Wanted to grab some XLM for fast transfers but every exchange wanted wire transfers or had crazy minimums. This was actually painless. I just used https://paybis.com/buy-stellar-lumens/ – verification took under two minutes, paid with my debit card, and the Stellar Lumens were in my wallet almost instantly. Fees were shown upfront, and you can buy up to $1000 without full KYC. First purchase had zero Paybis fee too. Saved my card for next time so future buys take like 30 seconds. If you need a quick XLM purchase without the exchange runaround, this is it.