Created automatically
Every card payment creates or fills in a customer from the email, billing name and country. Records match by email, so repeat buyers don't become duplicates.
Customer management
Every customer's payments, invoices and saved cards, on one record
Anyone who pays you becomes a customer record automatically, matched by email. See lifetime spend and what's owed or overdue, every payment, invoice, quote and subscription, and charge a saved card in a few clicks, while customers look after their own cards and receipts in your billing portal.
- Created from every payment
- Charge a saved card
- Owing and overdue filters
- A billing portal for customers
billing.lumendental.com/i/INV-2219
Lumen Dental
Invoice INV-2219 · Due Nov 3
Bill toJordan Lee| Porcelain crown, #14 | $980.00 |
|---|---|
| Crown prep & temporary | $180.00 |
| Cleaning & exam | $100.00 |
| Total | $1,260.00 |
- AMEX
- ACH
- Sent to Jordan LeeOct 20 · 9:02 AM
- Viewed by clientOct 20 · 9:14 AM
- Reminder sent automaticallyOct 27 · 9:00 AM
- Paid with Apple PayOct 27 · 9:41 AM
- Paid out to your bank ••4821Oct 27 · 2:15 PM
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
On every record
The customer file that keeps itself current
Records fill in from your payments and invoices as they happen, so the page is right without anyone keeping a CRM up to date on the side.
Money at a glance
Lifetime spend net of refunds, number of payments, average order, first and last payment, and what's outstanding or overdue.
Everything they've bought
Payments, invoices, quotes and subscriptions on one page, with a count of any open disputes.
An activity timeline
When they were added, every invoice, reminder and receipt we emailed them, and every payment, successful or failed, in order.
Billing details and private notes
A postal address and tax ID printed on their invoices and quotes, and notes your team can see and the customer never does.
Search, filter and export
Search by name or email, filter to customers who owe you or are overdue, and export what you see to CSV.
Saved cards and self-service
Charge a card on file. Let customers manage the rest.
Customers can save a card at checkout for later. Charge it from their record for a top-up, a balance or an add-on, and send them to your billing portal for everything else.
Charge a saved card
Pick the card, enter the amount and what it's for, and confirm; the description becomes the receipt line, and a double click still charges once.
Customers update their own cards
In the billing portal they remove saved cards and change the card a subscription renews on, without calling you.
A portal with your name on it
One page per business where customers sign in with an emailed link to see receipts, download invoice PDFs, review quotes and keep or cancel subscriptions.
Roles decide who can charge
Viewers can look, members can add customers and send invoices, and only owners and admins can charge a saved card.
Customers · Owing
Live- Northgate Marine$12,250.00 owed
- Lumen Dental$1,260.00 overdue
- Studio ArdenPaid in full
- Harbor & Pine CoffeePaid in full
Branded checkout
Your logo, your colours, your domain
Every payment page, invoice and receipt carries your brand. Customers pay on pay.yourbusiness.com, see your logo and colour at checkout, and get a receipt from you, not from a processor they have never heard of.
- Custom checkout domainsPoint a subdomain you own at your checkout and we handle the certificate.
- Links, invoices and emailShare a link, send an invoice, or email a checkout to a customer from the dashboard.
- Subscriptions & billing portalRecurring plans with free trials, and a portal where customers update their own card.
- Discounts, tips, tax and shippingDiscount codes, tips, pay-what-you-want, sales tax and shipping, all on the same checkout.
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
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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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
The record builds itself
You don't keep a CRM on the side. You take payments and send invoices, and the records follow.
- 1
Take a payment or add a customer
The record appears with the first card payment, or add one by hand with billing address and tax ID.
- 2
Everything attaches by email
Later payments, invoices, quotes and subscriptions land on the same customer.
- 3
Work from the record
Send an invoice, charge a saved card, or filter to everyone who's overdue and follow up.
- 4
Customers help themselves
Point them to your billing portal for receipts, invoices, quotes and card updates.
- Per card payment, saved cards included
- 2.75% + 30¢
Per card payment, saved cards included
- Team roles: owner, admin, member, viewer
- 4
Team roles: owner, admin, member, viewer
- Customers per CSV export
- 10,000
Customers per CSV export
- Extra for records or the billing portal
- $0
Extra for records or the billing portal
Get your data out
Your customer list is never locked in
Take customers and payments wherever else you work, by file, API or AI tool.
CSV export
Export the list as filtered and searched, up to 10,000 rows, from the Customers page.
QuickBooks Online and Xero
Payment exports formatted for each, plus monthly statements, from Reports.
REST API
List customers and their payments from your own software with a secret key.
AI tools over MCP
Let Claude and other AI agents look up customers and payments for you.
Who uses it
Customer management in practice
The industries that lean on this the hardest, and what it looks like for them.
Frequently Asked Questions
What does customer management include?
One record per customer with their contact and billing details, lifetime spend, what they owe and what's overdue, and every payment, invoice, quote and subscription, plus an activity timeline and private team notes. Records are created automatically from card payments and matched by email.
How do I charge a customer's saved card?
Open the customer, choose Charge card, pick one of the cards they saved at checkout, and enter the amount and what it's for. An owner or admin confirms the charge, the customer gets a receipt, and each confirmation charges once even if it's clicked twice.
What is a customer billing portal?
A page for your business where customers sign in with a link emailed to the address they paid with. They can see payments and receipts, download invoice PDFs, review quotes, keep or cancel subscriptions, and update or remove saved cards. Each sign-in link works for 60 minutes.
Can customers update the card on their subscription?
Yes. From the billing portal, or the manage link in their subscription emails, they enter a new card and the next renewal uses it. A card that a live subscription renews on can't be removed until the subscription's card is changed.
Is this a CRM?
It's a customer record built around money rather than a sales pipeline. It answers who someone is, what they've paid, what they owe and what they're subscribed to; it doesn't do deal stages or forecasting. Export to CSV or use the API to feed a sales CRM.
Can I import my existing customer list?
Add customers one at a time with their billing address and tax ID, and every card payment creates or fills in a record on its own. A bulk import isn't available yet; CSV export is.
Who on my team can see customers or charge cards?
Everyone on the team can view customers. Members can add and edit them and send invoices; only owners and admins can charge a saved card. Exports and changes to customers are recorded in the activity log.
What does it cost?
Customer records, saved cards and the billing portal come with every account at no extra cost. You pay 2.75% + 30¢ per successful card payment, 2.5% + 30¢ for your first 90 days with the launch offer, and businesses processing $1M+ a year get custom pricing.
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.
Put every customer on one record
Open a business account, claim 2.5% + 30¢ for your first 90 days, and your customer records start building from the first payment.