No pre-funding
Card, wallet and bank payments from links, invoices and checkout settle into the balance you pay bills from. There's no payables account to top up first.
Bill pay
Pay vendors, contractors and suppliers from the balance your sales land in
Customer payments settle into your Anytime Capital balance, and the same balance pays everyone you owe: RTP or FedNow in seconds, same-day wire, ACH, local rails in 71+ countries, or USDC and USDT, with no separate payables account to fund.
- RTP and FedNow in seconds
- Same-day wire and ACH
- Local rails in 71+ countries
- USDC and USDT, weekends included
Your balance
$412,880.00
USD · Anytime Capital
Lukas WeberSEPA Instant€8,420.00Sending
Oliver BennettFaster Payments£5,150.00Sending
Valeria OrtizSPEIMX$184,300Sending
Camila RochaPIXR$46,900Sending
Arjun MehtaUPI₹695,000Sending
Wanjiru KamauMobile moneyKSh 1,120,000Sending
Money out
One balance in, every rail out
Most payment providers stop once you've been paid. Here the balance your customers fill is the one you pay suppliers from, so there's no transfer between providers and nothing to pre-fund.
The right rail for each payment
Instant when a contractor needs it today, a wire for a closing, ACH for routine vendors, local currency for overseas suppliers.
Recipients need nothing new
Vendors are paid to the bank account they already have, or to their own wallet for stablecoins. They don't sign up for anything.
Only owners and admins move money
Members can create invoices and payment links but can't send money out, and viewers can only look. Actions are recorded in the activity log.
Every payout traceable
Status from requested to paid, the method and estimated arrival, the ACH trace number, and the reason in words if one fails or comes back.
Books that reconcile
A payouts export, monthly statements and files for QuickBooks Online and Xero, all from Reports.
Control
Know what left, when, and on which rail
Money going out is where expensive mistakes happen, so every payout keeps its own trail you can hand to a vendor or an accountant. Payouts to your own bank work this way today.
Status from request to paid
Requested, in review, in transit and paid, or returned, failed or canceled with the reason spelled out.
Trace numbers for 'we never got it'
ACH payouts carry the trace number the receiving bank can search, so a missing-payment question is answered in one email.
What built each payout
Open a payout to see the balance activity it drew on, rolled up by payment.
Stablecoins when banks are closed
USDC and USDT sent from your business wallet settle on-chain in minutes, nights and weekends included, with no correspondent bank in the way.
Payouts
Live- Gulf Supply Co · WirePaid
- Payroll account · RTPPaid in 6s
- Supplier, Rotterdam · SEPA InstantIn transit
- Contractor · USDCConfirmed
Payouts
Get paid out to your bank, on your schedule
Sales settle into your Anytime Capital Payments balance. Today: payouts to your own bank account, standard or instant where eligible, instant sweeps into an Anytime Capital business account, RTP or FedNow transfers to any US bank, same-day domestic wires, vendor payments by ACH, local rails in 71+ countries, stablecoin payouts from your balance, crypto conversion of your balance and employee cards funded from your balance.
- Live · Standard, or instant where eligible
Payouts to your bank account
Withdraw your balance to your business bank account from Payouts whenever you like, or let automatic payouts follow your schedule. Instant delivery is offered when your account and bank are eligible, and each payout shows its expected arrival before you confirm.
- Live · Instant, 24/7
Your Anytime Capital business account
Sweep settled sales into Anytime Capital business checking in seconds, nights and weekends included, and spend it the same minute.
- Live · Seconds, any day
RTP and FedNow instant transfers
Push money to any US bank account that receives instant payments, around the clock, with confirmation the moment it lands.
- Live · Same day
Domestic wire
Fedwire for large or time-critical payments: closings, inventory, payroll top-ups and anything a counterparty wants by wire.
- Live · Same day or next day
ACH and same-day ACH
Low-touch transfers to any US bank account for vendors, contractors and your own accounts elsewhere, scheduled or on demand.
- Live · Minutes to same day
Local rails in 71+ countries
Pay suppliers in their own currency over the rail they already use (SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money), with SWIFT for everywhere else.
- Live · Minutes, including weekends
Stablecoins: USDC and USDT
Same-day on-chain transfers from your balance to a supplier, contractor or your own wallet, with no correspondent bank in the way.
- Live · Same day
Crypto liquidity
Convert balance to bitcoin, ether, solana and other assets, or crypto back to dollars, at desk-quoted rates and send it out the same day.
- Live · Instant
Employee and vendor cards
Fund physical and virtual business cards straight from your payments balance, with limits per person, team or merchant.
Balance · Anytime Capital Payments
Available to pay out
$248,310.42
+$31,904.18 today · 412 payments
Your bankBusiness accountRTP & FedNowWireACH to vendors71+ countriesUSDC & USDTCryptoEmployee cards
Payouts
One hub instead of five logins
When payments, banking and payouts share one balance, nothing waits on a transfer between providers. Sales are spendable the minute they settle, and reconciliation is one ledger.
One financial platform
Banking, payments and crypto in one account
Take money in every way your customers pay, hold it in business checking, spend it on employee cards, pay suppliers in 71+ countries and move into crypto when it makes sense, without stitching five providers together.
- PaymentsLinks, invoices, checkout, subscriptions and in person, paid out to your bank.
- Business checkingSales land in an account you can spend from the same minute.
- Employee cardsPhysical and virtual cards with limits per person and merchant.
- Global payoutsSuppliers, contractors and your own entities, paid in their currency.
- Crypto & stablecoinsAccept USDC and USDT at checkout into your business wallet, buy crypto for the business, and sell it for dollars paid to your bank.
- Bill payVendor bills with approvals, from the balance your sales land in.
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Support
A real business team, not a help-center link
Every account reaches a live US-based business team, and high-volume businesses get a shared Slack channel with the people who run payments and risk.
Live business support
Every business account
- US-based business team by phone, chat and email
- Real people who can see your account, not a ticket queue
- Help moving links, invoices and customers from your old processor
Dedicated payments team
Businesses processing $1M+ a year
- Shared Slack channel with our payments and risk team
- Named account manager and quarterly pricing review
- Custom pricing, payout schedules and reserve terms
How it works
Collect, choose a rail, send, track
Payables run from the same dashboard you get paid in, instead of a separate Friday-afternoon login.
- 1
Get paid into your balance
Payments from links, invoices, subscriptions and checkout settle into your Anytime Capital balance.
- 2
Pick the recipient and rail
A US bank account, a local account in 71+ countries, or a USDC or USDT wallet.
- 3
An owner or admin sends it
Members and viewers can't move money, so a shared login can't empty the account.
- 4
Track it and file it
Follow the status, share the trace number, and export it for your books.
- Countries on local rails
- 71+
Countries on local rails
- Roles that can move money: owner and admin
- 2
Roles that can move money: owner and admin
- Stablecoin sends from your business wallet
- 24/7
Stablecoin sends from your business wallet
- Monthly platform fees
- $0
Monthly platform fees
Who uses it
Bill pay in practice
The industries that lean on this the hardest, and what it looks like for them.
Frequently Asked Questions
How do I pay a vendor from my Anytime Capital balance?
An owner or admin sends money from the balance your payments settle into: to a US bank account by RTP or FedNow, same-day wire or ACH, to a local account in 71+ countries, or to a USDC or USDT wallet. The vendor doesn't need an Anytime Capital account.
What's the fastest way to pay a contractor?
Today, from your business wallet: USDC or USDT on-chain, which arrives in minutes including weekends. RTP or FedNow, which land in seconds, any day, at any US bank that receives instant payments, and local rails such as SEPA Instant, Faster Payments and PIX, which usually take seconds to minutes.
Can I pay international suppliers in their own currency?
Local rails in 71+ countries: SEPA Instant (EUR), Faster Payments (GBP), SPEI (MXN), PIX (BRL), UPI (INR), PayNow (SGD) and mobile money in Kenya and West and Central Africa, with SWIFT everywhere else. The supplier will receive local currency and the exchange cost is shown before you send.
Do I need a separate account to pay bills?
No separate account: bills are paid from the same Anytime Capital balance your customer payments settle into, so there's no transfer between providers and nothing to pre-fund.
Who on my team can send payments?
Owners and admins. Members can create invoices, payment links and products but can't move money, and viewers can only see payments, orders and the balance. Each person signs in with their own login.
How do I track a payment I sent?
Open it on the Payouts page: it shows the status from requested to paid, the method, the estimated arrival, the ACH trace number the receiving bank can search, and the reason if it failed or came back.
What does it cost to pay bills?
There is no monthly fee for bill pay. Any fee for a particular rail or currency conversion is shown in your dashboard before you send, and listed on our fees and limits page.
Can I pay vendors with stablecoins?
Yes, from your business wallet: send USDC or USDT to a supplier, contractor or your own wallet the same day, weekends included, with no correspondent bank in between. Stablecoin payouts straight from your payments balance.
What can I pay out today?
Payouts to your own bank account, standard or instant where eligible, instant sweeps into an Anytime Capital business account, RTP or FedNow transfers to any US bank, same-day domestic wires, vendor payments by ACH, local rails in 71+ countries, stablecoin payouts from your balance, crypto conversion of your balance and employee cards funded from your balance, from Payouts in the dashboard or on your automatic schedule, and stablecoin sends from your business wallet.
Is Anytime Capital a bank?
Anytime Capital is a fintech company, not a bank. Payment processing, banking and payout services are provided by our licensed partners, and the applicable disclosures for each product are shown at sign-up and in the site footer.
Works with
The rest of the account
Everything here runs on the same balance and the same customer record, so nothing needs integrating to anything else.
Pay suppliers from the balance your sales built
Open a business account, claim 2.5% + 30¢ for your first 90 days of card payments, and pay vendors from the same balance on whichever rail suits each one.