Block high-risk payments
Decline payments that score 90 or more, 75 or more (the default) or 60 or more on our fraud screening, before the card is charged.
Fraud protection
Stop fraud before the card is charged, and disputes before they're chargebacks
Every card payment gets a 0–100 risk score before it's charged. Block high scores, cap the amount, block card countries and require 3D Secure above an amount — then refund pre-dispute alerts automatically and answer real disputes with the evidence already filled in. All included at 2.75% + 30¢.
- Risk score on every payment
- 3D Secure above an amount you set
- Pre-dispute alerts refunded for you
- Refunds over a limit need the owner
Settings · Risk
- Block high-risk paymentsScore 75 or more
- Require 3D Secure above an amountOver $500.00
- Block cards from selected countries3 countries
- Maximum amount per payment$5,000.00
- Refund pre-dispute alerts automaticallyUnder $100.00
Fraud screening · Live
The controls
Six controls, each one switch and one sentence
Settings → Risk explains every control in plain words. There is no rule language to learn and nothing to install, and screening runs whether or not you change a thing.
Require 3D Secure above an amount
Customers confirm larger payments with their card issuer. If a 3D Secure payment is later disputed as fraud, liability usually moves to the issuer.
Block cards from selected countries
Decline cards issued in up to 50 countries you choose, for when you only sell domestically or keep seeing fraud from one market.
Maximum amount per payment
Decline any card payment over a ceiling you set, so one stolen card can't be used for one very large order.
Refund pre-dispute alerts automatically
When a bank warns a dispute is coming, payments at or under your limit ($1 to $10,000) are refunded in full before it becomes a chargeback.
Refund approvals
Refunds above an amount you choose wait for the owner to approve, and every refund records who asked, who approved and why.
When a dispute lands
The reason in plain words, the evidence filled in
Disputes sit on one page with the bank's reason explained, what evidence wins that reason, and a response form that starts from what we already know about the order.
Every reason explained
Fraudulent, not received, not as described, duplicate: each comes with one sentence on what the bank is claiming and the evidence that answers it.
Prefilled from the payment
Product description, customer name and email, billing address, date and an order summary with the card's security checks are filled in for you.
Your documents, attached once
Add delivery proof, messages with the customer, earlier undisputed orders, and your refund policy and terms, then submit from the dashboard.
Deadlines you won't miss
Email alerts as a response deadline approaches, and dispute.opened and dispute.closed webhooks for your own systems.
Disputes
Live- Fraudulent · $1,240.00Needs response · 6 days
- Pre-dispute alert · $42.00Refunded automatically
- Not received · $310.00Under review
- Fraudulent · $860.00Won
Developers & AI
Integrate in an afternoon, or let your AI do it
A small, predictable API and docs written to be read by people and by AI coding tools. Paste one prompt into Claude, Cursor or your agent of choice and it has everything it needs to wire Anytime Capital Payments into your product.
- REST APIPayment links, invoices, customers and payments, with cursor paging and Idempotency-Key on every create.
- Signed webhookspayment.succeeded, invoice.paid, dispute.opened and more, each signed so your server can verify it.
- Built for AI toolsConnect Claude and other AI agents over MCP, and copy any docs page as Markdown with an integration prompt.
- Keys you controlCreate and revoke secret keys per integration in Settings → Developers.
Terminal
curl https://anytime-capital.com/api/v1/payment-links \
-H "Authorization: Bearer $ANYTIME_API_KEY" \
-H "Idempotency-Key: order_1042" \
-H "Content-Type: application/json" \
-d '{
"title": "Consulting — October",
"amountCents": 12500
}'201 Created
{
"object": "payment_link",
"id": "pl_4kTz8QwN2xYb6RcD1mPa",
"url": "https://anytime-capital.com/pay/business/pl_4kTz…",
"amountCents": 12500,
"active": true
}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
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
On from your first payment
There is no separate fraud product to buy or integrate. Screening runs on every card payment by default.
- 1
Screening runs automatically
Every card payment is scored 0–100 before it's charged, whether or not you add rules.
- 2
Turn on the rules you need
Owners and admins set the high-risk block, 3D Secure amount, country blocks and maximum amount; changes are recorded in the activity log.
- 3
Set your alert and refund limits
The owner picks the largest pre-dispute alert to refund automatically, and the refund size that needs their approval.
- 4
Answer disputes from one page
Read the reason, check the prefilled evidence, add documents and submit before the deadline.
- Risk score on every card payment
- 0–100
Risk score on every card payment
- Card-issuing countries you can block
- 50
Card-issuing countries you can block
- Largest alert you can refund automatically
- $10,000
Largest alert you can refund automatically
- Extra for risk rules and dispute tools
- $0
Extra for risk rules and dispute tools
Who uses it
Fraud protection in practice
The industries that lean on this the hardest, and what it looks like for them.
Frequently Asked Questions
How does Anytime Capital Payments prevent credit card fraud?
Every card payment is scored from 0 to 100 by our fraud screening before the card is charged. On top of that, Settings → Risk lets you block payments scoring 60, 75 or 90 and up, require 3D Secure above an amount, cap the amount of any one payment, and block cards issued in countries you choose.
What is 3D Secure, and when should I require it?
3D Secure asks the cardholder to confirm a payment with their card issuer, usually in their banking app. If a 3D Secure payment is later disputed as fraud, liability usually shifts to the issuer. Require it above the amount where a fraudulent order would really hurt, so smaller orders go through with no extra step.
What is a pre-dispute alert?
It's a warning from the customer's bank that a dispute is about to be filed. Refunding at that point normally stops the chargeback. Anytime Capital refunds alerts at or under a limit you set (up to $10,000) automatically; larger ones wait in Disputes for you to refund or dismiss.
How do I respond to a chargeback?
Open the dispute in your dashboard's Disputes page. It explains the bank's reason, lists the evidence that answers it and prefills the response from the payment; add documents such as proof of delivery or messages with the customer, and submit before the deadline shown. Email alerts remind you as it approaches.
Does fraud protection cost extra?
No. Risk scoring, risk rules, 3D Secure, pre-dispute alerts and the dispute tools are included in 2.75% + 30¢ per card payment, with no monthly fee. A dispute itself can carry a fee, which is shown in your dashboard. Businesses processing $1M+ a year also get a shared Slack channel with our payments and risk team.
Will risk rules block good customers?
They can if they're stricter than you need, so every rule is optional. Start with the default high-risk block (score 75 or more), and use 3D Secure rather than a hard maximum for large orders so genuine customers can still pay after confirming with their bank.
Can I block payments from certain countries?
Yes. Choose up to 50 countries and cards issued there are declined before they're charged. The rule looks at where the card was issued, not where the customer happens to be browsing from.
Who on my team can issue refunds?
Owners and admins can refund; members and viewers can't. Set a refund approval limit and refunds above it wait for the owner, and every refund records who requested it, who approved it and the reason in the activity log.
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.
Take card payments with the guardrails on
Open a business account, claim 2.5% + 30¢ for your first 90 days, and every payment is screened from the first one, with rules, alerts and disputes in the same dashboard.