Paymium Review 2026
Learn more about TU’s methodology
- $1
- Proprietary platform
- Investment programs
Our Evaluation of Paymium
Learn more about TU’s methodology
Paymium is a cryptocurrency exchange with higher-than-average risk and the TU Overall Score of 3.34 out of 10. Having reviewed trading opportunities offered by the company and reviews posted by Paymium clients on our website, Traders Union expert Anton Kharitonov recommends users to consider a more reliable broker with better conditions, as, according to reviews, many clients of this broker are not satisfied with the company’s work.
The key specifics of the Paymium cryptocurrency exchange include maximum security of funds, officially licensed, and state regulated.
How we tested Paymium
Traders Union has analyzed financial markets for over 14 years, evaluating brokers based on 250+ transparent criteria, including security, regulation, and trading conditions. Our expert team of over 50 professionals regularly updates a Watch List of 500+ brokers to provide users with data-driven insights. While our research is based on objective data, we recommend that users perform independent due diligence and consult official regulatory sources before making any financial decisions.
Learn more about our methodology and editorial policies.
Brief Look at Paymium
The Paymium cryptocurrency exchange was created in 2011 in France and is headquartered in Paris. Paymium is a subsidiary of UAB PAYRNET and is registered with the number 305264430. The company presents itself as the first Bitcoin exchange and is certified by the EU to provide payment services using digital currencies.
Paymium accommodates sellers and separate payment systems by receiving crypto payments without the risks associated with fluctuations in fiat rates.
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- Official registration with the French regulator L'Autorité des marchés financiers (AMF) with the number E2021-011;
- Its interface is not overloaded with unnecessary elements. Anyone can get comfortable with the functions of the exchange’s website;
- Secure service. Over 90% of the assets are stored in cold wallets;
- Centralization. This exchange’s business is regulated by the state and European regulatory bodies;
- A convenient interface and every client gets a personal manager;
- Minimum fees for working with crypto and fiat currencies;
- Commercial offers for large clients;
- Funds can be added to accounts in different ways, including SEPA and SWIFT.
- Limited number of cryptocurrency pairs;
- Deposits and withdrawals require mandatory verification;
- Limited number of language versions of the website.
TU Expert Verdict
Chief Analytics Officer
Paymium is a cryptocurrency exchange founded in France in 2011 that offers trading of Bitcoin and Ethereum pairs with the euro through a proprietary platform powered by TradingView. The platform is officially registered with French regulator AMF, supports both verified and unverified accounts, and provides a user-friendly interface with mandatory KYC verification. Most client assets are secured in cold wallets, and the exchange implements two-factor authentication to enhance safety. Fees are competitive, with spot trading commissions for makers at 0.15% and takers at 0.25%, and negative fees offered for makers.
However, a notable drawback is that Paymium is not regulated as a Tier-1 exchange or by any government authority, which may be significant for those prioritizing the highest possible oversight. Other disadvantages include a very limited selection of only two supported cryptocurrencies, the absence of advanced instruments such as staking or derivatives, and restricted availability for U.S. residents. Paymium may not be suitable for traders who require broad asset coverage, advanced investment tools, or top-tier regulatory protection.
Paymium Summary
| 💻 Trading platform: | Proprietary platform powered by TradingView |
|---|---|
| 📊 Accounts: | Verified and unverified accounts on a P2P platform |
| 💰 Account currency: | EUR, BTC, and ETH |
| 💵 Deposit / Withdrawal: | Debit and credit cards, Р2Р cryptocurrency trades, and external services |
| 🚀 Minimum deposit: | $1 |
| ⚖️ Leverage: | 1:1 |
| 💼 Copy Trading: | No |
| 📈️ Min Order: | No |
| 💱 Commission: | Spot: 0.15%-0.25% |
| 🔧 Instruments: | 2 supported coins, Fiat. |
| 💹 Margin Call / Stop Out: | No |
| 🏛 Liquidity provider: | No |
| 📱 Mobile trading: | Yes |
| ➕ Affiliate program: | Yes |
| 📋 Order execution: | No |
| ⭐ Trading features: | Investment programs |
| 🎁 Contests and bonuses: | Offered regularly |
The French centralized Paymium exchange charges market average fees of up to 0.5% from takers. And for makers, the fees are negative, i.e., the exchange pays them 0.1% of their transactions.
Paymium Key Parameters Evaluation
Regulation and Safety
With a 5.25/10 score, Paymium demonstrates a moderate level of security and regulation. While the platform meets basic safety standards, it may not offer the same level of protection as higher-rated exchanges.
- 2FA
- No successful hacks history
- Cold wallet storage
- Not U.S regulated
- No facial recognition
Paymium Security Factors
We also compared Paymium against the top two competitors with the highest scores in our overall ranking based on the most critical security indicators.
| Paymium | Kraken | Coinbase | |
| Tier-1 regulation | No | Yes | Yes |
| Government-regulated | No | Yes | Yes |
| Investor protection fund | No | No | Yes |
| 2FA | Yes | Yes | Yes |
| Facial recognition | No | No | No |
| Cold wallet storage | Yes | Yes | Yes |
| Successful hacker attacks | No | No | Yes |
Is Paymium a regulated crypto exchange?
Paymium is not currently regulated by any government authority, which is still a common occurrence in the cryptocurrency industry. While this doesn't automatically mean Paymium is unreliable, government-regulated exchanges are generally considered more reliable due to the added oversight and client protection they offer.
Is verification (KYC) mandatory at Paymium?
Yes, KYC verification is mandatory at Paymium. You will need to complete the verification process before you can open an account and access the platform's full range of services.
Is Paymium available in the USA?
Paymium is not available in the USA due to regulatory restrictions. In some cases, access might differ by state, so we recommend confirming details with the platform’s support or checking the official website for the latest updates.
You may also consider the top 3 exchanges that are available in the USA and rank highly based on our methodology: Kraken, Coinbase, OKX .
Paymium commissions and fees
Paymium received a 5.7/10 score for its trading fees. While Paymium is not the cheapest crypto exchange, the fees remain reasonable and competitive within the market.
- Spot fee below industry average
- No deposit fee
- Withdrawal fee may be applied
- P2P fee applied
What are Paymium trading fees?
We analyzed Paymium’s crypto fees and compared them to the top two competitors, both of which hold high average positions in our rankings. To establish a comprehensive benchmark, we also calculated the average fee score based on an evaluation of over 100 cryptocurrency exchanges.
Paymium trading fees vs competitors
| Paymium | Nexus Trade | CoinMetro | Industry average | |
| Spot, maker fee (%) | 0.15 | 0.22 | 0.1 | 0.15 |
| Spot, taker fee (%) | 0.25 | 0.22 | 0.2 | 0.194 |
What are Paymium deposit and withdrawal fees?
| Deposit fee, % | 0 |
| Withdrawal fee, % | 0.0005 BTC |
Does Paymium offer P2P trading?
No, Paymium does not support P2P transactions. However, you can explore the best alternatives in our dedicated list of top P2P exchange platforms, offering a variety of secure options for peer-to-peer transactions.
Deposit and Withdrawal
Paymium received a 4/10 rating for its deposit and withdrawal services. Paymium offers limited funding options and may charge fees, which could be inconvenient for many users.
- Bank transfers for deposits and withdrawals
- Many cryptocurrencies for deposits and withdrawals
- No deposit fees
- No support for bank card payments
- No P2P transfer option
Deposit and withdrawal options
Paymium supports the following deposit and withdrawal options: Bank transfers, Crypto.
Paymium Deposit and withdrawal options vs competitors
| Paymium | Kraken | Coinbase | |
| Bank transfers | Yes | Yes | Yes |
| Bank card | No | Yes | Yes |
| Crypto | Yes | Yes | Yes |
| PayPal | No | Yes | Yes |
What is Paymium minimum deposit?
The minimum deposit at Paymium is 5 USD/USDT or 1 BTC. The minimum trade size is 1 USD/USDT, which also serves as the minimum amount required to start trading on the platform.
Paymium minimum deposit vs competitors
| Paymium | Kraken | Coinbase | |
| Minimum deposit, USD or USDT | 5 | 10 | 10 |
| Minimum deposit, BTC | 1 | 1 | 1 |
| Minimum trade amount, USD/USDT | 1 | 1 | 2 |
Does Paymium support fiat money?
Paymium supports fiat currency trading and account funding. The following fiat currencies are accepted:
Supported coins & markets
Paymium received a score of 2/10 in this category, indicating a modest offering of assets and markets. While Paymium covers essential trading functions, the number of supported coins, fiat currencies, and investment tools may be insufficient for users seeking more comprehensive options.
- Fiat currencies supported
- Other supported products
- Crypto futures not available
- Staking not available
Paymium supported coins and markets vs competitors
We compared Paymium with leading exchanges in terms of supported coins, NFT access, and derivatives like futures and options to help users assess the platform’s product range and trading flexibility.
| Paymium | Kraken | Coinbase | |
| Supported coins | 2 | 278 | 249 |
| Futures/Perpetual contracts | No | Yes | Yes |
| Options | No | No | No |
| NFTs | No | Yes | Yes |
Paymium passive income options vs competitors
We also compared Paymium with top competitors in terms of passive income opportunities such as staking, farming, and copy trading, to help users evaluate the platform’s earning potential beyond regular trading.
Contacts
| Foundation date | 2011 |
|---|---|
| Registration address | PAYMIUM 73, rue du Château, 92100 Boulogne-Billancourt FRANCE |
| Official site | https://www.paymium.com/ |
| Contacts |
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