How To Invest in Bitcoin Conveniently Using These 4 Payment Methods

While the cryptocurrency revolution is taking the world by storm, Bitcoin has emerged as the undisputed biggest player in the crypto world.

Currently valued at over $16,000 and owning 30% of the market share, it is the crypto every investor wants to get their hands on.

There are a plethora of ways to invest in Bitcoin today. However, as an investor, you shall be looking at safe and convenient ways to invest in crypto.

If you're interested in learning how to securely invest in Bitcoin using debit cards, especially for international money transfers, this post is tailored for you. Read on to discover more.

What Is Bitcoin? 

Bitcoin (BTC) is a decentralized digital currency, often referred to as the first and most influential cryptocurrency. 

It was created to serve as a peer-to-peer form of electronic cash, enabling individuals to send and receive payments securely over the internet — without relying on a central authority such as a government, bank, or financial institution.

Unlike traditional currencies, Bitcoin operates on a distributed ledger technology called blockchain. 

This system records every transaction across a global network of computers, ensuring transparency, security, and immutability. Because no single person, group, or entity controls it, Bitcoin eliminates the need for intermediaries and gives users complete control over their funds.

Bitcoin was first introduced in 2008, when an anonymous individual or group under the pseudonym Satoshi Nakamoto published a white paper titled "Bitcoin: A Peer-to-Peer Electronic Cash System." The first block, known as the genesis block, was mined in January 2009 — marking the birth of the world's first cryptocurrency.

Over time, Bitcoin has grown from a niche experiment among cryptography enthusiasts into a global financial asset. 

It's now used for various purposes, including:

• Digital payments between individuals and businesses.
• Investment and trading, as its price fluctuates with market demand.
• A hedge against inflation, with some investors viewing it as "digital gold."
• A foundation for innovation, inspiring thousands of other cryptocurrencies and blockchain-based projects.

Today, Bitcoin remains at the heart of the cryptocurrency ecosystem — shaping financial technology, sparking regulatory discussions, and challenging traditional ideas of what money can be.

Read on to discover more about how Bitcoin works, the technology behind it, and the impact it continues to have on the global economy. 

How to Use Bitcoin in 2025

When Bitcoin (BTC) was first launched in 2009, it was designed as a peer-to-peer electronic cash system — a digital way to send and receive money without banks or intermediaries. 

While that original purpose still stands, Bitcoin's use has evolved dramatically over the years. 

Today, it's not only used as a payment method but also as an investment asset, a store of value, and a foundation for new blockchain innovations across the financial world.

Using Bitcoin for Payments

Bitcoin is now accepted by tens of thousands of merchants worldwide, from online retailers to restaurants, hotels, and service providers.

In 2025, an estimated 230,000 businesses globally accept Bitcoin and other cryptocurrencies for payments — a number that continues to grow as digital currencies become more mainstream.

Brick-and-mortar stores that accept Bitcoin usually display a small sign saying "Bitcoin Accepted Here." 

Payments can be made in seconds using a smartphone — by scanning a QR code linked to the business's wallet address or through modern point-of-sale (POS) terminals that support cryptocurrency transactions.

For online businesses, accepting Bitcoin is even easier. E-commerce platforms can integrate cryptocurrency payment gateways, offering Bitcoin as an option alongside traditional methods like credit cards, Apple Pay, or PayPal.

To make a payment, you'll need a cryptocurrency wallet, which acts as your personal gateway to the blockchain. Wallets store your private keys, allowing you to securely send and receive Bitcoin. 

These wallets can be mobile apps, desktop software, web-based accounts, or hardware devices designed for extra security.

Investing and Speculating with Bitcoin

Beyond payments, Bitcoin has become a major investment and trading asset. 

Its fixed supply of 21 million coins and decentralized design have made it appealing as a hedge against inflation and economic uncertainty.

Between 2009 and 2017, Bitcoin moved from being worth just a few cents to over $1,000 — attracting investors and institutional attention. The cryptocurrency market expanded rapidly, and exchanges such as Coinbase, Binance, and Kraken made it easier for anyone to buy and trade Bitcoin.

Bitcoin's journey hasn't been smooth — it has gone through several boom and bust cycles. After reaching a record high of around $69,000 in late 2021, the price plunged in 2022 during the crypto bear market. However, it rebounded strongly over the following years.

By early 2024, anticipation around Bitcoin Spot ETFs helped push prices into the mid-$40,000s. 

Once those ETFs were officially approved, institutional investment surged, sending Bitcoin above $50,000. In August 2025, Bitcoin reached a new all-time high of over $124,000, solidifying its position as the leading digital asset.

How to Invest in Bitcoin Conveniently using these 4 Payment Methods

There are many reasons that may drive you to invest in Bitcoin. You might simply want to join the crypto revolution. You might want to add a new dimension to grow your business and find success in the market.

For seamless crypto payments and transfers, Paybis Send provides businesses with an efficient solution to send digital assets securely. You need to be aware of platforms and payment methods that risk your security and charge you hidden fees.

Credit cards, debit cards, bank transfers, and payment wallets such as Google Pay and Apple Pay have emerged as some of the most prominent payment methods to buy and sell Bitcoin. They are safe, quick, and easy to understand and operate.

We've looked into some of the most convenient payment methods How to Buy Bitcoin UK and make your crypto investing easier. Let's dive in. 

#1. Credit card

Credit cards and debit cards are some of the most common ways used by investors to buy Bitcoin. In nature, they are similar to buying Bitcoin with automated clearing house transfers. This is of course after you've chosen a platform to trade crypto through.

To buy Bitcoin with credit card, you'll first need to enquire whether the exchange you choose allows the crypto exchange or not. Many exchanges don't allow crypto for various reasons, the most prominent of them being the risk of fraud and high processing fees.

Moreover, the charge for credit card processing is an additional charge over and above the transaction fees and processing fees a crypto transaction often has associated with it. This is because Bitcoin purchases are treated as cash advances and interest rates are usually high on them.

You stand to earn a few lucrative rewards for choosing a credit card as your payment option to purchase Bitcoin, however, they are in Bitcoin only. So, a regular Rewards Credit Card will be a Bitcoin Rewards Credit Card

a.How to buy Bitcoin with a credit card

Follow the given easy steps to buy Bitcoin via credit card as your payment option on the crypto exchange:

1. Sign up for the platform.
   
2. Enter the amount of Bitcoin (BTC) that you want to purchase in the transaction. There is the option to enter the same amount in fiat currency as well.
3. Put in your Bitcoin wallet address. It might be an online or offline Bitcoin wallet.
4. Verify basic information about yourself asked by the platform, such as your name and email address.
5. The important bit — put in a payment option of choice, which in this case will be a credit card.
6. Complete the purchase and there you go, you bought the Bitcoin.

Most platforms have a limit of minimum and maximum Bitcoin you can buy with a credit card. It usually depends on your KYC levels and account limit. 

Many platforms pride themselves in offering no maximum limit on how much crypto you can buy through your card.

However, you need to be responsible for your spending. Having no limit on your spending is suitable for big traders that make trades in huge amounts. For rookie traders, having a spending limit helps you curb overspending. 

#2. Payment wallets

Popular payment wallets such as PayPal, Apple Pay, and Google Pay offer another easy way to buy Bitcoin. We'll be focusing on the most popular one — PayPal. There are primarily two ways to use PayPal to buy Bitcoin:

a)Connect account — You'll need to connect your PayPal account to your bank account or your debit card. This way, you'll be using PayPal as the merchant to go through transactions and make payments.

The actual money goes in and out of your bank account. The primary source still remains your bank and PayPal is only a merchant to make it happen.

b)PayPal balance — You'll put money in your PayPal wallet, transferring it from your bank account. Then, you'll be using this balance to directly purchase Bitcoin from a crypto exchange.

Here, the payment made will not involve your bank account or bank, but what you have in your PayPal wallet. 

Currently, there are four prominent cryptocurrencies that can be purchased directly through PayPal. They are Bitcoin, Bitcoin Cash, Litecoin, and Ethereum. Moreover, you'll be able to use Bitcoin to purchase goods and services via PayPal — just like you would use regular money.

You'll be charged a transaction fee for each purchase of Bitcoin you make through PayPal. This amount is in correspondence with the dollar amount of the purchase of Bitcoin.

However, there is one big disadvantage when you buying Bitcoin through PayPal. The Bitcoin you purchase is not technically yours. It remains on PayPal and cannot be transferred to any other platform such as a crypto wallet or personal wallet.

One way to overcome this issue is to resort to using PayPal as a payment option on an exchange i.e., a merchant to buy Bitcoin through rather than the PayPal wallet. This way, you will be able to buy Bitcoin and transfer it to different platforms with ease. 

#3. Bitcoin ATMs

Put simply, Bitcoin ATMs are in-person exchanges for Bitcoins. Just like you would get cash out of an ATM by using your card, you can use a Bitcoin ATM to purchase Bitcoins.

Here is how you buy Bitcoin through Bitcoin ATMs:

1. Insert cash of the amount you wish to purchase Bitcoin of. Say, $100.
2. You will generate a receipt of your purchase of Bitcoin worth $100.
3. The Bitcoin will be digitally deposited into your online wallet.

Bitcoin ATMs are fairly easy to use and have been gaining prominence in recent years. The only challenge they face is available. It's not easy to find a bitcoin ATM everywhere or easily. That said, this issue is also being tackled.

More and more Bitcoin ATMs are being available for use by the general public. One popular example of this was seen when retail giant Walmart made Bitcoin ATMs available on its premises in October 2021.

Only two charges come with an ATM Bitcoin purchase. A purchase fee and a conversion fee accompany a Bitcoin purchase through an ATM. This fee is charged for converting the fiat currency to Bitcoin.

However, both fees are low in comparison to what other methods charge traders for the same transactions. Another factor to note is that you need to have government-issued identity proof to be able to make a purchase at the Bitcoin ATM. Bitcoin ATMs offer exciting opportunities for new and old investors. But if you're interested in a deeper understanding of platforms like Bitcoin IRA, consider checking out this review of Bitcoin IRA to weigh their fees and explore alternatives.

#4. P2P exchange

One direct way to purchase Bitcoin is through another user. This informal way of buying and selling Bitcoin is being regulated through some exchanges known as peer-to-peer exchanges. To buy Bitcoin through a peer-to-peer exchange, follow these steps:

1. Create an account on the exchange.
2. Post a request on the platform that you wish to buy a certain amount of Bitcoin.
3. Elaborate on details such as payment methods you wish to use and prices you are comfortable with.
4. Users willing to sell their Bitcoin and agree with your terms will get in touch with you.
5. Finalize the details with them and make the purchase.

Peer-to-peer exchange runs like any other platform where users sell and buy products amongst themselves. LocalBitcoins is an example of such an exchange. You have the option to search for the best deals and make transactions as you please.

A disadvantage of peer-to-peer exchange is that the person you trade with can turn out to be fraudulent. Although there is no anonymity on these exchanges and people need to reveal their identities to trade, users can just as easily fake their identities to defraud innocent users, especially novice users who don't know much about how the platform works.

The exchanges have come up with a handy way to combat this issue. They have rating systems for users, letting people know how credible a user is before they trade with them. 

Buy Bitcoin the safe and easy way

Bitcoin and cryptocurrency have revolutionized the market in just a decade of their emergence. As more and more traders look to invest in the biggest cryptocurrency, it's important to recognize ways that are safe and convenient.

Credit cards, debit cards, and payment wallets such as PayPal and Google Pay have emerged as some of the most popular payment options for traders all over the world.

Some alternative options such as Bitcoin ATMs and P2P exchanges have also found success with certain traders.

Let us know in the comments what you think are the most efficient ways to buy Bitcoin with ease.