Paybis Review for 2025 – What You Need to Know About Fees and Security

Looking for a crypto exchange that won't make your head spin? One that actually works when you need it to, doesn't nickel-and-dime you on every transaction, and—here's the kicker—hasn't been hacked even once? Yeah, those are rare. But Paybis might just be that friend who shows up on time, brings snacks, and doesn't make everything complicated.

What Paybis Actually Is (Without the Corporate Speak)

So here's the deal with Paybis. It's been around since 2014, which in crypto years is like being a dinosaur—but the cool kind that survived. They're based in Poland, and unlike exchanges that want to be the biggest kid on the playground, Paybis just wants to be the most reliable one.

And honestly? They're doing pretty well at it. They've got a 3.9 rating on Trustpilot from over 27,000 reviews—75% of them five stars. That's not nothing. They've processed over $2 billion in transactions, they're available in more than 180 countries, and they do this thing called instant verification that actually lives up to its name.

The platform is straightforward. You can buy crypto, sell it, swap it around, and store it in their native wallet. No weird gimmicks. No promises of making you a millionaire by Tuesday. Just a solid exchange that does what it says it will.

The Main Features (The Stuff You'll Actually Use)

Buying Crypto Without the Drama

The buy feature is probably what you'll hit first when you land on the site. They support around 90 cryptocurrencies—everything from Bitcoin and Ethereum to whatever meme coin is trending this week.

You can pay with credit cards, debit cards, bank transfers, or digital wallets like Skrill and Neteller. Your first transaction? Zero fees from Paybis. Just the network fees you can't escape anyway.

What makes it nice: instant withdrawals when using cards, available almost everywhere, security checks that are fast but not sloppy, and fees that won't make you wince. They process over $8 million in daily transactions, so yeah, people are using it.

Selling Crypto (With Some Limits)

The sell feature is solid, but here's where things get a bit narrow. You can only sell about 10 cryptocurrencies—Bitcoin, Ethereum, Tether, Solana, Dogecoin, and a few others. If you're holding something more obscure, you're out of luck.

You can connect your own external wallet or use Paybis's native one. There's a service fee and a network fee, both of which depend on what you're selling and how you're doing it. Some coins have minimum selling requirements too.

Swapping Crypto (No Fiat Needed)

Want to trade one crypto for another without converting to dollars first? That's what the swap feature does. You can swap any of those 10 coins you can sell for any of the 90 you can buy. It's quick, doesn't require a finance degree to figure out, and yeah, there are fees—but they're usually pretty reasonable.

👉 Want to skip the hassle and get started with a platform that makes crypto simple? Check out Paybis now

The Paybis Wallet (Actually Pretty Smart)

The native wallet is a custodial one, which means Paybis holds the keys—but they've done something clever with security. They use an MPC (Multi-Party Computation) model that fragments your private key across different parties. Translation: even if someone tries to hack it, they can't piece together your key from one place.

You can store multiple assets, track price changes in real time, and use the "Quick Buy" option when you want to grab something fast. Everything runs on-chain, so you can see every transaction. Transparency is nice.

Paybis Send (For the Corporate Types)

This one's for businesses. If your company wants to make mass crypto payments, Paybis Send lets you get an IBAN in your company's name within three days. You can receive payments through SWIFT, FPS, or SEPA, and they auto-convert fiat to crypto.

Lower fees, instant global payments, and support for over 30 currencies with no extra charges. API integration is coming soon, apparently.

What You Can Actually Buy and How You Can Pay

The Crypto Selection

When you're buying, you've got around 90 options. Bitcoin, Ethereum, Ripple, Dogecoin, Solana—the usual suspects, plus a bunch more. It's not as massive as some exchanges, but it's enough for most people.

Selling? Only about 10 major coins. Trading pairs work the same way—you can swap those 10 for any of the 90.

Fiat Currencies

Paybis supports about 50 fiat currencies. Euro, US dollar, British pound, Canadian dollar, Australian dollar, Swiss franc, Czech koruna—you get the idea. Pretty global.

Payment Methods

Here's what you can use:

• Credit or debit cards (Visa and Mastercard)

• Bank transfers (SEPA, UK Faster Payments, SWIFT)

• PayPal

• Apple Pay

• Google Pay

• Revolut Pay

• Skrill

• Neteller

• AstroPay

• PIX (Brazil)

• M-Pesa (Kenya)

Your card needs to be in your name, enabled for international payments, and support online transactions. Limits vary depending on the method—some go into the millions, others have tighter caps. Check their site for the current details.

The Fees (Yes, There Are Fees)

Your first transaction on Paybis? No service fee. You'll still pay network fees (those aren't optional), but Paybis waives its cut.

After that, fees depend on how you're paying, what currency you're using, and how much you're buying. Card purchases usually run around 4.5% or more. Bank transfers? Much cheaper—sometimes as low as 0.99% for SEPA or UK Faster Payments.

For swaps, they sometimes run promotions. Like 0.20% for swapping one crypto to another.

The final price you see includes everything—Paybis fees, network fees, third-party charges. No surprises. If you want to know exactly what you'll pay, just start filling in a transaction on their site. They'll show you the breakdown before you commit.

👉 Ready to see what your transaction will actually cost? Head to Paybis and get a real-time quote

Security (The "Has Paybis Ever Been Hacked?" Question)

Short answer: No. Never. Not once.

Paybis is registered as a Money Service Business in the US, certified by FinCEN. They require 2FA on desktop, and the mobile app can use biometric verification like fingerprint ID.

They've got a bug bounty program, anti-money laundering protocols, and a detailed KYC process. You'll need a government-issued ID, passport, or something similar to verify your account.

The MPC model we mentioned earlier? That's their secret sauce. By fragmenting your private key, they make it way harder for hackers to get in.

And again—no security incidents. Ever. In an industry where exchanges get hacked like it's a sport, that's impressive.

Where Paybis Works (And Where It Doesn't)

Paybis is available in over 180 countries. In the US, it operates in 48 states—everywhere except New York and Louisiana.

If you're in the UK, there's now a 24-hour cooling-off period for new users. Sign up, wait a day, then make your first transaction. It's a new regulation from the Financial Conduct Authority.

You can use Paybis on desktop or through their app, which is available on both Android and iOS.

Customer Support (Do They Actually Help?)

A lot of exchanges brag about 24/7 support and then leave you hanging for days. Paybis doesn't do that. They offer around-the-clock support through email, a ticketing system, and live chat on the mobile app.

Most users say they get clear, helpful responses within 30 minutes. Support is available in English, French, Korean, Arabic, Spanish, German, Italian, and Russian.

People have praised them for being proactive too—they respond to negative reviews on Trustpilot and actually try to solve problems.

How Paybis Stacks Up Against the Competition

Paybis vs. Bitget vs. Coinbase:

• Fees: Paybis has service + network fees that vary. Bitget does 0.1% maker/taker fees (20% discount for BGB holders). Coinbase is usually 0.50% + 0.99% for debit cards.

• Features: Paybis focuses on buy/sell/swap plus a native wallet and corporate send feature. Bitget has spot and margin trading, copy trading, bots. Coinbase has advanced trading tools, learn-to-earn, a crypto debit card.

• Availability: Paybis wins here—180+ countries. Bitget is in 150+ but not the US. Coinbase is in 100+.

• Ease of Use: Paybis is the simplest. Bitget is moderate. Coinbase can get complicated.

What Users Are Saying

Most people like Paybis. That 3.9 Trustpilot score isn't a fluke—75% of reviews are five stars.

People love the customer support. Fast, clear, helpful. Issues get solved without drama.

Some complaints? Fees. A few users think they should be lower. But Paybis usually responds to negative reviews and tries to address concerns.

The app gets mixed reviews. Some users have had trouble with login, verification, and withdrawals. Customer support on those issues seems hit or miss.

Is Paybis Legal?

Yeah. It's licensed in the US through FinCEN, registered in Canada with FINTRAC, and complies with Polish anti-money laundering laws. They operate legally in 48 US states and most other countries where they're available.

They don't offer financial advice, and their services aren't covered by the Bank Guarantee Fund or similar schemes. But they're upfront about that.

How to Get Started

1. Sign Up: Hit the Sign Up button on the Paybis site. Enter your email and verify it. Then enter your phone number and verify that too.

2. Add Your Info: Provide your country, state (if applicable), city, postcode, and address.

3. Verify Your Account: Upload a clear picture of your ID. Then do a 3D face scan on your phone. Verification usually takes about 5 minutes.

Once you're verified, you're good to go. Full access to everything.

The Pros and Cons

Pros:

• Never been hacked

• Simple, user-friendly interface

• Good customer support

• Available in 180+ countries

• First transaction has no Paybis fees

• MPC model for extra security

Cons:

• Only 10 cryptos available for selling

• Fees can be higher than some competitors (especially for card purchases)

• Not available in New York or Louisiana

• Some app users report issues

Final Thoughts

Is Paybis worth it? Yeah, if you want something reliable, secure, and easy to use. It's not trying to be the flashiest exchange. It's not offering a million different coins or complex trading tools. It's just doing the basics really well.

The security record alone makes it stand out. Add in decent fees, solid customer support, and a platform that doesn't make you feel like you need a PhD to use it, and you've got a good option for buying, selling, and swapping crypto. If you're looking for a straightforward exchange that won't give you a headache—or a hack—Paybis is a solid choice for getting started in crypto without the usual chaos.