Licensed in the EU and registered in the US

Buy Bitcoin with a credit or debit card in minutes

Choose an amount, pay with a card, Apple Pay, Google Pay, PayPal or a bank transfer, and the crypto lands in the wallet you choose. The fee and the exchange rate are shown together before you pay.

  • verified_user

    Licence references published, so you can check them

  • support_agent

    24/7 live human support, not a bot

  • group

    5M+ customers across 180 countries

Get Started
Pricing

See the full cost before you pay

The exchange rate and the service fee are shown together at checkout, so the crypto you receive is exactly what you were quoted.

$0

Paybis service fee on your first card purchase

Bank-based methods like SEPA and ACH usually cost less than a card. Your card issuer may add its own fee.

Upfront

Fee and rate quoted together

A cheap headline fee can hide an expensive exchange rate. You see the final amount of crypto before you confirm.

35+

Payment methods, one checkout

Card, Apple Pay, Google Pay, PayPal, Skrill, Neteller, Revolut Pay, SEPA, ACH, SWIFT, BLIK, Pix and SPEI.

180

Countries, 65+ fiat currencies

Trading since 2014, with 24/7 live human support in every market we serve.

New to crypto

What is Bitcoin, in plain English

Bitcoin is a digital currency that runs on a public network instead of a bank. No company or government issues it, payments settle wallet to wallet, and the supply is capped at 21 million coins. You buy a fraction of one, never a whole coin unless you want to.

  • lock

    A settled Bitcoin payment can't be reversed, so treat every address the way you'd treat cash.

  • schedule

    The network never closes. Transfers settle 24 hours a day, every day of the year.

  • trending_up

    The price moves constantly. What you pay today can be very different tomorrow.

How it works

Get started in four steps

One account covers buying, selling, swapping and storing. You only do the setup once.

1

Create your account

Sign up with an email address and a phone number. It takes about a minute.

2

Choose how to pay

Card, Apple Pay, Google Pay, PayPal or bank transfer. Compare the total cost before you commit.

3

Verify, if you're asked

Most accounts need no documents. When a check is triggered it typically clears in under two minutes.

4

Receive your crypto

Coins arrive in your Paybis wallet, or paste an external address. Card purchases usually land in minutes.

Paying by card

How to buy Bitcoin with a credit card or debit card

Pick an amount, choose your card, confirm the total cost, and the Bitcoin arrives in the wallet you choose. These are the questions we're asked most often about paying by card.

Card purchases usually complete within minutes. You'll see the status at checkout and the coins land in your wallet once the payment is confirmed by your card issuer.

Your first card purchase carries no Paybis service fee. After that, the service fee and the exchange rate are shown together at checkout, so the amount of crypto you receive is exactly what you were quoted. Your card issuer may add its own fee, and the blockchain network fee applies to every transaction on every payment method.

Yes to both. Credit and debit cards are accepted, along with Apple Pay, Google Pay, PayPal, Skrill, Neteller, Revolut Pay, SEPA, ACH, SWIFT, BLIK, Pix and SPEI. It's the same checkout whichever you choose, with 35+ methods in total.

Card issuers decline crypto purchases for their own reasons, often as a fraud precaution, and Paybis can't override that decision. Trying another card, using a bank transfer, or telling your bank you're buying crypto usually resolves it. Our team can check the transaction with you at any hour.

Sign-up needs only an email address and a phone number. You're asked for an ID document only if a verification check is triggered, which usually takes under two minutes. Low-risk users can buy and send up to $1,000 a year with simplified verification and no full KYC.

No. Fully anonymous purchases aren't possible on any regulated exchange, Paybis included, because anti-money-laundering rules require every licensed platform to identify its customers at some level. What we can promise is a short, one-time check rather than a drawn-out process.

Yes. You set the amount you want to spend and receive the equivalent fraction of BTC, so a purchase can start from a small amount. There's no need to buy a whole coin at any point.

Bank-based methods such as SEPA and ACH generally cost less than cards, though cards are the fastest. Whichever you choose, the total cost, meaning the fee plus the exchange rate plus the network fee, is displayed upfront so you can compare before you commit.

Still weighing it up?

Our support team answers by live chat and email, 24 hours a day, before you buy as well as after.

Talk to support
Trust and scale

Why 5M+ people choose Paybis

A regulated exchange since 2014, with licences we publish by name and support you can actually reach.

5M+

Customers

Buying, selling and swapping in 180 countries since 2014.

4.2/5

Trustpilot rating

Across 33,058 reviews from real customers.

5.0

App Store rating

Google Play sits at 4.7 for the same app.

24/7

Live human support

Chat and email answered by people, every hour of the year.

Why Paybis

What every Paybis account gets you

One account buys, sells, swaps and stores, with the cost of every transaction visible before you commit.

receipt_long

Transparent pricing

The total cost, the service fee and the exchange rate together, is shown before you pay. No surprises after the fact.

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Verification in minutes

Most accounts are ready in under two minutes, and many users never have to send a document at all.

support_agent

24/7 human support

Real people on live chat and email, at any hour, ready to talk through a declined card or a stuck transfer.

Get started

Buy or sell crypto in minutes

Card purchases usually arrive within minutes, and selling back to your bank works the same way in reverse.

Get Started
Licences

Licensed in the EU and registered in the US

Plenty of exchanges say they are regulated. We publish the licence references instead, so you can check them yourself.

verified_user

MiCA CASP authorisation

Authorised in the EU to provide crypto-asset services, under reference 27-55/2026/6.

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PSD2 payment institution

Registered in the EU for fiat payment services, under reference 27-55/2026/7.

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FinCEN MSB registration

Registered in the United States as a money services business, number 31000272911973.

Market context

What buyers asked us about this month

Prices move on news. These three themes came up most often in support conversations over recent weeks.

trending_up

The halving cycle

New Bitcoin supply halves roughly every four years, with the next change scheduled for 2028. What it does to price is never guaranteed.

policy

Stablecoin rules in Europe

MiCA brought stablecoin issuers under EU supervision, which changed which dollar tokens European customers can hold.

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Institutional money arrives

Spot Bitcoin ETFs let traditional investors get exposure through a broker instead of an exchange, and that flow moves price.

Market activity

A market that never stops

Orders fill while banks are shut, at weekends and on holidays. These are the numbers behind that.

$
12.7M

Traded in the last 24 hours

Total volume across buying, selling and swaps on Paybis.

100+

Cryptocurrencies to buy

Bitcoin, Ethereum, XRP, Solana, USDT, USDC, Litecoin, Dogecoin, Cardano and BNB.

180

Countries served

With 65+ fiat currencies and 35+ payment methods available at checkout.

Mobile app

Buy and sell from your phone

The Paybis app keeps prices, your portfolio and your orders in one place, with biometric login and the same fees as the website.

  • Live prices and a portfolio view in your own currency
  • Buy, sell and swap in a few taps, with the total cost upfront
  • Biometric login and two-factor authentication as standard
Download on the App Store
Get it on Google Play
Use cases

What you can actually do with Bitcoin

It is more than a price chart. Bitcoin moves value across borders in minutes and settles at any hour of the day.

public

Send money across borders

Transfers settle in minutes, at any hour, without a correspondent bank in the middle taking a cut.

storefront

Spend it or hold it

Pay merchants that accept crypto, or leave it in your wallet for the long term. It is your call, and you can switch.

lock_clock

Hold a capped asset

Supply is fixed at 21 million coins, so no central bank can decide to issue more of it.

pie_chart

Build a portfolio

Hold Bitcoin alongside Ethereum, stablecoins and other assets, all in the one Paybis wallet.

Your wallet

Unlock the power of your crypto

Hold, swap and withdraw from one balance, in the same account you bought with. No second platform, no moving coins to get started.

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One wallet for every asset

Bitcoin, stablecoins and 100+ others sit in a single balance, valued in your own currency as prices move.

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Swap without cashing out

Move between BTC, ETH, USDT and more inside the wallet, so a change of mind doesn't mean a trip to your bank.

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Withdraw when you want to

Cash out to a bank account, card or e-wallet in 65+ fiat currencies, with the payout cost shown first.

Questions

Frequently asked questions

The other things people want to know before their first purchase.

Paybis has been trading since 2014 and is licensed rather than merely compliant: MiCA CASP authorisation in the EU (27-55/2026/6), PSD2 payment institution status (27-55/2026/7) and FinCEN MSB registration in the US (31000272911973). Fiat is handled through regulated payment providers, and two-factor authentication is on by default.

Limits depend on your verification level and the method you pay with, and they're shown inside your account. Low-risk users can buy and send up to $1,000 a year with simplified checks; going through full verification raises the ceiling substantially.

More than 100, including Bitcoin, Ethereum, XRP, Solana, USDT, USDC, Litecoin, Dogecoin, Cardano and BNB. The full list, with live prices, is on the price page.

Sell inside your Paybis wallet, or send coins in from an external wallet. Payouts go to a bank account, card or e-wallet, in the currency you choose, with the cost shown before you confirm.

Customers in 180 countries buy and sell through Paybis, in 65+ fiat currencies. Some jurisdictions are restricted by sanctions rules, and which payment methods are available varies by country. You'll see what applies to you as soon as you enter your location at sign-up.

Support answers by live chat and email 24/7, and can look at a specific transaction with you rather than sending a template. There's also a support portal of guides and a public status page for any service interruption.

Still have questions?

Live chat and email are answered 24 hours a day by real people, and there's a support portal with step-by-step guides.

Contact us
100+ cryptocurrencies

Bitcoin isn't the only option

The same checkout buys the majors and the long tail: stablecoins if you want to stay in dollars, chains for everything else.

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Bitcoin

The original: a capped supply, the deepest liquidity of any crypto asset, and the widest acceptance.

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Ethereum and other layer 1s

Ethereum, Solana, Cardano and XRP, for apps, tokens and smart contracts rather than just payments.

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Stablecoins

USDT and USDC track the dollar, useful for stepping out of a volatile market without leaving crypto.

apps

The long tail

From Litecoin and Dogecoin to BNB, with new listings added once they clear our listing review.

Learn before you buy

Resources for getting your head around crypto

Plain-English reading for people who would rather understand the thing before they buy it.

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Crypto glossary

Every term you'll meet on this site, defined without assuming you already know it.

school

Bitcoin explained

What it is, how the network moves value, and what actually happens after you press buy.

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Security and storage

How to keep an account safe, and when holding your own keys is worth the responsibility.

Latest from the blog

Crypto writing without the hype

Guides and market notes from the team, updated through the week.

Person in a gray sweater holds a blurred smartphone at a wooden table beside coffee and a notebook.

The weekly crypto digest, in five minutes

What moved in the market this week, and which of it actually matters if you're just buying your first Bitcoin.

Read the digest
Woman in a gray sweater works on a laptop at a wooden table in a bright living room.

How to cash out Litecoin to your bank

A step-by-step walkthrough of selling a smaller-cap coin, including the fees and the timing to expect.

Read the guide
Low-angle view of a blue glass skyscraper with a symmetrical grid façade against a clear sky.

Is Bitcoin legal where you live?

The short version of the rules in the EU, the US and the UK, and what regulation means for you as a buyer.

Read the guide
Reviews

Rated by the people who trade here

Independent ratings rather than hand-picked quotes. You can check every one of them yourself.

starstarstarstarstar

Rated 4.2 out of 5 by customers who bought crypto with Paybis, across more than 33,000 reviews.

Trustpilot
33,058 reviews
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Rated 5.0 on the App Store by people managing their crypto from their phone.

App Store
iOS app
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Rated 4.7 on Google Play, with reviewers calling out how quickly a first purchase completes.

Google Play
Android app
Read reviews on Trustpilot
Affiliate programme

Turn referrals into rewards

Share your link and earn a share of the fees every time someone you invite trades. Rewards land in your Paybis balance, and you can track every referral you send.

Join the affiliate programme
Ready when you are

Create your account and buy your first Bitcoin

Signing up takes about a minute, and you'll see the full cost of your purchase before you confirm it.

Create your account