Paybis vs Topper

Paybis4.2/5

VS

Topper3.7/5

Feature	PaybisVisit	TopperVisit
Ratings
Our score	4.2/5	3.7/5
User rating	No reviews yet	No reviews yet
Fees	3.5	3.0
Coverage	4.5	4.0
Payment methods	4.5	4.5
Ease of use	4.5	4.0
Support	4.0	3.0
Specs
Service	On-ramp, Off-ramp, Widget / API	On-ramp, Off-ramp, Widget / API
Payment methods	Card, Bank transfer, Apple Pay, Google Pay, SEPA	Card, Apple Pay, Google Pay, SEPA, PIX
Typical fee	First card purchase: 0 Paybis fee. Other fees are shown at checkout and included in the quoted exchange rate.	Not disclosed
Countries	180	Not disclosed
Assets	Not disclosed	250
Developer widget / API	Yes	Yes
KYC required	Yes	Not disclosed
Sell to fiat (off-ramp)	Yes	Yes
Apple Pay	Yes	Yes
Delivery time	Within minutes for card purchases, subject to payment clearance and network congestion	Instant
Company
Founded	2014	—
Headquarters	—	—
Investors	Not disclosed	Not disclosed
Strengths and weaknesses
Pros	Serves more than 180 countries and 48 US states Offers over 35 payment methods First card purchase has a Paybis fee of 0 Sends crypto directly to an external wallet	Supports 250+ crypto assets Offers cards, digital wallets and bank transfers Sends purchases to self-custodial wallets Provides debit-card selling in supported regions
Cons	Card fees and spreads vary by payment method Network fees apply to every transaction Paybis Wallet introduces custodial exposure KYC and payment options vary by region	Regional payment and off-ramp coverage varies Exact costs depend on payment method and transaction Fiat payments can involve reversals or identity checks Self-custody places wallet security outside Topper
Best for	Card-based crypto purchases, Direct wallet delivery, EU and US on-ramp users	Self-custody wallet buyers, Recurring card purchases, Brazilian Pix users

Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.

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