Paybis Review (October 2026): Fees, US States and Licenses

Best for: Card and ACH purchases

5.6/10

US access 20%9.8
Regulation 20%3.0
Security record 15%6.0
Cost 15%5.0
Range 10%4.0
Popularity 15%4.4
Data quality 5%7.0

By Vahe Hakobyan Verified October 5, 2026 Medium confidence No affiliate links

Taker fee— Not verified
US states49 of 51
New YorkNo
Coins— Not verified
Custody— Not verified
App Store4.6 ★ · 2.8K

Our verdict

Paybis is a fiat-to-crypto on-ramp operated in the US by PAYBIS USA LTD, a Delaware company registered with FinCEN as a money services business. It states it serves 48 US states; its terms exclude Louisiana and New York, limit swaps in nine other states and bar fiat-stablecoin orders in Texas. The first card purchase carries no service fee; later fees appear at checkout.

Pros

FinCEN-registered US entity
Serves 48 US states per official site
No service fee on first card purchase

Cons

Not available in New York or Louisiana
Swaps restricted in nine additional states
No state money transmitter licenses cited in terms

Paybis fees

Maker / taker: — Not verified
Simple buy: No service fee on first card purchase; later fees shown at checkout, plus network fee
ACH deposit: — Not verified
Wire deposit: — Not verified
Card purchase: — Not verified
USD withdrawal: — Not verified
Crypto withdrawal: — Not verified
Minimum deposit: — Not verified

Is Paybis available in my state?

Paybis says it serves 48 US states; its terms of service (Oct 2026) prohibit individual customers in Louisiana and New York.

AL available
AK available
AZ available
AR available
CA available
CO available
CT available
DE available
DC available
FL available
GA available
HI available
ID available
IL available
IN available
IA available
KS available
KY available
LA not available
ME available
MD available
MA available
MI available
MN available
MS available
MO available
MT available
NE available
NV available
NH available
NJ available
NM available
NY not available
NC available
ND available
OH available
OK available
OR available
PA available
RI available
SC available
SD available
TN available
TX available
UT available
VT available
VA available
WA available
WV available
WI available
WY available

Terms list Louisiana and New York as restricted; the custodial wallet is also not offered in AL, AK, AZ, AR, CT, FL, GA, ID, IA, KY, ME, MD, MI, MN, MS, NE, NV, NM, NC, ND, OH, OK, OR, RI, SD, VT, WA and WV.

New York: No
ID check (KYC): — Not verified
Withdraw crypto: — Not verified
Funding: — Not verified

Is Paybis regulated?

FinCEN MSB

US operator: PAYBIS USA LTD
Parent company: — Not verified
State licenses: Terms cite FinCEN MSB registration no. 31000272911973 only; no state licenses or NMLS ID named
New York license: — Not verified
Founded: — Not verified
Headquarters: Tulsa, OK, USA (US entity address)

How secure is Paybis?

Proof of reserves: — Not verified
Audits: — Not verified
Insurance: — Not verified

Crypto held on a platform is not covered by FDIC or SIPC insurance.

Paybis FAQ

Is Paybis available in my state?

Paybis serves 49 of 51 jurisdictions (50 states and DC). Not available in Louisiana, New York.

Can New York residents use Paybis?

No. Paybis does not accept New York residents.

What are Paybis's fees?

Simple buy: No service fee on first card purchase; later fees shown at checkout, plus network fee.

Is Paybis regulated in the US?

US customers are served by PAYBIS USA LTD. Registrations and licenses on record: FinCEN MSB.

Alternatives to Paybis

Not financial advice. Crypto prices are volatile and you can lose everything you put in. World-Crypt earns nothing from the platforms reviewed here.