Paysmaker review
Updated 22 September 2026 · compiled by the editorial team from the services' own pages
Paysmaker is an instant exchange. It scores 95/100 and sits at place 3 in the ranking. Below is what the service publishes about itself, with the page it was taken from.
What it offers
| Account needed | no |
| Fixed rate | available |
| Networks | wide |
| Support | 24/7 chat |
| Rules stated up front | yes |
| Coins supported | 300+ |
| Working since | 2021 |
| Fee | not published by the service |
| Minimum swap | not published by the service |
| Swap time | not published by the service |
| Verification | not published by the service |
| Limits | not published by the service |
Checked on the service pages: https://paysmaker.com/ — 2026-09-22. Facts only: numbers that a service does not publish are not invented here.
How Paysmaker works
Paysmaker quotes its own price and swaps against its own liquidity: one screen, one address to send to, no order book and no balance kept for you. What you compare between such services is the quote, the minimum and how they behave when a transfer sticks.
Support answers in chat around the clock — on a stuck transfer that is the difference between minutes and a day.
The service lists 300+ coins, so rare pairs are more likely to be there than on a short list, and it has been running since 2021 — 5 years, which covers at least two full market cycles.
Paysmaker next to SimpleSwap
The two sit on the same score in the table. Where they actually differ: support (24/7 chat against email); the coin list (300+ against 2800+); time on the market (since 2021 against 2018). Everything else the method scores is the same for both, which is why the gap is what it is and not larger.
Where the score comes from
| Criterion | Points | Why |
|---|---|---|
| No account needed | 30/30 | A swap that needs no sign-up leaves no balance to freeze. |
| Fixed rate available | 25/25 | A locked quote protects the payout when the network is slow. |
| Networks covered | 20/20 | Cheap networks (TRC-20, BEP-20) decide the final amount. |
| Support reachable | 15/15 | A stuck transfer is resolved by people, not by a status page. |
| Rules stated up front | 10/10 | AML and limits said before the transfer, not after. |
| Coins supported | 4/8 | A pair that is not listed cannot be swapped at any rate. |
| Years in operation | 4/6 | A service that survived two market cycles has a track record. |
Strong
- No account, no balance to freeze
- Rate can be locked before you send
- Wide network coverage, including cheap ones
- Rules and limits stated before the transfer
Weak
- The fee is not published — you see it only inside the quote
- The minimum is not published either: it shows up in the form
- Swap time is not stated anywhere, so there is nothing to hold them to
Who Paysmaker fits
Suits a one-off swap where you do not want to open anything: Paysmaker moves coins from your wallet to your wallet and holds nothing in between, and with 300+ coins listed the odd pair is usually there.
Does not fit if you need a venue for regular trading with an order book — this is a swap service, not an exchange desk.
Support here is 24/7 chat. On a stuck transfer that is the difference between an answer in minutes and an answer tomorrow, which is why it is scored.
Where to check Paysmaker yourself
Everything in the tables above comes from https://paysmaker.com/, read on 2026-09-22. Open it and look for «account», «verification» and «fixed rate» — those three answers are the bulk of the score. The rest is visible on the quote screen: start a swap and stop before sending, nothing leaves your wallet while you look.
The full five-minute routine is on how we check. If something here is out of date, the table is wrong and not the service — write and it is corrected.