency that runs on a public network with no bank or central issuer behind it. Supply is capped at 21 million coins, every transaction is recorded on a ledger anyone can audit, and no single company or government controls it. You can buy it, sell it, swap it for another coin, or hold it in a Paybis wallet.

Get started in four steps

You don't need an account to see the price. Enter an amount, choose how you want to pay, and the crypto is yours once the payment clears.

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1

Choose what you want to buy

Pick your coin and the amount, then select how you want to pay — card, Apple Pay, Google Pay, PayPal, bank transfer, or a local option like Pix, BLIK or SPEI.

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2

Pay with the method you already use

The rate locks the moment you confirm, so the amount of crypto you receive is fixed before the money leaves your account.

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3

Your crypto lands in your wallet

Card and instant-bank payments usually clear and deliver within minutes. Standard bank transfers take one to two business days, depending on your bank and country.

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4

Hold it, spend it or cash out

Keep it in your Paybis wallet, swap it for another asset, spend it with a card, or sell it straight back to your bank account.

How to buy Bitcoin with a card

The practical answers: what it costs, how long it takes, and what we ask you for.

There is no Paybis service fee on your first card purchase. After that, the service fee is shown upfront at checkout and varies by payment method — bank-based methods generally cost less than cards. Blockchain network fees are set by the network, not by us. The exact amount of crypto you'll receive is on screen before you confirm.

Card and instant bank payments are usually delivered within minutes of the payment clearing. A standard bank transfer takes one to two business days, depending on your bank and the country you're paying from.

For most purchases we ask for a government-issued photo ID and a short selfie check, which usually takes under two minutes. It's a one-time step. Low-risk users can buy and send up to $1,000 a year with simplified verification and no full KYC.

Both work, along with Apple Pay and Google Pay, at the same 3.5% fee. Some banks class a crypto purchase differently from a normal card payment and may decline it — if that happens, a bank transfer is the reliable fallback.

Why people choose Paybis

More than five million people have bought, sold or swapped on Paybis since 2014. Here's what they get for it.

5M+

Customers

People buying, selling and swapping on Paybis.

100+

Cryptocurrencies

Bitcoin, Ethereum, stablecoins and the long tail of altcoins.

65+

Fiat currencies

Buy and sell in your own currency, not just USD.

180+

Countries

Payments accepted across Europe, the Americas, Asia and Africa.

20+

Payment methods

Card, Apple Pay, Google Pay, PayPal, bank transfer and local rails.

24/7

Support

A real person on chat and email, every day of the year.

The advantages of buying crypto on Paybis

Everything below exists to make one thing true: you get the crypto you paid for, at the rate you were shown.

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Instant payouts

When you sell, the money leaves Paybis straight away. How fast it reaches you after that depends on your bank, not on us sitting on it.

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Support that actually answers

Staffed 24/7 by people who can see your transaction, in English and several other languages.

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180+ countries

Local payment rails in the markets we serve, so you pay the way you already pay for everything else.

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Quick security checks

Identity checks usually finish in under two minutes, and low-risk buyers can send up to $1,000 a year with no full KYC.

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Simple to use

Amount, payment method, confirm. The rate and every fee sit on the same screen before you commit.

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Competitive commissions

No Paybis service fee on your first card purchase, and the service fee is shown upfront at checkout after that.

Regulated in the US, Canada and the EU

Paybis is licensed and supervised in every market it serves, and the authorisation numbers are published rather than buried. This is the part most exchanges leave out.

MiCA

EU — MiCA CASP authorisation

Authorised as a crypto-asset service provider under the EU's Markets in Crypto-Assets regulation. Licence 27-55/2026/6, held through SIA Paybis Europe in Riga, Latvia.

PSD2

EU — PSD2 payment institution

Licensed as a payment institution under PSD2 — licence 27-55/2026/7 — so the fiat side of a transfer is regulated the same way any other regulated payment is. Card payments are PCI-DSS certified.

United States

US and Canada — registered MSB

Registered as a money services business with FinCEN under 31000272911973, and registered with FINTRAC in Canada. US customers are served by PAYBIS USA LTD.

Crypto trends: what's moving right now

A snapshot of the biggest movers across the assets Paybis supports, and the coins people are buying most.

Top gainers

The Sandbox · SAND · +30.09%
Chiliz · CHZ · +16.34%
Dash · DASH · +10.48%
Optimism · OP · +8.92%
Pepe · PEPE · +8.71%

Top losers

Aerodrome Finance · AERO · −18.62%
Conflux · CFX · −13.26%
Pi Network · PI · −6.99%
Curve DAO · CRV · −5.87%
dogwifhat · WIF · −5.82%

Most popular

Monero · XMR · $339.61
Zcash · ZEC · $72.65
Story · IP · $3.06
Aster · ASTER · $1.36
TRON · TRX · $0.32

Paybis moves money every minute of the day

Here's the last 24 hours, added up across every payment method and every market we serve.

$15.6M

Traded in the last 24 hours

Across 180+ countries and 35+ payment methods.

Buy Bitcoin from your phone

The Paybis app does everything the desktop does: buy, sell, swap and follow your wallet balance. Scan the code to install it, or search Paybis in your app store.

Download the app
QR code to download the Paybis app

Four things you can do with crypto on Paybis

Buying isn't the only direction. Paybis handles the whole loop — in, out, and sideways between assets.

Buy

Buy crypto

Card, Apple Pay, Google Pay, PayPal, SEPA, bank transfer or a local rail — 20+ ways to pay, with the amount you'll receive on screen before you confirm.

Sell

Sell crypto

Cash out to your bank account or an e-wallet. The money leaves Paybis immediately; how fast it lands depends on your bank.

Swap

Swap crypto for crypto

Move between 100+ assets without touching fiat. The pair and the rate are quoted up front, so you know the trade before you take it.

Convert

Convert crypto and fiat

Turn 65+ fiat currencies into crypto and back — USD, EUR, GBP, JPY, CAD, AUD, CHF and more — without opening a bank account abroad.

Pay in and cash out the way your country already works

Buy with a card, Apple Pay, Google Pay, PayPal, Skrill, Neteller, a bank transfer, or country rails like Pix in Brazil, BLIK in Poland and SPEI in Mexico. When you sell, the money leaves Paybis instantly and lands wherever you already bank.

Unlock the power of Bitcoin

Your Paybis wallet is where the crypto lives. Here's what it does today, and what's landing next.

Wallet

Wallet

Live now. Store, send and receive Bitcoin and 100+ other assets, with full control of your balance.

Earn

Earn

Coming soon. Put idle crypto to work at up to +20% a year, with no extra steps and no hidden fees.

Pay

Pay

Coming soon. Spend the crypto you already hold, anywhere and at any time.

Questions people ask before they sign up

The ones we get asked most, in one place. If yours isn't here, support answers 24/7.

Anyone who wants to move between crypto and fiat money and wants the cost to be obvious before they commit. If you only ever trade crypto for crypto and never touch a bank, a dedicated exchange will suit you better than we will.

Yes. Paybis holds a MiCA crypto-asset service provider authorisation (27-55/2026/6) and a PSD2 payment institution licence (27-55/2026/7) in the EU, is registered as a money services business with FinCEN in the US (31000272911973) and with FINTRAC in Canada, and is PCI-DSS certified for card payments. The authorisation numbers are published on our licensing page.

There's no Paybis service fee on your first card purchase. After that the service fee is displayed upfront at checkout and depends on the payment method — bank-based methods are generally cheaper than cards. Blockchain network fees go to the network, not to us, and the exact amount of crypto you'll receive is shown before you confirm.

New users verify with an email address and phone number, and add an identity check when it's required — usually under two minutes. Verified accounts buy in a couple of minutes with no extra paperwork, and low-risk users can buy and send up to $1,000 a year under simplified verification. Larger orders can go through the OTC desk directly.

Other cryptocurrencies

Bitcoin is the start, not the whole list. Paybis supports 100+ assets, bought with the same payment methods and the same published fees.

Bitcoin

Bitcoin

The original, capped at 21 million coins.

Ethereum

Ethereum

The network most stablecoins and DeFi apps run on.

Tether

Tether

A dollar-pegged stablecoin, for sitting out volatility without leaving crypto.

USD Coin

USD Coin

A reserve-backed dollar stablecoin, audited monthly.

Solana

Solana

A high-throughput chain built for fast, cheap transactions.

Ripple

XRP

Built for cross-border payments between institutions.

Binance Coin

BNB

The token at the centre of the BNB Chain ecosystem.

Dogecoin

Dogecoin

The meme coin that refused to go away.

Cardano

Cardano

A proof-of-stake network with a research-led approach.

Polkadot

Polkadot

Connects separate blockchains into one interoperable network.

Litecoin

Litecoin

A faster, lighter sibling to Bitcoin.

Polygon

Polygon

Ethereum scaling, with low fees for everyday transfers.

From the Paybis blog

Plain-English guides to buying, selling and holding, written by the team that runs the exchange.

View all posts

What people say after they've bought

Paybis is rated 4.2 out of 5 on Trustpilot from more than 33,000 reviews. These are a few of them — the good ones, and one of the blunt ones.

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Bought Bitcoin with my card and it was in my wallet before I finished making coffee. The fee was exactly what the screen said it would be.

Verified Trustpilot review
Card purchase · United Kingdom
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I compared four places before I bought anything. Paybis was the only one that told me the fee before asking me to sign up.

Verified Trustpilot review
Bank transfer · Poland
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Sold some Ethereum and the money hit my account the next morning. No chasing support and no deductions I didn't expect.

Verified Trustpilot review
Payout · Germany
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Verification took about ten minutes, and then I never had to think about it again. Every purchase since has just gone through.

Verified Trustpilot review
First purchase · Canada
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Payout to Pix is genuinely instant, which is why I stay. But I've had two card payments declined for no clear reason and had to switch to a bank transfer to get the purchase done.

Verified Trustpilot review
Pix payout · Brazil
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My bank declined the card payment and support explained why within a few minutes, then sent me to the bank transfer instead. That went through straight away.

Verified Trustpilot review
Support · Spain
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Fair rates and the app does everything I need it to. I'd like more of the smaller coins on the list, but for the main ones it's spot on.

Verified Trustpilot review
Swap · Netherlands
starstarstarstarstar

Buying on and off for years now, and it has never once made me feel like I was being taken for a ride.

Verified Trustpilot review
Long-term customer · United States

Become a Paybis affiliate

Send people to Paybis and earn 20% of our commission on everything they go on to buy. There's no upper limit on what you can earn, and the dashboard shows you exactly what each referral brought in.

Join the affiliate programme
Become a Paybis affiliate

Your first Bitcoin is a few minutes away

Card, Apple Pay, PayPal, bank transfer or a local rail. Pick the one you already use, see the fee before you confirm, and the crypto lands in your wallet shortly after.

Buy crypto now

Risk disclosure

Investing in cryptoassets involves significant risk. Do not invest more than you can afford to lose. Prices are highly volatile and past performance is not a reliable indicator of future results, and Paybis does not provide investment advice.

Paybis Europe is authorised in the European Union as a crypto-asset service provider under MiCA (27-55/2026/6) and as a payment institution under PSD2 (27-55/2026/7), and is registered as a money services business with FinCEN (31000272911973) and with FINTRAC in Canada. Registration is not an endorsement by those authorities.

Paybis is not regulated by the Financial Conduct Authority. Cryptoasset investments are not covered by the Financial Ombudsman Service or the Financial Services Compensation Scheme, and no deposit guarantee applies.