💳 Credit/Debit Card Payments: Rules & Requirements
⚠️ FCA High-Risk Investment Warning:
Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more
✅ Supported Cards & Ownership Rule
We accept both Credit and Debit cards featuring the Visa or Mastercard logo.
The Golden Rule:
You can only pay using your OWN card.
Name Matching: The name on the card must match the name on the document submitted for your Paybis account verification.
Third-Party Cards: Using a friend's, relative's, or business partner's card is strictly prohibited.
📋 Pre-Transaction Checklist: Avoid Declines
Before making a payment, please ensure your card meets the following banking requirements. If you are unsure, contact your bank to check these specific settings:
| Requirement | Details |
|---|---|
| International Use |
Your card must be enabled for international online purchases. (Note: Customers in the USA and Turkey often need to manually request this activation). |
| Crypto-Friendly | Your card issuer must allow cryptocurrency purchases. Some banks block these transactions by default. |
| 3D Secure | Your card should be enrolled in 3DS security (Verified by Visa / Mastercard SecureCode). Your bank will request a code or app approval to verify the payment. |
| Spending Limits | Ensure there are no daily or monthly transaction limits on your card that would block the purchase amount. |
💸 Important Fee Warnings (Bank Charges)
Please be aware that your bank or card issuer may apply extra fees that are outside of Paybis's control.
1. Cash Advance Fee (Credit Cards)
The Risk: Some banks classify crypto purchases as "cash equivalents."
The Cost: They may charge a Cash Advance Fee (up to 5%) on top of the transaction amount.
Responsibility: This fee is charged entirely by your bank. Paybis receives none of this fee.
2. Currency Conversion (FX) Fee
The Risk: Paying in a currency different from your card's native currency (e.g., paying in USD with a EUR card).
The Cost: Your bank will apply their own exchange rate and may add a conversion fee.