What Is Paybis and Who Should Use It?
Paybis is a fiat-to-crypto exchange that specializes in making cryptocurrency purchases simple. Unlike traditional trading platforms with complex order books, Paybis works more like a currency exchange: you select how much crypto you want, choose a payment method, and receive coins directly to your wallet.
Founded in 2014 and headquartered in Warsaw, Poland, Paybis has processed over $2 billion in transactions and serves users in 180+ countries. The platform is registered with FinCEN (US), FINTRAC (Canada), and operates under regulatory oversight in the EU.
Paybis is designed for:
- First-time buyers who want to purchase Bitcoin without learning trading interfaces
- Credit/debit card users who need instant purchases (not all exchanges support cards)
- International users in regions where major exchanges aren’t available
- Privacy-conscious buyers who can purchase up to $1,000 without full KYC in most regions
- Businesses needing to make mass crypto payments to employees or affiliates
Paybis is NOT ideal for:
- Anyone wanting to trade hundreds of altcoins (Paybis supports ~80)
- Active traders who need charts, limit orders, or margin trading
- Users looking for the absolute lowest fees (card fees are 4-7% total)
Paybis Referral Code: 54513
Paybis
Buy & Sell Crypto with Fiat
Claim Discount
Supported Countries
- 180+ (48 US states)
Payment Methods
- Card
- Bank Transfer
- PayPal
- Skrill
- Neteller
Cryptocurrencies
- 80+ including BTC, ETH, USDT, SOL
Your Bonus
- First purchase fee-free
How to Use the Paybis Referral Code
What You Get
Using referral code 54513 waives the service fee on your first crypto purchase. The service fee is typically 0.49-2.49% depending on payment method, so this saves you money on your initial transaction.
Note: Processing fees and network fees still apply. The referral bonus covers Paybis’s commission only.
Step-by-Step Guide
1. Visit Paybis
Go to paybis.com/?refId=54513. The referral code is automatically applied through this link.
2. Select Your Purchase
Use the calculator on the homepage:
- Enter the amount you want to spend (e.g., $100 USD)
- Select the cryptocurrency you want to buy (BTC, ETH, etc.)
- See the estimated amount you’ll receive
3. Create an Account
Click Buy Now and register with your email. Paybis will send a verification code—no password needed (they use passwordless login).
4. Complete Verification (If Required)
In most regions, you can buy up to $1,000 without ID verification. For larger amounts:
| Verification Level | Requirements | Limits |
|---|---|---|
| Level 0 | Email + Phone | Up to $1,000 (most regions) |
| Level 1 | Government ID | Up to $20,000/week |
| Level 2 | Selfie + Proof of Address | Higher limits |
Verification typically takes 15-60 minutes. UK users must complete full KYC before any purchase.
5. Choose Payment Method
Paybis supports multiple options:
| Method | Speed | Fee Range | Limits |
|---|---|---|---|
| Credit/Debit Card | Instant | 4.5-7% total | $20,000/week |
| Bank Transfer (ACH/SEPA) | 1-3 days | ~1-2% total | €200,000/week |
| PayPal | Instant | Varies | Region-dependent |
| Skrill/Neteller | Instant | Varies | Region-dependent |
| Apple Pay/Google Pay | Instant | Similar to card | Region-dependent |
6. Enter Your Wallet Address
Paybis is non-custodial—crypto goes directly to your personal wallet. Enter your Bitcoin, Ethereum, or other wallet address where you want to receive funds.
If you don’t have a wallet, you can use Paybis’s built-in wallet, but for security it’s better to use your own (MetaMask, Ledger, Trust Wallet, etc.).
7. Complete Payment
Confirm the transaction details and complete payment. For card purchases, you may need to:
- Enter card details
- Complete 3D Secure verification
- Take a selfie holding your card (first-time card users)
Your crypto typically arrives within 2-15 minutes depending on blockchain congestion.
Paybis Fees Explained
Paybis charges three types of fees:
1. Service Fee (Paybis Commission)
- First purchase: FREE with referral code 54513
- Card purchases: 2.49% (after first purchase)
- Bank transfers: 0.99%
- Minimum: $2 USD per transaction
2. Processing Fee (Payment Provider)
This covers what Visa, Mastercard, or banks charge Paybis:
- Cards: 4.5% for USD/EUR/GBP (up to 6.5% for other currencies)
- Bank transfers: Lower, varies by region
- Minimum: $10 for card purchases
3. Network Fee (Blockchain)
Miners/validators charge this to process transactions:
- Bitcoin: ~$0.70-$3 depending on network demand
- Ethereum: Varies widely based on gas prices
- Stablecoins on fast networks: Usually under $1
Total Cost Example
Buying $500 of Bitcoin with a credit card (after first purchase):
| Fee Type | Amount |
|---|---|
| Service Fee (2.49%) | $12.45 |
| Processing Fee (4.5%) | $22.50 |
| Network Fee | ~$1.00 |
| Total Fees | ~$36 (7.2%) |
With referral code on first purchase:
| Fee Type | Amount |
|---|---|
| Service Fee | $0 (waived) |
| Processing Fee (4.5%) | $22.50 |
| Network Fee | ~$1.00 |
| Total Fees | ~$23.50 (4.7%) |
For lower fees, use bank transfers instead of cards.
Supported Cryptocurrencies
Paybis supports 80+ cryptocurrencies for purchase. The most popular include:
Major Coins:
- Bitcoin (BTC)
- Ethereum (ETH)
- Tether (USDT)
- USD Coin (USDC)
- Ripple (XRP)
- Solana (SOL)
- Cardano (ADA)
- Dogecoin (DOGE)
Also Available:
- Litecoin (LTC)
- Polkadot (DOT)
- Chainlink (LINK)
- Polygon (MATIC)
- Shiba Inu (SHIB)
- Tron (TRX)
- Monero (XMR)
- And 60+ more
For selling crypto back to fiat, options are more limited (~10 major coins).
Paybis vs. Other Crypto Buying Options
| Feature | Paybis | Coinbase | MoonPay | Simplex |
|---|---|---|---|---|
| Card Purchases | Yes | Yes (debit only in US) | Yes | Yes |
| Card Fees | 4.5-7% | 3.99% | 4.5% | 5-6% |
| Bank Transfer | Yes | Yes | Limited | No |
| No KYC Option | Up to $1,000 | No | No | No |
| Countries | 180+ | 100+ | 160+ | 180+ |
| Cryptos | 80+ | 200+ | 100+ | 30+ |
| Non-Custodial | Yes | No | Yes | Yes |
| First Purchase Bonus | Fee-free | Varies | No | No |
Bottom line: Paybis offers a good balance of accessibility (180+ countries, no-KYC option) and convenience (instant card purchases). Fees are competitive for card purchases but higher than trading on major exchanges.
Security and Trust
Regulatory Compliance:
- Registered with FinCEN (US)
- Licensed by FINTRAC (Canada)
- Operates under Polish regulatory authority (EU)
- Licensed in 48 US states (excluding NY and LA)
Security Measures:
- Non-custodial model (crypto goes to your wallet)
- SSL encryption
- Mandatory email verification
- Optional 2FA
- Cold storage for any held funds
Track Record:
- Operating since 2014
- No reported security breaches
- 4.4/5 rating on Trustpilot (14,000+ reviews)
- $2+ billion in processed transactions
Important Note: Paybis lacks some advanced security features found on major exchanges (like withdrawal whitelists and Google Authenticator). However, since it’s non-custodial, your crypto isn’t stored on their platform long-term.
Is Paybis Worth Using?
Use Paybis if you:
- Want to buy crypto with a credit card quickly
- Live in a country where major exchanges aren’t available
- Prefer non-custodial purchases (crypto sent directly to your wallet)
- Need to buy without full ID verification (up to $1,000)
- Value 24/7 customer support with fast response times
Look elsewhere if you:
- Plan to trade frequently (use Binance, Kraken, etc.)
- Want the lowest possible fees (use bank transfers on major exchanges)
- Need access to hundreds of altcoins
- Want advanced features like limit orders or staking
For occasional purchases, especially with a credit card, Paybis is a solid choice. The first-purchase fee waiver with code 54513 makes it worth trying.
Quick Links
| Resource | URL |
|---|---|
| Get Fee-Free First Trade | paybis.com |
| Referral Program Info | paybis.com/referral-program |
| Support Center | support.paybis.com |
| Fee Information | support.paybis.com/fees |
| Mobile App (iOS) | App Store |
| Mobile App (Android) | Google Play |
Summary
Paybis is a fiat-to-crypto exchange built for simplicity. It supports 80+ cryptocurrencies, 180+ countries, and multiple payment methods including credit cards, bank transfers, and PayPal. The platform is non-custodial, meaning your crypto goes directly to your wallet.
Fees are moderate for card purchases (4-7% total) but the first-purchase fee waiver helps. Use referral code 54513 to get your first trade with zero service fee.
▶️ Start with Fee-Free First Purchase
Frequently Asked Questions (FAQ)
No. Code 54513 waives the service fee on your first purchase. You still pay processing fees and network fees.
Yes, in 48 states. New York and Louisiana are not supported due to licensing requirements.
Usually 15-60 minutes. Some users report same-day verification; complex cases may take longer.
In most regions (excluding UK), you can purchase up to $1,000 without full KYC. Email and phone verification are still required.
Yes. The platform has operated since 2014 with no reported hacks. It’s registered with financial regulators in the US, Canada, and EU. Since it’s non-custodial, your crypto goes directly to your wallet.
$5 USD or equivalent.
Yes, but only major coins (BTC, ETH, and a few others). You can sell to bank transfer, Skrill, or Neteller.
Credit card companies charge merchants 2-4% per transaction. Paybis passes this cost through plus their own commission. For lower fees, use bank transfers.
Disclaimer: This article contains a referral link. The author may receive compensation when readers sign up using code 54513. Cryptocurrency purchases involve risk—only invest what you can afford to lose. Verify current fees and availability on the Paybis website before transacting.
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