Paybis lets users buy 90+ cryptocurrencies via bank transfer. ACH, SEPA Instant, SWIFT, and local methods like Pix and BLIK offer varying speeds and fees.
Paybis, a regulated exchange with more than 7 million users, lets customers buy digital assets directly from a bank account. The platform supports 90-plus cryptocurrencies and 70 fiat currencies. Payment methods include ACH in the United States, SEPA in Europe, SWIFT for international transfers, and a range of local options such as BLIK, Pix, SPEI, and M-Pesa.
The buying process follows a standard sequence. Choose the cryptocurrency and the fiat amount. Select the payment method. Provide a wallet address – either an external one or Paybis's integrated wallet. Complete identity verification if required. Review the cost breakdown, including exchange rate, platform fee, service charge, and blockchain network fee. Authorise the payment either by linking the bank account or following manual transfer instructions. The crypto arrives once the payment settles.
ACH transfers are a common option for U.S. buyers. They clear in hours to a few business days and often carry lower fees than card payments. European users can use SEPA, including SEPA Instant, which settles eligible transfers in under 10 seconds. SWIFT takes one to five business days, depending on intermediary banks.
Paybis also integrates regional payment networks. In Poland, BLIK lets users authorise instant transfers with temporary codes. Brazil and Mexico have Pix and SPEI, central-bank-backed systems that process payments quickly. M-Pesa, a mobile money service popular in East Africa, is another option. Digital wallets such as Revolut Pay, PayPal, Skrill, and Neteller provide rapid checkout.
Banks that work with licensed crypto providers are the most reliable. Revolut, N26, and Ally Bank are among those commonly used, Paybis says. Not all banks allow crypto purchases, but many do when the transaction goes through a regulated exchange.
Processing times depend on the method. SEPA Instant is the fastest, settling in seconds. ACH can take several hours to a few business days. SWIFT typically takes one to five business days. Fees also vary; bank transfers often have lower processing fees than debit or credit cards, especially for larger amounts.
Paybis says availability depends on the user's country, the selected fiat currency, and what the checkout displays. The company does not guarantee that every method works for every user. For those seeking the quickest route, SEPA Instant in supported European markets or Pix in Brazil offer near-instant settlement. U.S. users relying on ACH should expect a wait of hours to a day. SWIFT remains the fallback for cross-border purchases where local systems are not available.
For traders who want to compare other regulated on-ramps, the best crypto brokers list covers platforms with similar bank-transfer options. The broader crypto market analysis page tracks how fiat on-ramp volumes affect liquidity and spreads.
Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.
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