Anytime Capital Payments pricing
2.75% + 30¢ per card payment. No monthly fees.
One flat rate for Visa, Mastercard, Amex, Discover, Apple Pay and Google Pay, with risk rules, 3D Secure, branded checkout, invoicing, the API and test mode included. New accounts pay 2.5% + 30¢ for their first 90 days; $1M+ a year gets custom pricing.
- No setup, monthly or PCI fees
- Every feature on every account
- Payouts to your bank, instant where eligible
- Custom pricing for $1M+ a year
$50,000
- Paddle5% + 50¢Merchant of record, includes sales tax handling$2,794
- Lemon Squeezy · US one-time card sales5% + 50¢Merchant of record, includes sales tax handling$2,794
- PayPal · PayPal Checkout3.49% + 49¢$2,033
- Square · Free plan3.3% + 30¢$1,826
- Wave · Visa, Mastercard, Discover2.9% + 60¢$1,803
- Stripe2.9% + 30¢$1,626
- Shopify Payments · Basic plan2.9% + 30¢$1,626
- Authorize.net · All-in-One plan2.9% + 30¢$1,626
- Braintree2.89% + 29¢$1,616
- Chase Payment Solutions · E-commerce gateway2.9% + 25¢$1,597
- Anytime Capital2.75% + 30¢$1,551
- QuickBooks Payments · Invoices and online2.99%$1,495
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.
- 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
Try Anytime Capital Payments at 2.5% + 30¢ for 90 days
Move your payments over, take real payments from real customers, and see the difference in your balance before you pay the standard 2.75% + 30¢.
- 2.5% + 30¢ on card and wallet payments for 90 days, then 2.75% + 30¢.
- The 90 days start the day card payments switch on for your business, so time spent getting verified doesn't count.
- For new Anytime Capital Payments accounts: claim it at sign-up, or within 90 days of switching card payments on.
- On day 91 your rate returns to 2.75% + 30¢ automatically. We let you know a week before, and again the day it changes.
- Applied automatically to one-time payments, payment links, invoices and in-person sales. Subscription renewals are billed at the standard rate.
- One offer per business. Fees for international cards, currency conversion and disputes are unchanged.
New here? You'll create a business account with the offer attached. Already have one? It's claimed for your active business on the spot.
Plans
Three ways to pay less
Start at the standard rate, start lower with the launch offer, or get a rate 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 we compare
Published online card rates, side by side
Standard US online card rates as each company publishes them, as of October 2026. Quote-only processors don't publish a flat rate and aren't listed.
| Provider | Online card rate | Notes | Compare |
|---|---|---|---|
| Anytime Capital | 2.75% + 30¢ | 2.5% + 30¢ for the first 90 days · no monthly fee | |
| Stripe | 2.9% + 30¢ | — | Compare |
| SquareFree plan | 3.3% + 30¢ | 2.9% + 30¢ needs Square Plus at $49/month | Compare |
| PayPalPayPal Checkout | 3.49% + 49¢ | — | Compare |
| Braintree | 2.89% + 29¢ | — | Compare |
| Shopify PaymentsBasic plan | 2.9% + 30¢ | Plus a Shopify plan from $39/month ($29 billed yearly) | Compare |
| Authorize.netAll-in-One plan | 2.9% + 30¢ | Plus a $25/month gateway fee | Compare |
| Chase Payment SolutionsE-commerce gateway | 2.9% + 25¢ | — | Compare |
| QuickBooks PaymentsInvoices and online | 2.99% | — | Compare |
| WaveVisa, Mastercard, Discover | 2.9% + 60¢ | — | Compare |
| PaddleMerchant of record, includes sales tax handling | 5% + 50¢ | — | Compare |
| Lemon SqueezyUS one-time card salesMerchant of record, includes sales tax handling | 5% + 50¢ | — | Compare |
See every comparison in the best payment processors for 2026.
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 storesReferrals
Refer a business: you both pay 2.5% + 30¢
Bring a supplier, a client or a business down the street. They start at 2.5% + 30¢, and every one that switches on card payments keeps your rate at 2.5% + 30¢ for 30 more days. Twelve referrals is a year.
- 1
Share your link
Every business account has one in Settings → Referrals. Copy it or email it from there.
- 2
They pay 2.5% + 30¢
The business you refer gets the launch offer: 2.5% + 30¢ for its first 90 days of card payments.
- 3
You earn 30 days
When it's verified and switches card payments on, you get 30 more days at 2.5% + 30¢ — for up to 12 businesses.
Custom pricing
Processing $1M+ a year? Your rate is quoted on your volume.
Send us a recent processing statement and we'll come back with a rate built on your actual card mix, plus the support setup a business your size needs.
Get a custom quoteVolume or interchange-plus pricing
Quoted on your real mix of cards, countries and ticket sizes, and reviewed every quarter as you grow.
Shared Slack channel
Your finance and ops team talks directly to our payments and risk team, in the tool you already use.
Named account manager
One person who knows your business, your payout schedule and your dispute history.
Custom payouts and reserves
Payout timing and reserve terms set around how your cash actually needs to move.
Payouts
Getting your money out
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.
- Live · Standard, or instant where eligible
Payouts to your bank account
Withdraw your balance to your business bank account from Payouts whenever you like, or let automatic payouts follow your schedule. Instant delivery is offered when your account and bank are eligible, and each payout shows its expected arrival before you confirm.
- Live · Instant, 24/7
Your Anytime Capital business account
Sweep settled sales into Anytime Capital business checking in seconds, nights and weekends included, and spend it the same minute.
- Live · Seconds, any day
RTP and FedNow instant transfers
Push money to any US bank account that receives instant payments, around the clock, with confirmation the moment it lands.
- Live · Same day
Domestic wire
Fedwire for large or time-critical payments: closings, inventory, payroll top-ups and anything a counterparty wants by wire.
- Live · Same day or next day
ACH and same-day ACH
Low-touch transfers to any US bank account for vendors, contractors and your own accounts elsewhere, scheduled or on demand.
- Live · Minutes to same day
Local rails in 71+ countries
Pay suppliers in their own currency over the rail they already use (SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money), with SWIFT for everywhere else.
- Live · Minutes, including weekends
Stablecoins: USDC and USDT
Same-day on-chain transfers from your balance to a supplier, contractor or your own wallet, with no correspondent bank in the way.
- Live · Same day
Crypto liquidity
Convert balance to bitcoin, ether, solana and other assets, or crypto back to dollars, at desk-quoted rates and send it out the same day.
- Live · Instant
Employee and vendor cards
Fund physical and virtual business cards straight from your payments balance, with limits per person, team or merchant.
Available to pay out
$248,310.42
+$31,904.18 today · 412 payments
Payouts
One hub instead of five logins
When payments, banking and payouts share one balance, nothing waits on a transfer between providers. Sales are spendable the minute they settle, and reconciliation is one ledger.
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
Frequently Asked Questions
How much does Anytime Capital Payments cost?
2.75% + 30¢ per successful online card or wallet payment in the US, with no setup, monthly or PCI fees. Every feature — payment links, invoices, subscriptions, in-person payments, risk rules, 3D Secure, branded checkout and the API — is included.
Is Anytime Capital cheaper than Stripe?
On the standard online card rate, yes: 2.75% + 30¢ against Stripe's published 2.9% + 30¢, and 2.5% + 30¢ for your first 90 days with the launch offer. Both add fees for international cards and currency conversion, so compare those for your own mix too.
How does the 90-day 2.5% launch offer work?
Claim it at sign-up or from this page and it is stored on your business. Your first 90 days of card payments are charged at 2.5% + 30¢, counted from the day card payments switch on, then 2.75% + 30¢. It applies automatically; there is no code to enter at checkout. We let you know a week before the rate changes back, and again on the day.
How does the referral program work?
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.
Who qualifies for custom pricing?
Businesses processing $1M+ a year in card payments, or that expect to within a year. Custom pricing can be volume-tiered or interchange-plus, and comes with a shared Slack channel and a named account manager.
Do you charge to pay out?
You withdraw your balance to your own bank account from Payouts, standard or instant where your account and bank are eligible, and any fee for the payout is shown in your dashboard before you confirm.
Are there fees for international cards or disputes?
Yes, as with every processor: cards issued outside the US, currency conversion and disputes can carry additional fees. They are listed in your dashboard before you take a payment, and pre-dispute alerts with automatic refunds help you avoid dispute fees in the first place.
Can my customers pay the card fee?
You can pass a card processing fee of up to 3% on to customers in Settings → Payments where the law allows it, shown clearly at checkout. Bank payments can be offered alongside cards for customers who'd rather avoid it.
Pay less on every card payment, starting this week
Open a business account in a few minutes, claim 2.5% + 30¢ for your first 90 days, and take your first payment as soon as you're verified.