⚠️ Affiliate Disclosure: CoinCodeCap may earn a commission through links on this page. Read our full disclosure.
Paybis is a global fiat-to-crypto platform — not a trading exchange. It’s designed for simple, fast crypto purchases using credit/debit cards, bank transfer, and PayPal across 180+ countries. Founded 2014, Warsaw-headquartered. FinCEN (US) + FINTRAC (Canada) + RAC (Poland) licensed. $2B+ in processed transactions. First purchase is zero-fee. Supports 80+ cryptocurrencies.
| 📊 Feature | Details |
|---|---|
| ⭐ Rating | 3.8 / 5 |
| Best For | Quick card/PayPal crypto purchases in 180+ countries |
| Founded | 2014 (Warsaw, Poland — UK headquarters) |
| Founders | Innokenty Isers + Konstantin Vasilenko |
| Regulation | ✅ FinCEN (US) + FINTRAC (Canada) + RAC (Poland) |
| Transactions Processed | $2B+ (daily volume ~$5M+) |
| Supported Countries | 180+ (not NY state or Louisiana in US) |
| Fiat Currencies | 50+ fiat currencies |
| Supported Cryptos | 80+ cryptocurrencies |
| Payment Methods | Credit/debit card, bank transfer, PayPal |
| First Purchase Fee | ✅ Zero — free on first card purchase |
| Affiliate Program | 20% lifetime commission on referral purchases |
| Security 2FA | ⚠️ No Google Authenticator — email/SMS only; passwordless login |
| Not Available In | NY state, Louisiana (US); some Canadian restrictions on stablecoins |
| 👉 Buy Crypto on Paybis — First Purchase Zero Fee → | |
Key Takeaways
- Paybis is a fiat on-ramp, not a trading exchange. You buy crypto and it’s delivered to your own wallet — Paybis doesn’t hold your assets (non-custodial for most users). This is fundamentally different from an exchange like Coinbase or Binance.
- FinCEN + FINTRAC + RAC Poland licensed — one of the most multi-jurisdictionally regulated fiat gateways available in 180+ countries. Founded 2014 by two fintech veterans; $2B+ processed with daily volumes exceeding $5M.
- ⚠️ Security limitation: No Google Authenticator 2FA support. The platform uses passwordless login via email codes. If your email is compromised, your Paybis wallet is at risk. For any significant amount, withdraw immediately to a personal wallet.
- First crypto purchase is zero-fee for card users. Standard card fees apply thereafter. Use discount codes when available for additional savings. The 20% lifetime affiliate commission is among the most generous in the industry.
- Canadians cannot purchase USDT or USDC on Paybis due to provincial stablecoin regulations. US users in NY and Louisiana cannot use Paybis.
⚡ Bottom Line: Paybis is the right choice for international users who want to buy crypto quickly with a card or PayPal across 180+ countries — especially in regions where major exchanges have limited card support. The $2B+ transaction history and triple-jurisdiction regulation (FinCEN, FINTRAC, RAC) build genuine trust. The lack of Google Authenticator 2FA is the biggest security gap. Always withdraw purchased crypto to your own wallet immediately.
⚠️ Risk Disclaimer: Paybis is a fiat-to-crypto gateway, not a trading platform. No Google Authenticator — use email security best practices. Not available in NY or Louisiana. This is not financial advice.
