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

Trying to choose between Paybis and Cointiger 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

Cointiger

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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

Yes

China

Yes

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.

Cointiger is ideal if:

Great for active traders who want to diversify across many altcoins and tap into both spot and futures markets.
Well-suited for intermediate or advanced users seeking flexible trading tools—like staking pools and basic vs. advanced platforms.
Better for self-reliant users comfortable navigating limited customer support and lower transparency around regulation.

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.

Cointiger isn’t ideal if:

Not recommended if you expect strong regulation or licensing, since CoinTiger operates without recognized oversight.
Avoid if you prioritize swift, professional support, as users often encounter slow responses and limited multilingual assistance.
Unsuitable if you prefer fully transparent platforms, due to past accusations of opaque practices and concerning user complaints.

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.

CoinTiger applies a flat maker fee of 0.08% and taker fee of 0.15% for spot trading, and these can be progressively reduced for VIP members based on trading volume—no native-token-based discounts are mentioned.

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 trading fees start at 0.025% maker and 0.07% taker, with tiered discounts for VIPs, while funding (overnight) costs are charged but specifics depend on instruments and are not publicly fixed.

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.

While exact spreads are not disclosed, CoinTiger generally relies on tight, market-driven spreads for its most liquid pairs, consistent with its emphasis on competitive pricing.

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.

CoinTiger supports fiat funding via credit/debit cards, wire transfers, Alipay, WeChat, and similar methods, with fees and processing speeds varying by payment provider and region—no standard fee schedule is published.

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.

Cryptocurrency withdrawals incur flat fees that vary by asset (e.g. ~0.0005 BTC or 5 USDT), rather than dynamic, network-based fees.

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.

CoinTiger charges no inactivity fees, but users may face third-party currency conversion charges or variable costs for express KYC or special service features depending on region.

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.

On a €500 BTC purchase, you’d incur a spot taker fee (~0.15%), face a small market spread, and if you withdrew on-chain afterward you’d pay a fixed crypto withdrawal fee—this gives a realistic, evergreen cost estimate.

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.

CoinTiger currently lists over 300 distinct cryptocurrencies and supports several hundred trading pairs; its most active top-20 by volume include giants like BTC/USDT, ETH/USDT, ADA/USDT, SOL/USDT, as well as a mix of popular altcoins.

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 offers spot trading, USDT- and coin-margined futures, and staking pools; however, it doesn’t provide options, crypto ETFs, lending, copy-trading, grid bots, or automated DCA.

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.

CoinTiger reports daily volume in the range of hundreds of millions USD, ensuring moderate liquidity; the order book depth for BTC and ETH is decent—suitable for mid-size trades—though smaller than deep-liquidity Tier-1 venues.

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 benefit from a full suite of order types including limit, stop, and OCO, plus price alerts, advanced charting tools, an API/WebSocket interface, but no built-in TradingView integration is available.

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.

Derivative access is restricted in a few regions (e.g., the US), meaning futures and advanced trading products aren’t universally available across all jurisdictions.

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.

CoinTiger has rolled out a project-listing initiative (“TCH Labs”) and staking pools, offering some flexible earn options; however, there’s no formal launchpad/launchpool or clear distinction between flexible and locked staking yet.

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.

CoinTiger was established in December 2017 and is headquartered in Singapore, operated under the umbrella of CoinTiger UAB and affiliated teams across Singapore, South Korea, and China—forming a multi-jurisdictional structure within the centralized exchange landscape.

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.

While the platform claims compliance with regulations in its operating regions, it’s not openly licensed as a VASP under major frameworks like EU’s MiCA, and concrete regulatory credentials are not prominently published.

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.

CoinTiger stores the majority of user assets in its own wallets, supported by cold storage for enhanced safety; however, it does not publish proof-of-reserves, reserve ratios, or audit reports for public verification.

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’s no clear mention of insured custodial assets or a dedicated user-protection fund—users should assume there is limited to no formal financial coverage in case of loss.

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.

CoinTiger does not have known major public incidents such as hacks, platform failures, or regulatory penalties disclosed, suggesting a relatively clean track record to date.

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.

Security features include mandatory two-factor authentication, SSL encryption, and cold storage, but the platform lacks mention of additional safeguards like withdrawal whitelisting, anti-phishing tools, granular API permissions, or structured sub-account systems.

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.

CoinTiger does not publish regular transparency reports or Service Level Agreements, nor does it provide public wallet addresses for third-party inspection, offering limited external visibility into operational practices.

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.

CoinTiger accepts fiat deposits through credit/debit cards, wire transfers, SEPA, ACH, SWIFT, Apple Pay, UnionPay, and similar e-wallets; deposit minimums and maximums vary by method and jurisdiction, with processing times ranging from near-instant (cards/e-wallets) to several days depending on bank systems.

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.

CoinTiger allows basic usage without KYC, enabling daily withdrawals up to approximately 2 BTC; to access higher limits such as 10 BTC daily, as well as full fiat features, users must complete a KYC verification process.

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.

Crypto withdrawals follow network-specific conditions—via ERC20, TRC20, Omni, etc.—with dynamic fees based on blockchain congestion. KYC-completed users benefit from higher withdrawal limits (up to ~10 BTC/day), rising from the base ~2 BTC/day for unverified accounts.

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.

CoinTiger provides email support and live chat (though responsiveness can be slow), and offers a knowledge base and user guides; however, 24/7 live support may not be fully robust, with varied response times reported by users.

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 available in multiple languages (e.g., English, Spanish, Chinese, French, Japanese, Vietnamese), and displays prices and balances clearly in major fiat currencies like USD or EUR; local regulatory adaptation varies by region.

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.

CoinTiger supports both Android and iOS mobile apps with modern UI and regular feature updates. While explicit crash-rate data isn’t publicly available, user sentiment suggests a generally stable experience with occasional performance lags.

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.

CoinTiger offers distinct trading modes—an introductory (Lite) interface with clean layouts for beginners, and a customizable advanced (Pro) interface featuring comprehensive charts and tools, which makes onboarding intuitive while giving experienced users the flexibility to tailor their workspace

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.

Traders generally experience swift order execution and responsive platform behavior, even during high-volume periods, though occasional lag or support delays may surface in extreme volatility—but KYC processing remains largely efficient without notable backlogs

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.

CoinTiger does not currently offer a dedicated crypto academy, demo trading, or simulators, nor localized Spanish-language educational content, focusing instead on platform-native guidance and tools rather than structured learning materials

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.

The exchange maintains an active referral program offering commission benefits, and fosters user engagement through community forums; however, there’s no emphasis on official Discord or Telegram channels in its public ecosystem descriptions

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.

CoinTiger’s advanced interface integrates TradingView charts directly, enhancing technical analysis, but lacks built-in support for external trading bots, tax tools, or accounting integrations—requiring users to rely on third-party solutions

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.

CoinTiger suits users who appreciate intuitive yet powerful tools—ideal for self-directed traders who want advanced charting in a compact UI without needing extensive educational aids or automation, and who value a broad altcoin ecosystem with fair performance.