Business details
Legal name, EIN, registered address, website, and the date, state and registration number of incorporation.
Onboarding & verification
Verify your business once, then switch on payments in a click
One application covers your business details, owners and documents. Once it's approved, card payments switch on in one click and a short identity check, with that information already filled in, and if you've verified your own identity with Anytime Capital, your details carry into the application too.
- Five steps, saved as you go
- Your verified identity prefills your owner details
- Problems named, not just rejected
- Payments prefilled after approval
Verification · Harbor & Pine LLC
- Business details & agreementsComplete
- Owners & control person2 of 2 confirmed
- Documents5 of 5 uploaded
- ReviewSubmitted
EINBeneficial ownersFormation documentsProof of address
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 we ask for
Everything the rules require, asked for once
US payment and banking rules require every business account to show who the business is, who owns and controls it, and where it operates. Knowing the list up front is what makes the application quick.
Owners and a control person
Everyone who owns 25% or more, plus one person with significant control: name, date of birth, address and SSN, ITIN or foreign tax ID.
Formation, ownership and control
Articles or a certificate of incorporation, a shareholder register or partnership agreement, and a director registry or equivalent.
Proof of address and tax ID
A utility bill, lease, bank statement or tax return dated within three months, and your IRS EIN letter (CP 575 or 147C).
Identity documents
A passport, driver's license or national ID for each owner, plus a second government ID for owners outside the US.
Agreements on record
Account agreements are accepted inside the application, with the version, time and IP address kept for your records.
Asked once
Nothing you've already given us is asked for twice
Verification feeds everything after it: your own identity fills your row in the application, and the approved application fills your payments account.
Your identity carries over
If you verified your identity for an Anytime Capital account, your name, date of birth, nationality and address prefill your owner details, and your ID goes with the application.
Payments switch on prefilled
After approval, an owner or admin turns on card payments in one click and the business name, EIN, address, incorporation details and representative carry across, followed by a short identity check.
Specific problems, by step
If something is missing or unreadable, the application names the field or document and the step it belongs to, so a fix takes minutes.
Documents aren't kept on our servers
Files go straight to our licensed partner and are wiped on our side; we keep only the name, size and checksum, and show tax IDs by their last four digits.
Application · Harbor & Pine LLC
Live- DetailsDone
- AgreementsAccepted
- People · 2 ownersDone
- Documents · 5 of 5Uploaded
- ReviewIn review
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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Risk rules & 3D Secure
Stop fraud before the card is charged
Risk rules, 3D Secure step-up and chargeback defense are part of every account, set up in a few clicks and explained in plain words.
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
- Risk scoring on every paymentEach card payment gets a 0–100 risk score from our fraud screening before the card is charged.
- Rules you write in plain EnglishBlock scores of 60, 75 or 90 and up, cap the amount per payment, or block cards issued in chosen countries.
- 3D Secure where it countsAsk customers to confirm larger payments with their bank, which usually moves fraud-dispute liability to the issuer.
- Pre-dispute alertsRefund small payments automatically when a bank warns a dispute is coming, before it becomes a chargeback.
- Evidence assembled for youWhen a dispute lands, the order, the customer record, delivery and 3D Secure results are gathered into one response.
- Refund approvalsRefunds over an amount you choose wait for the owner, and every action is in the audit log.
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
One application, saved as you go
The same application for every business. Owners and admins can complete it, and anyone can leave and pick up exactly where they stopped.
- 1
Details and agreements
Business name, EIN, address and incorporation details, then accept the account agreements.
- 2
People
Add owners of 25% or more and a control person. Your own row fills in from your verified identity.
- 3
Documents
Upload formation, ownership, control, proof-of-address and tax ID documents, up to 4 MB each.
- 4
Review, then switch on payments
Submit, follow the status in your dashboard, and turn on card payments once the business is approved, with one short identity check.
- Application steps, saved as you go
- 5
Application steps, saved as you go
- Ownership that has to be listed
- 25%
Ownership that has to be listed
- Days at 2.5% + 30¢ once payments switch on
- 90
Days at 2.5% + 30¢ once payments switch on
- Application for verification and card payments
- 1
Application for verification and card payments
Who uses it
Onboarding & verification in practice
The industries that lean on this the hardest, and what it looks like for them.
Frequently Asked Questions
What is KYB verification?
KYB (Know Your Business) is the check every US payment and banking provider has to run before a business can take payments: confirming the business exists, who owns and controls it, and where it operates. At Anytime Capital it's one online application in five steps.
What documents do I need to verify my business?
Formation documents (articles or a certificate of incorporation, or a state registry excerpt), proof of ownership (a shareholder register or partnership agreement), proof of control (a director registry or equivalent), proof of business address dated within three months, and tax ID evidence such as your IRS EIN letter. A certificate of good standing is optional, and owners outside the US add a passport and a second government ID.
Who counts as a beneficial owner?
Anyone who directly or indirectly owns 25% or more of the business. You also list one control person, someone with significant responsibility for running it such as the CEO or managing member, even if they own less than 25%.
How long does business verification take?
Most reviews finish within one business day once the application and documents are complete. Your dashboard shows the status throughout, we email you when there is a decision, and if anything is missing or unreadable it names the document or field and the step to fix it in.
Do I have to apply again to accept card payments?
Not from scratch, but there is one more short step. Once the business is approved, an owner or admin switches on Anytime Capital Payments in one click, and your business name, EIN, address, incorporation details and representative carry across from the application. Our payments partner then runs one short identity check, in your dashboard, before card payments go live.
Who on my team can complete verification?
The owner or any admin. Members and viewers can see the business once it's live but can't submit or change the application.
Is my information secure?
Documents are sent straight to our licensed partner and aren't stored on our servers; we keep only each file's name, size and checksum. Tax IDs are shown back to you by their last four digits, and every submission is logged.
What can I do once my business is verified?
Switch on card payments at 2.75% + 30¢, then send payment links, invoices and subscriptions, set risk rules, invite your team as admins, members or viewers, and set up 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.
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.
Get verified and take your first payment
Open a business account, complete one application, and claim 2.5% + 30¢ for your first 90 days of card payments once you're approved.