Business debit cardsPhysical and virtual
Issue a physical or virtual card to every employee from the balance your sales land in. Details stay masked until the cardholder taps Show, temporary cards close themselves, and every card goes straight into Apple Pay and Google Pay.
BusinessCardholder
Maya Chen
Employee expense cards
Issue physical and virtual cards from the same balance your sales land in. Every card has a privacy button, a freeze switch and its own limit, and goes straight into Apple Pay and Google Pay.
BusinessCardholder
Maya Chen
Exp
••/••
CVV
•••
Details stay masked until the cardholder taps Show.
One platform
A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.
BusinessCardholder
Maya Chen
Exp
••/••
CVV
•••
TemporaryCardholder
Ads trial · Q4
Exp
••/••
CVV
•••
A privacy button keeps card details hidden until the cardholder taps Show
Temporary cards for a single purchase, a trip or a trial, that close themselves
Freeze and unfreeze in one tap; limits per person, team or merchant
Add to Apple Pay and Google Pay the moment a card is issued
Payment processing
Checkout, 3D Secure, risk rules and instant payouts in one product, at 2.75% + 30¢ per card or wallet payment, 2.5% + 30¢ for your first 90 days. No gateway to bolt on and no separate merchant account.
A Pay button, the checkout inline, or a hosted checkout on pay.yourbusiness.com.
Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and ACH, in your logo and colour.
Customers confirm larger payments with their bank, which usually moves fraud liability to the issuer.
Block card countries, cap amounts and decline high-risk scores before the card is charged.
Settled sales land in your Anytime Capital bank account, nights and weekends included.
3D Secure and risk rules, in the dashboard
<a href="https://anytime-capital.com/pay/business/pl_8fK2mQ" data-anytime-pay="pl_8fK2mQ">Pay $384.00</a><script async src="https://anytime-capital.com/embed/anytime-pay.js"></script>Customers pay in a secure window over your page. Where a builder strips scripts, the same link opens your hosted checkout on your own domain.
Save and earn more
Lower card rates than Stripe, no fee to be paid instantly, and suppliers paid on local rails instead of international wires.
$50,000
Saved per year
up to $5,781
vs the highest processor rate above
Published standard US online card rates as of October 2026, rate on volume plus the fixed fee per payment. Excludes international, currency-conversion, dispute and instant-payout fees and any plan subscriptions, which vary by provider.
Other processors' rates are their published US online card rates as of October 2026, before international, currency-conversion, dispute and plan fees.
Payouts in local currency
Pay suppliers, contractors and your own teams abroad over the rail their bank already uses, from the same balance your sales land in.
AustriaEURInstant
BelgiumEURInstant
BulgariaEURInstant
CroatiaEURInstant
CyprusEURInstant
CzechiaEURInstant
DenmarkEUR · DKKInstant
EstoniaEURInstant
FinlandEURInstant
FranceEURInstant
GermanyEURInstant
GreeceEURInstant
HungaryEURInstant
IcelandEURInstant
IrelandEURInstant
ItalyEURInstant
LatviaEURInstant
LiechtensteinEURInstant
LithuaniaEURInstant
LuxembourgEURInstant
MaltaEURInstant
NetherlandsEURInstant
NorwayEURInstant
PolandEURInstant
PortugalEURInstant
RomaniaEURInstant
SlovakiaEURInstant
SloveniaEURInstant
SpainEURInstant
SwedenEURInstant
SwitzerlandEURInstant
TürkiyeTRYBank transfer
United KingdomGBPInstant
BrazilBRLInstant
CanadaCADBank transfer
ColombiaCOPBank transfer
El SalvadorUSDBank transfer
GuatemalaGTQBank transfer
HaitiHTGMobile money
JamaicaJMDBank transfer
MexicoMXNInstant
BangladeshBDTBank transfer
ChinaCNYBank transfer
Hong Kong SAR ChinaHKDBank transfer
IndiaINRInstant
IndonesiaIDRBank transfer
MalaysiaMYRBank transfer
PakistanPKRBank transfer
PhilippinesPHPBank transfer
SingaporeSGDInstant
ThailandTHBBank transfer
VietnamVNDBank transfer
BeninXOFMobile money
BotswanaBWPMobile money
CameroonXAFMobile money
Congo - BrazzavilleXAFMobile money
Côte d’IvoireXOFMobile money
EgyptEGPBank transfer
GhanaGHSBank transfer
IsraelILSBank transfer
KenyaKESMobile money
MalawiMWKMobile money
NigeriaNGNBank transfer
RwandaRWFMobile money
SenegalXOFMobile money
South AfricaZARBank transfer
TanzaniaTZSMobile money
TogoXOFMobile money
UgandaUGXMobile money
United Arab EmiratesAEDBank transfer
ZambiaZMWMobile moneySEPA countries are paid in euros over SEPA and SEPA Instant. SWIFT reaches most other countries. Speeds are the fastest rail each corridor offers; timing depends on the receiving bank.
Integrations
AI assistants, accounting, your website and the wallets in your customers' pockets.
Download any date range as a file formatted for import, with fees, refunds and disputes as their own lines.
Take Apple Pay and Google Pay at every checkout, and add your employee cards to both.
Every docs page comes as Markdown with a ready integration prompt, so any assistant writes your checkout correctly.
Paste a Pay button or the checkout into any page, or use a plain link where a builder blocks scripts.
Branches
Real people at real counters in Atlanta, Miami and Houston, for account opening, cash, larger crypto orders and anything you would rather sort out face to face.
OpenAtlanta2549 Piedmont Rd NE, Suite 110, Atlanta, GA 30324Mon–Fri 10–5 · Sat 10–2(470) 748-2530.jpg&w=3840&q=75)
OpenMiami2 Biscayne Blvd, Floor 32, Miami, FL 33131Mon–Fri 10–5 · Sat 10–2(786) 656-0738
OpenHoustonThe Plaza at Audley, 3120 Southwest Fwy, Suite 100-3, Houston, TX 77098Mon–Fri 10–5 · Sat 10–2(713) 987-8815In detail
Issue a physical card for the people who pay at counters and a virtual card for everything online, as many as the business needs. Each card has its own cardholder, limit and merchants, and draws on the business bank account directly, so spend never depends on a credit line or a statement cycle.
Because the cards and the payment processing share one balance, the money a sale brings in this morning is spendable on a card this afternoon.
In the app the card number, expiry date and CVV are masked by default. The cardholder taps Show to see them for a purchase and taps again to hide them, so details are never left on screen in a coffee shop, on a shared monitor or in a screenshot.
A temporary card has its own limit and end date and closes itself after the purchase or when the date passes. Use one for a software trial that would otherwise renew, a vendor you are trying for the first time, a conference trip or a contractor's one-off purchase, and nobody keeps a live card on file.
Cardholders add their card to Apple Wallet or Google Wallet as soon as it is issued and pay by phone the same minute, before a plastic card would have arrived. Lost phone or a suspicious charge: freeze the card in one tap and unfreeze it as quickly.
Set a limit per card, narrow a card to a team or a merchant, and see spend against the limit as it happens. Every transaction carries the cardholder and merchant, and the month's card spend exports to QuickBooks Online or Xero with the rest of the account.
A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.
The card number, expiry date and CVV stay masked in the app until the cardholder taps Show, and hide again with one tap, so details are never on screen by default.
A card you issue for one purchase, a trip or a trial, with its own limit and end date. It closes itself after the purchase or when the date passes, so a subscription or a vendor never keeps a live card on file.
Yes. Cardholders add their card to Apple Wallet or Google Wallet as soon as it is issued and can pay by phone the same minute.
Yes. Every card has its own spending limit, and you can restrict cards by merchant or team, freeze a card in one tap and unfreeze it as quickly.
Both. Virtual cards are ready to use the moment they are issued; physical cards are mailed to the cardholder. Either goes into Apple Pay and Google Pay.
Debit. Cards spend from your Anytime Capital business bank account balance, so there is no credit line, no statement to pay off and no interest.
As many as the business needs: one per employee, one per vendor or subscription, or a temporary card for every one-off purchase.
Freeze it in one tap from the app or dashboard, then cancel it and issue a replacement. Virtual replacements are ready immediately.
Yes. Reports download any date range as a file formatted for QuickBooks Online or Xero, with card processing, refunds and disputes as their own lines, plus a payouts file to match transfers to your bank.
Yes. Payment processing is built into the account at 2.75% + 30¢ per card or wallet payment, and settled sales land in the balance the cards spend from.
Yes. Every business account has a live US team by phone, chat and email, and you can walk into a branch in Atlanta, Miami or Houston for account opening, cash and anything you would rather sort out face to face.
Applying takes a few minutes, and most complete business applications are approved the same day. There is no waitlist and no funding requirement; complex entity structures can take a few days.
No. Anytime Capital is a fintech company, not a bank. Banking, card, payment processing and payout services are provided by Anytime Capital's licensed partners, and each product's terms are shown at sign-up.