Paybis vs Stormgain: Fees, Security, Features & Which to Choose (2025)

Trying to choose between Paybis and Stormgain This side-by-side comparison reveals total cost (fees + spreads), security & licenses, coins/derivatives, deposits/withdrawals, and app quality. In 2 minutes you’ll see who wins for beginners, active traders, and long-term holders. Clear pros/cons, a quick verdict, and safe links to get started.

Last updated on August 16, 2025

Paybis

Stormgain

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Available Countries

United States

Yes

Europe

Yes

Latin America

Yes

India

Yes

China

Canada

Yes

United Kingdom

Yes

United States

Yes

Europe

Yes

Latin America

Yes

India

China

Canada

Yes

United Kingdom

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Paybis is ideal if:

Great for beginners seeking a fast, simple fiat-to-crypto gateway—no need to navigate complex spot or derivatives trading.
Strong if you value diverse payment flexibility and global reach, with many regional options and coverage in most countries.
Not the best fit if you're aiming for advanced trading tools or a wide altcoin selection, as it's streamlined rather than comprehensive.

Stormgain is ideal if:

Beginner-friendliness meets power – A minimalist, intuitive interface plus demo account makes it easy to learn and explore advanced trading features privately.
All-in-one crypto toolkit – Combines spot, perpetuals, indices, crypto wallets, and cloud mining in one platform for users seeking versatility in one place.
High-leverage edge, higher risk – Offers substantial leverage and innovative tools, ideal for experienced self-directed traders—but demands careful risk control.

Paybis isn’t ideal if:

If you're chasing advanced trading features, Paybis might fall short—it lacks charts, derivatives, leverage, and complex order types.
Not the best fit if you want deep altcoin variety or emerging tokens—its selection is narrower than bigger exchanges.
May feel limiting for regular traders seeking low-cost frequent trades, as it's optimized more for convenience than cost efficiency.

Stormgain isn’t ideal if:

You want broad token access – With only a handful of spot-available coins, it’s not suited for users hunting for diverse crypto holdings.
You prefer regulated platforms – As an unlicensed operation, it may not align with users who prioritize oversight within regulated environments.
You avoid high-risk strategies – Its ultra-leveraged tools are geared toward high-risk trading and may overwhelm those who prefer lower-risk, conservative approaches.

Fees & Total Costs

Spot Maker/Take

Paybis operates as a fiat-to-crypto gateway rather than a traditional exchange with maker/taker tiers, so those terms don’t apply—fees are built into the overall service cost, which may vary by payment method and amount.

StormGain doesn’t use a traditional maker-taker tiered model—with trading fees generally structured as flat percentages that may vary by pairing instead of volume-based tiers or discounts tied to holding a native token.

Futures/Derivatives

Paybis does not offer futures or derivatives trading—it’s purely focused on straightforward buy/sell crypto transactions without margin, leverage, or funding fees.

Futures trades typically incur a performance-based cost—where only profitable trades are charged a commission, plus a daily funding (swap) rate applies to open positions.

Average Spreads on Liquid Pairs

Paybis doesn’t publish typical spot spreads for pairs like BTC/USDT or ETH/USDT; instead, the rate incorporates market price plus service margin as a bundled rate.

Spreads are built into the execution price and vary by market conditions, but generally remain competitive on the most liquid BTC/USDT and ETH/USDT pairs.

Fiat Deposits & Withdrawals

You can deposit or withdraw fiat via methods like bank transfer (ACH, SEPA), Cards, Apple Pay, Skrill, Neteller, and transfers typically arrive within minutes to one business day; fees depend on method but are integrated into the service cost rather than listed separately.

Fiat can be funded via credit/debit cards or SEPA (in some regions); card payments carry a moderate fee and are processed almost instantly, while SEPA transfers are fee-free or low-cost but take one to several business days.

On-chain Withdrawals

Crypto withdrawals carry a network (blockchain) fee dictated by the network; Paybis applies no markup—they simply pass along the required fee, and users can choose low/medium/high speed.

Withdrawals involve both a fixed network fee and a small percentage fee, e.g. for Bitcoin it’s a fixed BTC amount plus a fractional percent, similar for Ethereum and other supported networks.

Hidden Costs

There are no hidden fees—Paybis transparently defines a service fee plus actual network fee per transaction; additional costs may include foreign currency conversion charges or optional expedited KYC, but nothing unexpected.

Additional potential costs include currency conversion charges when depositing or withdrawing in non-base currencies and expedited refund or closed-account processing fees for certain administrative actions.

Real-World Cost Example: “€500 BTC

When buying €500 worth of BTC, you pay Paybis’s service fee embedded in the rate plus the blockchain network fee; the total cost equals that combined; withdrawals or conversions would add the relevant network or FX fee—presented clearly during the transaction.

If you use a card, you’d pay the purchase fee embedded in the execution rate (equivalent to a flat percentage), plus the spread, and then incur the standard withdrawal cost (fixed network fee + percentage) when sending to an external wallet—totaling one overall cost that combines those elements.

Crypto Offering & Trading Features

Number of Coins & Pairs

Paybis supports about 80–90 cryptocurrencies for buying or selling, including the majority of top-cap coins (around 13 of the top 20 by market cap), but it doesn’t offer traditional trading pairs like BTC/USDT for spot market depth.

StormGain offers around 80 cryptocurrencies, with the top 20 by trading volume typically including BTC, ETH, USDT, LTC, XRP, ADA, BNB, DOT, SOL, DOGE, LINK, MATIC, BCH, APE, AVAX, SHIB, UNI, LTC, TRX, and XLM paired mostly with USDT or BTC.

Product Range

The platform is limited to fiat-to-crypto transactions only—no spot order book, margin, perpetuals, options, crypto ETFs, staking, lending, copy trading, grid bots, or DCA automation are available.

The platform supports spot and perpetuals trading, a built-in crypto wallet, cloud mining, but doesn’t offer margin, options, crypto-ETFs, staking/earn programs, loans, copy-trading, grid bots, or automated DCA features.

Liquidity

Paybis does not provide published liquidity metrics or order book depth data for BTC or ETH—its model bypasses exchange-style markets and instead uses a broker-like pricing approach for instant fiat purchases.

StormGain’s liquidity on BTC and ETH pairs is moderate—enough to handle retail-level volumes with minimal slippage; exact numbers aren’t published, but order book depth is sufficient for standard-sized trades without major price impact.

Tools

It offers just a basic buy/sell interface with no advanced trading tools—no limit/stop/OCO orders, alerting, charting, TradingView, but it does support a simple API for integration purposes.

Traders can place common order types like limit, stop-loss, and OCO; they have access to basic alerts and charting powered by a native implementation similar to TradingView, plus API and WebSocket access for advanced or automated trading.

Geographic Restrictions by Product

Since it lacks complex products like derivatives, geographic restrictions mostly affect fiat access; for example, it’s not supported in U.S. states like New York, Hawaii, or Louisiana for any services.

Certain services—most notably perpetual derivatives—are unavailable in regulated regions (for example, not accessible to users in the U.S., U.K., and some EU jurisdictions), limiting product availability by country.

Innovation

While it doesn’t run a launchpad or flexible vs locked earn, Paybis does offer value through its own crypto wallet, a fiat-to-crypto gateway, a crypto price comparison tool, and broad fiat payment flexibility for ease of access.

While there’s no launchpad or launchpool, StormGain differentiates itself with on-platform cloud mining and occasional flexible earn opportunities, allowing users to earn by holding with option of flexible withdrawal rather than long-term locking.

Security, Regulation & Custody

Operating Entity & Jurisdiction

Paybis is operated by Paybis Poland Sp. z o.o. (founded in 2023 with legal registration in Warsaw, Poland) and Paybis USA Ltd. (incorporated in Delaware in 2021), with distinct branches serving Europe and the United States respectively.

StormGain is operated by StormGain LLC, officially registered in Saint Vincent and the Grenadines, and has its main operational base in London, UK, founded around 2019/2020, combining offshore registration with a London presence for its global operations.

Licenses/Registration

The platform holds Money Services Business (MSB) registration with FinCEN (US), operates as a VASP in Poland, and also registers with FinTRAC in Canada, reflecting compliance with key regulatory frameworks across these jurisdictions.

The platform runs without formal licensing or registration under any major financial regulator (such as VASP or MiCA), operating outside the regulatory frameworks commonly applied to crypto services.

Custody

Paybis functions as a non-custodial service for most users, meaning you provide your own wallet and Paybis routes funds directly; for its optional in-platform wallet, custody is handled via Fireblocks, leveraging strong security (MPC, secure enclaves, ISO/SOC certifications), though no public proof of reserves or cold storage percentage is published.

StormGain uses its own custodial wallets with most customer funds stored in cold storage and the remainder in hot wallets for operations; it does not publish proof-of-reserves reports or details on auditing or the percentage held in cold storage.

Insurance & Protection Funds

The platform does not offer insurance or external protection schemes for stored assets—users retain control of their own funds, and any wallet held by Paybis (via Fireblocks) is not backed by an insurance fund.

There is no publicly disclosed third-party insurance or user fund protection scheme, meaning user assets are not safeguarded by insured pools or similar mechanisms.

Incident History

Paybis has not experienced any security breaches, service-wide freezes, or regulatory penalties to date, maintaining a clean operational record since its inception.

There are no publicly known major security breaches, freezing events, or regulatory penalties reported, but the lack of regulatory oversight and complete transparency means incident details—if any—are not widely documented.

Risk Controls

Security is enforced by default through two-factor authentication (email-based on desktop, fingerprint on mobile), encrypted connections, anti-phishing practices, and in its corporate product, customizable authorization policies for enhanced access control.

StormGain supports two-factor authentication (2FA), enforces strong encryption, and stores funds across hot and cold wallets; however, it lacks more advanced safeguards like IP or withdrawal-address whitelisting, sub-account divisions, or granular API permission settings.

Transparency

While Paybis does not publish periodic reserve reports or real-time wallet addresses, it offers clear terms of service, visible registration details, and a public-facing support structure—though there is no formal Service Level Agreement (SLA) or public wallet audit summary.

The platform does not offer public monthly reports, a publicly viewable wallet, or service-level guarantees; transparency around reserve levels or operational metrics remains limited.

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

Paybis accepts a wide range of fiat deposit options including credit/debit cards, bank transfers (SWIFT, SEPA, ACH), PayPal, AstroPay, M-Pesa, PIX, various local e-wallets, and mobile payment systems; minimums typically start around $5 depending on method, and processing can be instant for cards and wallets or take several business days for bank transfers.

You can fund your account using credit/debit cards or SEPA transfers (in supported regions), with minimums starting around USD/EUR 50, and card deposits are processed instantly while SEPA may take 1–3 business days.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

Users must complete a streamlined KYC process involving ID upload, address, and a selfie check, typically done in under 15 minutes; once verified, the account unlocks higher transaction limits like roughly up to $20,000 per day or $50,000 per month, while unverified accounts have very constrained functionality.

StormGain allows basic trading with minimal or no KYC; more advanced access—like higher deposit/withdrawal limits—requires submitting identity verification, but exact tiers and thresholds are not publicly detailed.

Withdrawals

Fiat withdrawals are possible via the same payment rails used for deposits (cards, SEPA, SWIFT, wallets), while crypto withdrawals allow multiple networks—fees follow network conditions and limits vary by method, with completion times ranging from instant to a few business days depending on the channel.

limits, timing & networks

Customer Support

Paybis offers 24/7 assistance via live chat and email, with response times typically fast and backed by a comprehensive knowledge base and FAQs for self-service.

StormGain offers 24/7 live chat, email support, and an extensive help center (knowledge base), with response times usually quick though occasionally slower during peak periods.

Languages & Localization

The platform operates primarily in English, displays pricing in major base fiat currencies like EUR or USD depending on region, and adapts payment methods and availability to match local regulatory and compliance frameworks.

The interface is fully available in English, and transaction data (like balances and fees) appear in local currency (e.g., EUR or USD) where applicable, with region-appropriate regulatory disclaimers shown.

App Quality & Stability

Paybis provides both mobile (iOS/Android) and web applications noted for their simplicity and reliability; performance appears stable with minimal reported crashes, and the platform sees regular updates, although detailed metrics like crash rates are not publicly disclosed.

Its mobile app boasts a high user rating (around 4.3 on Google Play with 97k+ reviews), is regularly updated, and maintains stable performance with few reported crashes.

Experience, Performance & Ecosystem

UX/UI

The Paybis platform is intuitive and designed for simplicity, with no separate “Lite” or “Pro” modes—it’s streamlined so users can quickly execute fiat-to-crypto buys without navigating advanced panels, making it ideal for first-time buyers.

learning curve & modes

Performance

Transactions generally process rapidly, even during market surges; there are seldom notable slowdowns or delays, and KYC queues are minimal—even in high-demand periods, account verification remains largely efficient.

latency & stress resilience

Education

While Paybis does not offer a full-fledged academy, simulator, or demo environment, it provides clear how-to guides and walkthroughs—some localized in Spanish—to help users understand the purchase process and relevant crypto basics.

academy, demo, Spanish content

Community

Community support is facilitated via official social media and messaging channels; they maintain active presence on platforms like Telegram and X (Twitter), and offer a referral program, although there is no dedicated forum or Discord community for users.

forums, messaging, referrals

Integrations

The platform lacks integration with trading tools like TradingView, external bots, tax services, or accounting workflows—its focus remains narrow on fiat-to-crypto access rather than trading or post-purchase tools.

tools & tax workflows

Who Each One Is Best For

Paybis is best suited to casual users or beginners who want a fast, hassle-free way to purchase crypto via familiar payment channels; it’s less appropriate for experienced traders or those seeking advanced tools, analytics, or community-driven features.

This platform shines for beginner-to-intermediate traders seeking simplicity, demo practice, cloud mining, and in-built charts—less ideal for advanced users seeking tax integrations, multi-bot automation, or granular customization.