Overview
Paybis, at a glance.
Paybis is a crypto-asset service provider and payment institution headquartered in Latvia, regulated by Bank of Latvia, FinCEN. Pricing is agreed with each client. Opening an account takes 3–5 days. Non-residents are accepted: owners and directors do not need to live in the country where the company is registered.
Paybis's terms say crypto held in its MPC custody stays the client's property and that Paybis is responsible for its custody under MiCA. It does not say how fiat balances on the virtual IBANs are safeguarded; they are not bank deposits.
Why businesses pick Paybis
- Fiat and crypto in one corporate balance
- Named virtual IBANs, with SEPA, SEPA Instant, Faster Payments and SWIFT
- MiCA crypto licence and payment institution licence from the Bank of Latvia
- Owners and directors may live outside the company's country
- Business verification in under 24 hours, by Paybis's account
Watch out for
- No prices published
- Each fiat payment must be at least USD 1,000
- Companies in India, the US and 22 other refused jurisdictions are turned away
- No cards
- Arms, energy, pharmaceutical, public-sector, NGO and tobacco businesses refused
Business fit
Will Paybis accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on Paybis's published rules
Likely fit
Paybis lists both United Kingdom companies and Crypto as accepted.
Paybis does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What Paybis publishes about the businesses it takes on.
Who Paybis serves
- Crypto
- Financial institutions
- Marketplaces
Not supported
Industries and countries Paybis does not accept, from its own published lists.
Industries
- Arms, Defense, or Military Industries
- Chemicals & Hazardous Materials
- Drugs & Pharmaceutical Products
- Energy & Utilities
- Government & Public Sector
- Non-Profits (NGOs) & Social Services
- Precious Metals, Stones & Diamonds
- Protected Species Trade
- Tobacco & Related Industries
Countries
- Afghanistan · owners
- Belarus · owners
- Central African Republic · owners
- Cuba · owners
- Congo - Kinshasa · owners
- Ethiopia · owners
- India · owners
- Iran · owners
- Iraq · owners
- Lebanon · owners
- United States · owners
- Libya · owners
- Mali · owners
- Myanmar (Burma) · owners
- Nicaragua · owners
- North Korea · owners
- Russia · owners
- Somalia · owners
- South Sudan · owners
- Sudan · owners
- Syria · owners
- Venezuela · owners
- Yemen · owners
- Afghanistan · company or owners
- Belarus · company or owners
- Central African Republic · company or owners
- Cuba · company or owners
- Congo - Kinshasa · company or owners
- Ethiopia · company or owners
- India · company or owners
- Iran · company or owners
- Iraq · company or owners
- Lebanon · company or owners
- United States · company or owners
- Libya · company or owners
- Mali · company or owners
- Myanmar (Burma) · company or owners
- Nicaragua · company or owners
- North Korea · company or owners
- Russia · company or owners
- Somalia · company or owners
- South Sudan · company or owners
- Sudan · company or owners
- Syria · company or owners
- Venezuela · company or owners
- Yemen · company or owners
Coverage
Where can you use Paybis?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
17 for payments
- EUR
- USD
- GBP
- CHF
- CAD
- JPY
- CZK
- DKK
- HKD
- HUF
- NOK
- NZD
- PLN
- SEK
- SGD
- TRY
- ZAR
Paybis says its virtual IBANs cover 38 currencies but names only PLN and AUD.
Payment reach
Not published
Who can apply
Company incorporation countries227 countries · show list
- Åland Islands
- Albania
- Algeria
- American Samoa
- Andorra
- Angola
- Anguilla
- Antarctica
- Antigua & Barbuda
- Argentina
- Armenia
- Aruba
- Australia
- Austria
- Azerbaijan
- Bahamas
- Bahrain
- Bangladesh
- Barbados
- Belgium
- Belize
- Benin
- Bermuda
- Bhutan
- Bolivia
- Bosnia & Herzegovina
- Botswana
- Bouvet Island
- Brazil
- British Indian Ocean Territory
- British Virgin Islands
- Brunei
- Bulgaria
- Burkina Faso
- Burundi
- Cambodia
- Cameroon
- Canada
- Cape Verde
- Caribbean Netherlands
- Cayman Islands
- Chad
- Chile
- China
- Christmas Island
- Cocos (Keeling) Islands
- Colombia
- Comoros
- Congo - Brazzaville
- Cook Islands
- Costa Rica
- Côte d’Ivoire
- Croatia
- Curaçao
- Cyprus
- Czechia
- Denmark
- Djibouti
- Dominica
- Dominican Republic
- Ecuador
- Egypt
- El Salvador
- Equatorial Guinea
- Eritrea
- Estonia
- Eswatini
- Falkland Islands
- Faroe Islands
- Fiji
- Finland
- France
- French Guiana
- French Polynesia
- French Southern Territories
- Gabon
- Gambia
- Georgia
- Germany
- Ghana
- Gibraltar
- Greece
- Greenland
- Grenada
- Guadeloupe
- Guam
- Guatemala
- Guernsey
- Guinea
- Guinea-Bissau
- Guyana
- Haiti
- Heard & McDonald Islands
- Honduras
- Hong Kong SAR China
- Hungary
- Iceland
- Indonesia
- Ireland
- Isle of Man
- Israel
- Italy
- Jamaica
- Japan
- Jersey
- Jordan
- Kazakhstan
- Kenya
- Kiribati
- Kosovo
- Kuwait
- Kyrgyzstan
- Laos
- Latvia
- Lesotho
- Liberia
- Liechtenstein
- Lithuania
- Luxembourg
- Macao SAR China
- Madagascar
- Malawi
- Malaysia
- Maldives
- Malta
- Marshall Islands
- Martinique
- Mauritania
- Mauritius
- Mayotte
- Mexico
- Micronesia
- Moldova
- Monaco
- Mongolia
- Montenegro
- Montserrat
- Morocco
- Mozambique
- Namibia
- Nauru
- Nepal
- Netherlands
- New Caledonia
- New Zealand
- Niger
- Nigeria
- Niue
- Norfolk Island
- North Macedonia
- Northern Mariana Islands
- Norway
- Oman
- Pakistan
- Palau
- Palestinian Territories
- Panama
- Papua New Guinea
- Paraguay
- Peru
- Philippines
- Pitcairn Islands
- Poland
- Portugal
- Puerto Rico
- Qatar
- Réunion
- Romania
- Rwanda
- Samoa
- San Marino
- São Tomé & Príncipe
- Saudi Arabia
- Senegal
- Serbia
- Seychelles
- Sierra Leone
- Singapore
- Sint Maarten
- Slovakia
- Slovenia
- Solomon Islands
- South Africa
- South Georgia & South Sandwich Islands
- South Korea
- Spain
- Sri Lanka
- St. Barthélemy
- St. Helena
- St. Kitts & Nevis
- St. Lucia
- St. Martin
- St. Pierre & Miquelon
- St. Vincent & Grenadines
- Suriname
- Svalbard & Jan Mayen
- Sweden
- Switzerland
- Taiwan
- Tajikistan
- Tanzania
- Thailand
- Timor-Leste
- Togo
- Tokelau
- Tonga
- Trinidad & Tobago
- Tunisia
- Türkiye
- Turkmenistan
- Turks & Caicos Islands
- Tuvalu
- U.S. Outlying Islands
- U.S. Virgin Islands
- Uganda
- Ukraine
- United Arab Emirates
- United Kingdom
- Uruguay
- Uzbekistan
- Vanuatu
- Vatican City
- Vietnam
- Wallis & Futuna
- Western Sahara
- Zambia
- Zimbabwe
Owner nationality and residency227 countries · show list
- Åland Islands
- Albania
- Algeria
- American Samoa
- Andorra
- Angola
- Anguilla
- Antarctica
- Antigua & Barbuda
- Argentina
- Armenia
- Aruba
- Australia
- Austria
- Azerbaijan
- Bahamas
- Bahrain
- Bangladesh
- Barbados
- Belgium
- Belize
- Benin
- Bermuda
- Bhutan
- Bolivia
- Bosnia & Herzegovina
- Botswana
- Bouvet Island
- Brazil
- British Indian Ocean Territory
- British Virgin Islands
- Brunei
- Bulgaria
- Burkina Faso
- Burundi
- Cambodia
- Cameroon
- Canada
- Cape Verde
- Caribbean Netherlands
- Cayman Islands
- Chad
- Chile
- China
- Christmas Island
- Cocos (Keeling) Islands
- Colombia
- Comoros
- Congo - Brazzaville
- Cook Islands
- Costa Rica
- Côte d’Ivoire
- Croatia
- Curaçao
- Cyprus
- Czechia
- Denmark
- Djibouti
- Dominica
- Dominican Republic
- Ecuador
- Egypt
- El Salvador
- Equatorial Guinea
- Eritrea
- Estonia
- Eswatini
- Falkland Islands
- Faroe Islands
- Fiji
- Finland
- France
- French Guiana
- French Polynesia
- French Southern Territories
- Gabon
- Gambia
- Georgia
- Germany
- Ghana
- Gibraltar
- Greece
- Greenland
- Grenada
- Guadeloupe
- Guam
- Guatemala
- Guernsey
- Guinea
- Guinea-Bissau
- Guyana
- Haiti
- Heard & McDonald Islands
- Honduras
- Hong Kong SAR China
- Hungary
- Iceland
- Indonesia
- Ireland
- Isle of Man
- Israel
- Italy
- Jamaica
- Japan
- Jersey
- Jordan
- Kazakhstan
- Kenya
- Kiribati
- Kosovo
- Kuwait
- Kyrgyzstan
- Laos
- Latvia
- Lesotho
- Liberia
- Liechtenstein
- Lithuania
- Luxembourg
- Macao SAR China
- Madagascar
- Malawi
- Malaysia
- Maldives
- Malta
- Marshall Islands
- Martinique
- Mauritania
- Mauritius
- Mayotte
- Mexico
- Micronesia
- Moldova
- Monaco
- Mongolia
- Montenegro
- Montserrat
- Morocco
- Mozambique
- Namibia
- Nauru
- Nepal
- Netherlands
- New Caledonia
- New Zealand
- Niger
- Nigeria
- Niue
- Norfolk Island
- North Macedonia
- Northern Mariana Islands
- Norway
- Oman
- Pakistan
- Palau
- Palestinian Territories
- Panama
- Papua New Guinea
- Paraguay
- Peru
- Philippines
- Pitcairn Islands
- Poland
- Portugal
- Puerto Rico
- Qatar
- Réunion
- Romania
- Rwanda
- Samoa
- San Marino
- São Tomé & Príncipe
- Saudi Arabia
- Senegal
- Serbia
- Seychelles
- Sierra Leone
- Singapore
- Sint Maarten
- Slovakia
- Slovenia
- Solomon Islands
- South Africa
- South Georgia & South Sandwich Islands
- South Korea
- Spain
- Sri Lanka
- St. Barthélemy
- St. Helena
- St. Kitts & Nevis
- St. Lucia
- St. Martin
- St. Pierre & Miquelon
- St. Vincent & Grenadines
- Suriname
- Svalbard & Jan Mayen
- Sweden
- Switzerland
- Taiwan
- Tajikistan
- Tanzania
- Thailand
- Timor-Leste
- Togo
- Tokelau
- Tonga
- Trinidad & Tobago
- Tunisia
- Türkiye
- Turkmenistan
- Turks & Caicos Islands
- Tuvalu
- U.S. Outlying Islands
- U.S. Virgin Islands
- Uganda
- Ukraine
- United Arab Emirates
- United Kingdom
- Uruguay
- Uzbekistan
- Vanuatu
- Vatican City
- Vietnam
- Wallis & Futuna
- Western Sahara
- Zambia
- Zimbabwe
Company types
Companies (no NGOs or charities, none not yet incorporated)
Pricing
What does Paybis cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Not published
Monthly fee
Not published
Corporate account
Custom
Transaction fees
| Cost | Listed amount | How it is charged |
|---|---|---|
| Outgoing | ||
| SEPA | Not published | Minimum USD 1,000 per payment |
| SWIFT / international | Not published | Minimum USD 1,000 per payment |
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | Not published | Paybis says local rails in 25 fiat currencies carry no FX charge |
Crypto
| Cost | Listed amount | How it is charged |
|---|---|---|
| On-ramp (fiat to crypto) | Not published | |
| Off-ramp (crypto to fiat) | Not published |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Register
Choose Corporate on paybis.com, sign up with your email and phone, and accept the terms.
- 2
Company details
Give the country of registration, industry, entity type and why you will use Paybis.
- 3
Owners
Add every owner of 25% or more and the directors, with identity documents and a liveness check.
- 4
Review
Paybis checks the company; it says business verification takes under 24 hours.
Documents you need
Not published
FAQ
Your questions, answered.
Is Paybis a bank?
No. SIA Paybis Europe holds two licences from the Bank of Latvia: a crypto-asset service provider authorisation under MiCA (27-55/2026/6) and a payment institution authorisation (27-55/2026/7). PAYBIS USA LTD is registered with FinCEN as a money services business.
Which countries does Paybis refuse?
Its terms exclude Afghanistan, Belarus, Cuba, India, Iran, Russia, the United States and 17 other countries, plus Louisiana, New York and disputed territories. Companies must not be owned or controlled from those places.
Does Paybis accept gambling businesses?
Only with Paybis's written agreement: its terms put gambling among licensed activities it serves only when expressly agreed. Its corporate help article lists nine refused industries, gambling not among them.
How much does the Paybis corporate account cost?
Paybis publishes no corporate price list. Fiat payments are from USD 1,000 to USD 5 million each, and Paybis says local rails in 25 fiat currencies carry no FX charge.
Alternatives
How Paybis compares.
If Paybis is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 PaybisThis pageCrypto-asset service provider and payment institution |   | CryptoVirtual IBANs |
| BVNKE-money institution |   | StablecoinsEnterprise |
 BCB GroupPayment institution |  | Crypto-friendlyInstitutional |
 Fiat RepublicE-money institution |  | Crypto platformsAPI |
 MestaMoney services business | | StablecoinsAPI |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.