One price or a cart of products
Charge a fixed amount, or add up to 20 products from your catalog with their images and prices pulled in. Physical products collect a shipping address automatically.
Payment links
Take payments by text, email or QR code. No website needed.
Build a branded checkout in about a minute — one price or products from your catalog, with quantities, tips, discount codes, shipping and sales tax — and share the link wherever your customers already are. Cards, Apple Pay and Google Pay at 2.75% + 30¢, no monthly fee.
- 2.75% + 30¢ per payment
- A QR code for every link
- Your logo, colour and domain
- Single-use or reusable
Wholesale roaster · pay.harborandpine.com
pay.harborandpine.com
Harbor & PineInvoice
Wholesale order #1182
12 × 5 lb Ethiopia Guji · net 15
$384.00
Pay
or pay with card
1234 1234 1234 1234
- AMEX
MM / YY
CVC
Secure checkout by Anytime Capital
Who we work with
Built for the businesses that actually run the economy
From a two-person accounting practice to a dealership floor to a touring artist's LLC — if money moves through your business, it can move through Anytime Capital.
- CPAs & Accountants
- Financial Advisors
- Boat & Auto Dealerships
- Dental & Medical Practices
- Creators & Coaches
- Music & Entertainment
- Agencies & Consultants
- Contractors & Trades
- E-commerce & Retail
- Law Firms
- Salons & Spas
- Gyms & Studios
- Restaurants & Hospitality
- Real Estate & Property
What a link can do
A full checkout, configured in one form
A payment link is a hosted checkout page, not just a price. Everything below is a switch on the link, so a one-off sale and a small online shop are built the same way.
Quantity, tips and pay-what-you-want
Let customers buy up to 99 of an item, add a 10%, 15% or 20% tip, or name their own amount above a minimum you set.
Discount codes, shipping and sales tax
Percentage or fixed-amount codes with expiry dates and redemption limits, flat shipping up to $1,000, and sales tax from the buyer's address once you turn it on.
Questions and terms at checkout
Ask up to three questions (short answer, paragraph, phone number or dropdown) and require customers to agree to your terms before they can pay.
Reusable or single-use
Keep one link open for a standard package, or make it single-use so it closes after the first payment. Deactivate and reactivate any link in a click.
What happens after payment
Show your own confirmation message or send the customer to your website, and a receipt with your logo goes out by email automatically.
Where links get used
From the quote to the counter
The gap between a customer saying yes and actually paying is where sales go missing. A link closes it inside the same text thread, email or phone call.
Deposits that hold the booking
Send a single-use deposit link before the call ends for a boat, a wedding date or a renovation, then invoice the balance.
Tickets, classes and donations
Quantity for tickets, pay-what-you-want for donations, and a dropdown question for a session time or T-shirt size.
QR codes on the counter or the truck
Download any link's QR code and print it, or open In person on a phone, key in the amount and let the customer scan.
Details your systems can use
Prefill the customer's email and a discount code in the URL, pass your own order reference, and keep metadata on every payment.
Payment links
Live- Spring service package24 paid
- Deposit · Sea Ray SDX 250Single-use · Paid
- Fall gala tickets37 paid
- Counter QR · In personWaiting to scan
One integration
Every way your customers want to pay
Cards and wallets on every checkout, bank payments on links and invoices, and stablecoins by payment request.
Cards
Every checkout, link, invoice and subscription
- Visa
- Mastercard
- AMEXAmerican Express
- Discover
- JCB
- Diners Club
- UnionPay
- Maestro
Wallets
Every checkout, including in person
- Apple Pay
- Google Pay
Bank
Payment links and invoices
- ACHACH bank debit
Stablecoins
Payment links, invoices and payment requests, paid straight to your wallet: USDC and USDT on Ethereum and Solana, USDT on Tron
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USDC.svg)
USDT
Pay later & more walletsComing soon
Not offered at checkout yet
- affirm
Bank payments switch on once your account is approved for them. Settings → Payments shows exactly which methods are on for yours.
In person
Take payments at the counter with the phone in your pocket
Key in an amount, your customer scans the code and taps to pay with Apple Pay, Google Pay or a card on their own phone. No terminal to rent, and the sale lands in the same balance as everything else.
- No hardwareAny phone, tablet or laptop becomes a register.
- Scan and tapCustomers pay on their own phone in a couple of seconds.
- Instant confirmationThe screen turns to Paid the moment the payment clears.
- Receipts by emailBranded receipts go out automatically, from you.
Scan, tap, doneHarbor & Pine Coffee
$0.00
In-person payment
123456789000
Charge $0.00Payouts
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.
Pricing
Lower card fees, and nothing hidden behind them
2.75% + 30¢ per card payment, no monthly fees, and every feature included. Processing $1M+ a year? Your rate is quoted on your volume.
Standard
2.75% + 30¢
per successful card or wallet payment
One flat online rate for Visa, Mastercard, Amex, Discover, Apple Pay and Google Pay.
- AMEX
- Bank (ACH) payments available
- Every feature included
- Live business support
Launch offer
Limited time2.5% + 30¢
for your first 90 days of card payments
Sign up through this offer and your first 90 days run at 2.5% + 30¢, then 2.75% + 30¢.
- Starts the day card payments switch on
- Applied automatically, nothing to remember
- Same features, same support
Custom
Let's talk
for businesses processing $1M+ a year
Volume tiers or interchange-plus pricing, quoted on your real mix of cards and countries.
- Shared Slack channel with our team
- Named account manager
- Custom payout schedule and terms
Included on every plan
- No monthly, setup or PCI fees
- Payment links, invoices, subscriptions and in-person
- Risk rules, 3D Secure and fraud scoring
- Branded checkout on your own domain
- API, webhooks, MCP server and test mode
- Dispute alerts and evidence built for you
How it works
From sign-up to your first payment
No store to build, no theme to pick, no plugin to install.
- 1
Open a business account
Sign up and verify your business. Card payments switch on with the details you already gave us filled in.
- 2
Create the link
Name it and price it, or pick products. Turn on quantity, tips, questions or discount codes only if you need them.
- 3
Share it
Copy the URL into a text, email or bio, add a Pay button to your site, or print the QR code.
- 4
Get paid out
Payments settle into your Anytime Capital balance, ready to pay out to your bank, instant where eligible.
- Per card or wallet payment
- 2.75% + 30¢
Per card or wallet payment
- Days at 2.5% + 30¢ with the launch offer
- 90
Days at 2.5% + 30¢ with the launch offer
- Monthly, setup or PCI fees
- $0
Monthly, setup or PCI fees
- Card networks, plus Apple Pay and Google Pay
- 8
Card networks, plus Apple Pay and Google Pay
When you outgrow a link
The same link works on your website
Every link can become a Pay button or an inline checkout on any site, and every payment through it lands on a customer record.
Pay button for any site
Paste one snippet and the checkout opens over your page. Without the script it is still a working link.
Inline checkout
Place the full checkout inside a page of your own, sized to its content.
REST API
Create, update and deactivate payment links from your own software, and get a signed webhook when one is paid.
Invoices and subscriptions
Switch to an invoice for line items, due dates and reminders, or a subscription plan for recurring billing.
Who uses it
Payment links in practice
The industries that lean on this the hardest, and what it looks like for them.
Frequently Asked Questions
How do I create a payment link?
Open Payment Links in your Anytime Capital business dashboard, enter a name and a price (or pick products from your catalog), turn on any options such as quantity, tips or discount codes, and copy the link. It takes about a minute and needs no website or code.
Do I need a website to accept payments with a link?
No. A payment link is a complete hosted checkout page with your logo and brand colour. Share it by text, email, social DM or invoice, or print its QR code; you can serve it from your own domain, such as pay.yourbusiness.com, if you want to.
How much do payment links cost?
2.75% + 30¢ per successful card or wallet payment, with no monthly, setup or PCI fees and nothing to pay for creating links. Businesses that sign up through the launch offer pay 2.5% + 30¢ for their first 90 days of card payments, and businesses processing $1M+ a year get custom pricing.
Which payment methods can customers use on a payment link?
Visa, Mastercard, American Express, Discover and other major cards, plus Apple Pay and Google Pay, are always on. Owners and admins can also turn on ACH bank payments in Settings → Payments once the account supports them.
Can one payment link be paid by many customers?
Yes. A link takes any number of payments until you deactivate it. Make it single-use and it closes itself after the first successful payment, which suits a quote or a deposit for one customer.
Can customers choose the amount, the quantity or a tip?
Yes. Pay-what-you-want lets the customer enter any amount above a minimum you set (at least $1). Quantity lets them buy up to a maximum you choose, as many as 99, and tips offer 10%, 15%, 20% or an amount they type. Pay-what-you-want works on a single price and can't be combined with quantity, tips or discount codes.
Can I collect a shipping address, sales tax and extra details?
Yes. Add flat shipping and collect the customer's shipping address, turn on automatic sales tax in Settings → Payments, ask up to three checkout questions, and require customers to tick your terms before paying. Answers are saved with the payment.
Can I use a payment link in person?
Yes. Print any link's QR code for a counter, table or van, or open In person in the dashboard, key in the amount and let the customer scan and pay with Apple Pay, Google Pay or a card on their own phone. There is no card terminal to buy or rent.
How fast do I get the money from a payment link?
Link payments settle into your Anytime Capital balance. From Payouts in the dashboard: 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, whenever you like or on your automatic schedule, with each payout's expected arrival shown before you confirm.
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.
Send your first payment link today
Open a business account, claim 2.5% + 30¢ for your first 90 days, and share a link before the end of the day — no site, no plugin, no developer.