Anytime Capital Payments
Accept every payment at 2.75% + 30¢. Pay out on your schedule.
Every card network, Apple Pay, Google Pay and ACH bank payments through links, invoices, email, checkout and in person, plus USDC and USDT paid straight to your wallet — with payouts to your bank, instant where eligible, and every payment synced to QuickBooks or Xero.
Accept every way your customers pay
- AMEX
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Payment receivednow+$384.00 · Apple Pay- Online card rate
- 2.75% + 30¢Online card rate
- First 90 days with the launch offer
- 2.5% + 30¢First 90 days with the launch offer
- Payouts to your Anytime Capital account
- InstantPayouts to your Anytime Capital account
- Countries on local payout rails
- 71+Countries on local payout rails
- Monthly, setup or PCI fees
- $0Monthly, setup or PCI fees
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
- USDC
- 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.
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
Wholesale order #1182
12 × 5 lb Ethiopia Guji · net 15
$384.00
- AMEX
Secure checkout by Anytime Capital
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, done$0.00
In-person payment
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.
- 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
- 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.
Payouts
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.
Payouts to your bank account
Standard, or instant where eligibleYour Anytime Capital business account
Instant, 24/7RTP and FedNow instant transfers
Seconds, any dayDomestic wire
Same dayACH and same-day ACH
Same day or next dayLocal rails in 71+ countries
Minutes to same dayStablecoins: USDC and USDT
Minutes, including weekendsCrypto liquidity
Same dayEmployee and vendor cards
Instant
Available to pay out
$248,310.42
+$31,904.18 today · 412 payments
Payouts
Global payouts
Pay suppliers in 71+ countries on their local rails
Faster payments to suppliers and lower exchange costs. Send dollars out of your Anytime Capital balance and they arrive as local currency over the rail the recipient's bank already uses.
- Paid in their own currency
- Seconds to hours, not days
- Exchange rate quoted before you send
- SWIFT everywhere else
Your balance
$412,880.00
USD · Anytime Capital
0 of 6 paid today
Lukas WeberWeber Feinmechanik · Stuttgart€8,420.00SEPA InstantSending
Oliver BennettBennett Print Co. · Manchester£5,150.00Faster PaymentsSending
Valeria OrtizTextiles Ortiz · GuadalajaraMX$184,300SPEISending
Camila RochaRocha Café Exportação · São PauloR$46,900PIXSending
Arjun MehtaMehta Spice Traders · Kochi₹695,000UPISending
Wanjiru KamauKamau Fresh Produce · NairobiKSh 1,120,000Mobile moneySending
Local rails by market
United StatesUSDRTP, FedNow, ACH, wire
EurozoneEURSEPA Instant- United KingdomGBPFaster Payments
- MexicoMXNSPEI
- BrazilBRLPIX
- IndiaINRUPI, NEFT, RTGS
SingaporeSGDPayNow, FAST
CanadaCADBank transfer- KenyaKESMobile money
ColombiaCOPBank transfer, Nequi
PhilippinesPHPBank transfer
NigeriaNGNBank transfer
United Arab EmiratesAEDBank transfer
West & Central AfricaXOF / XAFMobile money
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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Selling online?
The WooCommerce plugin, what we do for Shopify stores, QuickBooks and Xero sync, the Stripe importer and everything else an online store needs from its payments.
Payments for online storesDevelopers & 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.
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
}'{
"object": "payment_link",
"id": "pl_4kTz8QwN2xYb6RcD1mPa",
"url": "https://anytime-capital.com/pay/business/pl_4kTz…",
"amountCents": 12500,
"active": true
}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
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
- Businesses on the platform
- 1,000+
Businesses on the platform
- Card networks on every checkout
- 8
Card networks on every checkout
- Days at 2.5% + 30¢ with the launch offer
- 90
Days at 2.5% + 30¢ with the launch offer
- Monthly platform fees
- $0
Monthly platform fees
Frequently Asked Questions
What does Anytime Capital Payments cost?
2.75% + 30¢ per successful online card or wallet payment, with no monthly, setup or PCI fees. Businesses that sign up through the launch offer pay 2.5% + 30¢ for their first 90 days of card payments. Businesses processing $1M+ a year get custom pricing. International cards, currency conversion and disputes can carry extra fees, which are shown in your dashboard before you take a payment.
How does the 2.5% launch offer work?
Sign up from the pricing page or any "Claim 2.5%" button and the offer is attached to your business account. Your first 90 days of card payments are charged at 2.5% + 30¢, starting the day card payments are switched on for your account, then the standard 2.75% + 30¢. Nothing to remember and no code to enter at checkout. Subscription renewals are billed at the standard rate.
Do you have a referral program?
Every business account has a referral link in Settings → Referrals. A business that signs up through it pays 2.5% + 30¢ for its first 90 days of card payments. When it is verified and switches card payments on, you get 30 more days at 2.5% + 30¢, added after any days you already have, for up to 12 businesses. Referring a second business of your own doesn't count.
How fast do I get paid?
Payments settle into your Anytime Capital Payments 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.
Which payment methods can my customers use?
Today: Visa, Mastercard, American Express, Discover, JCB, Diners Club, UnionPay and Maestro cards, Apple Pay and Google Pay on every checkout; ACH bank payments on payment links and invoices; and USDC or USDT by payment request to your business wallet. Pay later (Klarna, Afterpay, Affirm), Cash App Pay and PayPal are coming soon. Settings → Payments shows exactly which methods are on for your account.
What are risk rules and 3D Secure?
Every payment gets a 0–100 risk score before the card is charged. In Settings → Risk you can block payments that score 60, 75 or 90 and up, cap the amount per payment, block cards issued in countries you choose, and require 3D Secure above an amount. 3D Secure asks the cardholder to confirm the payment with their bank, which usually makes the bank, not you, responsible for fraud disputes on it.
What happens when a customer disputes a payment?
You can refund small payments automatically when a bank sends a pre-dispute alert, before it turns into a chargeback. If a dispute does open, the order, customer record, delivery details and 3D Secure result are assembled into an evidence pack you can submit from the dashboard.
Can I accept payments without a website?
Yes. Payment links, invoices, email checkout and in-person QR payments all work without a website. When you have one, add a pay button or send customers to a hosted checkout on your own domain, and move to the API whenever you like.
Can I take payments in person?
Yes. Open In person in the dashboard on any phone or tablet, key in the amount, and your customer scans the code and taps to pay with Apple Pay, Google Pay or a card on their own phone. There is no terminal to buy or rent.
Can I use my own branding?
Yes. Your logo and brand colour appear on payment pages, invoices, receipts and payment emails, and you can serve checkout from a subdomain you own, such as pay.yourbusiness.com.
Can AI tools like Claude integrate Anytime Capital Payments?
Yes. Every docs page can be copied as Markdown or opened in Claude with an integration prompt, and an MCP endpoint lets Claude and other AI agents create payment links and invoices, look up payments and customers, and send invoices with a secret API key you control.
How long does onboarding take?
Creating a business account takes a couple of minutes. Card payments switch on once your business is verified and you finish one more short identity check with our payments partner. Most reviews finish within one business day.
What support do I get?
Every account reaches a live US-based business team by phone, chat and email. Businesses processing $1M+ a year also get a shared Slack channel with our payments and risk team and a named account manager.
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.
Switch your payments in an afternoon
Open a business account, claim 2.5% + 30¢ for your first 90 days, and take your first payment this week, paid out to your bank.
MCP connection
Let your AI agent run payments, with a key you can revoke
Our MCP server gives Claude, Cursor, GitHub Copilot, Gemini and OpenAI agents the same API your developers use: payments, payment links, invoices and customers, with the same limits and the same activity log.
- ClaudeClaude Code & Desktop
- CursorMCP server
- GitHub CopilotMCP in VS Code
- GeminiMCP in Gemini CLI
- OpenAIMCP in the Agents SDK
- WindsurfMCP server
48 tools
- list_payments
- get_payment
- list_payment_links
- create_payment_link
- get_payment_link
- update_payment_link
- deactivate_payment_link
- list_invoices
- create_invoice
- get_invoice
- send_invoice
- list_customers
- create_customer
- get_customer
- update_customer
- list_refunds
- get_refund
- create_refund
- list_products
- create_product
- get_product
- update_product
- archive_product
- list_subscription_plans
- create_subscription_plan
- get_subscription_plan
- list_subscriptions
- get_subscription
- cancel_subscription
- pause_subscription
- resume_subscription
- list_discount_codes
- create_discount_code
- get_discount_code
- deactivate_discount_code
- list_payouts
- get_payout
- get_balance
- list_disputes
- get_dispute
- list_webhook_endpoints
- create_webhook_endpoint
- get_webhook_endpoint
- update_webhook_endpoint
- delete_webhook_endpoint
- list_events
- get_event
- send_test_event
$ claude mcp add --transport http anytime-capital https://anytime-capital.com/api/mcp --header "Authorization: Bearer ak_live_…"
✓ Added HTTP MCP server anytime-capital
> Invoice Northwind Studio $2,400 for the October retainer, due in 14 days, and send it.
⏺ anytime-capital · create_invoice({ customerName: "Northwind Studio", lineItems: [{ description: "October retainer", quantity: 1, unitCents: 240000 }], dueDate: "2026-11-07", send: true })
⎿ Invoice sent to dana@northwind.studio · $2,400.00 due Nov 7 · reminders on
> How much did we take by card this week?
⏺ anytime-capital · list_payments({ createdFrom: "2026-10-19" })
⎿ 214 payments · $31,904.18 gross · 2 refunds
Integrations
Works with the tools you already run on
AI assistants, accounting, your website and the wallets in your customers' pockets.
Accounting
Download any date range as a file formatted for import, with fees, refunds and disputes as their own lines.
- QuickBooks OnlineFormatted export
- XeroFormatted export
Wallets
Take Apple Pay and Google Pay at every checkout, and add your employee cards to both.
- Apple PayAccept & spend
- Google PayAccept & spend
Built for AI-written code
Every docs page comes as Markdown with a ready integration prompt, so any assistant writes your checkout correctly.
- ChatGPTllms-full.txt
- ClaudeOpen in Claude
- GeminiMarkdown docs
- PerplexityMarkdown docs
- MistralMarkdown docs
Any website
Paste a Pay button or the checkout into any page, or use a plain link where a builder blocks scripts.
- WordPressPay button
- WebflowInline checkout
- SquarespaceCode block
- WixPay link
How we compare
Payments by industry
- Payments for salons & spas
- Payments for gyms & fitness studios
- Payments for property management
- Payments for nonprofits
- Payments for home services
- Payments for photographers & videographers
- Payments for tutors & lesson teachers
- Payments for childcare & daycare
- Payments for pet care & grooming
- Payments for auto repair