For small businessUpdated October 2026

The best business crypto account for small businesses

Brex, Ramp, Mercury and Slash are built to move dollars, and two of them now hold stablecoins: Ramp since July 2026, and Slash through its Global USD account. None of them trades bitcoin, ether or the rest, or takes card payments for you. If your small business takes crypto, pays suppliers in it or wants to hold some, this account does all of it, next to a business bank account that pays 71+ countries in local currency, employee expense cards and card payments.

Open a business account See crypto for business

Business

•••• •••• •••• 4821

Cardholder

Maya Chen

Payout delivered€8,420.00 · SEPA Instant · 9s

3D Secure confirmed $384.00 approved · paid out

countries paid in local currency: 71countries paid in local currency
payout currencies: 38payout currencies
per card or wallet payment: 2.75% + 30¢per card or wallet payment
instant payouts to your account: 24/7instant payouts to your account

Anytime Capital vs Brex, Ramp, Mercury and Slash for small businesses

Capability by capability, from each company's published pages. All four are capable platforms for moving US dollars, and Ramp and Slash now hold stablecoins; the rows below show where they differ on digital assets, card payments and paying people abroad.

Capability	Brex	Ramp	Mercury	Slash	Anytime Capital
Hold stablecoins	USDC payments announced 2025; not confirmed live	Yes: Stablecoin Accounts (USDC, USDT) since July 2026	No: accounts hold fiat only	Yes: Global USD account and USDC/USDT ramps	Receive by payment request, hold and send USDC and USDT
Buy and sell crypto beyond stablecoins	Not offered	Not offered	Not offered	Not offered	38+ assets, desk-quoted for size, sell support on 20+
Accept card payments	No card-acquiring product found	No card-acquiring product found	On invoices, through Stripe	Invoicing; no card acquiring found	2.75% + 30¢, paid out to your bank
Free non-custodial wallet	No	No	No	No	Included with every business account; BIP-39 import
Cash deposits in person	No branches	No branches	No branches	No branches	Atlanta and Miami branches
Digital assets to USD, same day	Auto-conversion announced with USDC payments	Stablecoins to USD with no conversion fee	Not applicable	Stablecoin off-ramp (Slash cites 0.75%–1.5%)	Any of 38+ assets, settled by ACH, Fedwire or RTP
Account approval	Varies by product and entity	Needs $25,000 in a bank account	Digital application	Fast digital setup	Same day once KYB documents are complete; no waitlist

Competitor capabilities reflect publicly available information as of October 2026.

Compare one at a time

Brex vs Anytime Capitalfor small businesses

Ramp vs Anytime Capitalfor small businesses

Mercury vs Anytime Capitalfor small businesses

Slash vs Anytime Capitalfor small businesses

One platform

Crypto is one part of the account small businesses run on

A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.

The Anytime Capital crypto wallet app: bitcoin, ether and stablecoin balances with recent activity

USDC and USDT on Ethereum, Solana and Tron, by payment request to your wallet

Buy and sell bitcoin, ether, solana and 38+ assets at desk-quoted rates

A free non-custodial business wallet, keys on your own device

Same-day settlement back to your bank account

See crypto for business

Employee expense cards

Cards your team can use today, with controls you set once

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.

See expense cards

Business

•••• •••• •••• 4821

Cardholder

Maya Chen

Exp

••/••

CVV

•••

Details stay masked until the cardholder taps Show.

Payment processing

A complete payments stack, from your website to your bank account

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.

Your website
A Pay button, the checkout inline, or a hosted checkout on pay.yourbusiness.com.
Checkout
Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and ACH, in your logo and colour.
- AMEX
- ACH
3D Secure
Customers confirm larger payments with their bank, which usually moves fraud liability to the issuer.
Risk rules
Block card countries, cap amounts and decline high-risk scores before the card is charged.
Instant payout
Settled sales land in your Anytime Capital bank account, nights and weekends included.

Harbor & Pine · Wholesale order #1182$384.00 paid out to your bank account ••4821Processing

3D Secure and risk rules, in the dashboard

Payment rules in the Anytime Capital dashboard: block card countries, require 3D Secure on payments of $500 or more, and a maximum amount per payment

Add checkout to any website

<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.

See payment processing

The real product

Invoices, checkouts and receipts your customers actually see

Every screen below is the Anytime Capital product, rendered with demo data: your logo and colours on the invoice, the checkout and the receipt, and the money in your account the minute it settles.

Anytime Capital product views, demo data.

Save and earn more

Keep more of every sale, and get it the same minute

Lower card rates than Stripe, no fee to be paid instantly, and suppliers paid on local rails instead of international wires.

Fee calculator

Monthly card volume

$50,000

Average sale

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

First 90 days at 2.5% + 30¢

$1,426 instead of $1,551

Claim the launch offer

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.

0.15 ptsUnder Stripe on every card payment2.75% + 30¢ against Stripe's published 2.9% + 30¢, with no monthly, setup or PCI fee.
2.5%For your first 90 daysNew businesses pay 2.5% + 30¢ for 90 days, then 2.75% + 30¢.
0%To get your money instantlySales settle into your Anytime Capital bank account, nights and weekends included. Stripe charges 1.5% of each Instant Payout.
71Countries paid on local railsPay suppliers in their own currency over SEPA Instant, PIX, SPEI, UPI and more, instead of an international wire.

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

71 countries. 38 currencies. One bank account.

Pay suppliers, contractors and your own teams abroad over the rail their bank already uses, from the same balance your sales land in.

countries on local rails: 71countries on local rails
currencies: 38currencies
countries with instant rails: 36countries with instant rails

Europe33 countries

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

Americas8 countries

BrazilBRLInstant
CanadaCADBank transfer
ColombiaCOPBank transfer
El SalvadorUSDBank transfer
GuatemalaGTQBank transfer
HaitiHTGMobile money
JamaicaJMDBank transfer
MexicoMXNInstant

Asia-Pacific11 countries

BangladeshBDTBank transfer
ChinaCNYBank transfer
Hong Kong SAR ChinaHKDBank transfer
IndiaINRInstant
IndonesiaIDRBank transfer
MalaysiaMYRBank transfer
PakistanPKRBank transfer
PhilippinesPHPBank transfer
SingaporeSGDInstant
ThailandTHBBank transfer
VietnamVNDBank transfer

Middle East & Africa19 countries

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 money

SEPA 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.

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

Connect the MCP server

Claude Code · harbor-and-pine

$ 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

Developer settings in the Anytime Capital dashboard: API keys, including one for Claude over MCP, and a webhook endpoint

Docs and API

Integrate in an afternoon, or let your AI agent do it

A REST API, signed webhooks and an MCP server, with docs written to be pasted: every page is also Markdown, and each one comes with a prompt for your AI assistant.

MCP server: https://anytime-capital.com/api/mcp
Docs as one file: /docs/llms-full.txt

Read the quickstart All docs

Create a payment link

curl -X POST 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,
    "singleUse": true,
    "metadata": { "orderId": "1042" }
  }'

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

Reports in the Anytime Capital dashboard: downloads formatted for QuickBooks Online and Xero, and a payouts file

See reporting

Wallets

Take Apple Pay and Google Pay at every checkout, and add your employee cards to both.

Apple PayAccept & spend
Google PayAccept & spend

See payment methods

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

Docs for AI assistants

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

See website checkout

Branches

Bank from your phone, or walk into a branch

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.

All branches

Opening next:Nashville Chicago London Sydney

In detail

What small businesses need from a business account

What a small business actually needs from a crypto account

Small businesses get the worst of the current arrangement. The spend-management platforms are built around venture-backed headcount and card policy, which is not the problem a twelve-person contractor, agency or storefront has. Ramp requires $25,000 in a business bank account before it will open, and the stablecoin products that have arrived hold digital dollars without trading anything else. So the crypto side gets improvised: an owner's personal exchange account, a wallet app on somebody's phone, and a shoebox of screenshots at tax time.

The needs are unglamorous and specific. Buy and sell without a minimum that assumes a Series B. Get dollars back into the business account the same day, not in three. Have somebody answer the phone. Keep the account in the company's name so the bookkeeper and the CPA can actually work from it.

No minimums, no waitlist, and card payments in the same account

Most business accounts are approved the same day the application and KYB documents are complete. There is no waitlist and no requirement to be venture-backed — an LLC with clean formation documents is the ordinary case, not the exception.

The same account takes payments: customers pay by card at 2.75% + 30¢, by ACH on links and invoices, or in USDC and USDT by payment request, and card and ACH payments are paid out to your bank, instant where eligible. Funding the crypto side is deliberately broad too: business wire, business debit and credit cards, ACH, Apple Pay, Google Pay, Cash App, cash by mail, and in-person cash at our Atlanta and Miami branches. When crypto needs to become dollars again, settlement runs same-day by ACH, Fedwire or RTP.

Crypto for small businesses — FAQ

Can a small business open a crypto account without being venture-backed?

Yes. There is no requirement to have raised money. An LLC or corporation with clean formation documents and identifiable owners is the ordinary case, and most accounts approve the same day KYB documents are complete.

Is there a minimum to trade?

Small businesses are not held to institutional minimums. Larger orders get desk-quoted pricing rather than clicking through a screen, but the account is not gated behind a size requirement. See /fees-and-limits for current limits.

Can I deposit cash for my business?

Yes — in person at our Atlanta and Miami branches, or by cash by mail. That is a rail none of the digital-only business platforms offer.

Explore More

Important Disclosures

Information about Brex, Ramp, Mercury and Slash is based on publicly available data as of October 2026. Features, policies and product availability may have changed since.
This comparison is provided for informational purposes and does not constitute financial, investment, tax, or legal advice.
Anytime Capital, Brex, Ramp, Mercury and Slash are independent companies. This page is not endorsed by, affiliated with, or sponsored by any of them. All third-party names, logos and trademarks are the property of their respective owners and are used here only to identify the companies being compared or the services we work with.
Cryptocurrency is not FDIC insured and its value can fall as well as rise. Digital assets are not deposits.
Identity and business verification are required to open an account. Additional review may be required for certain transaction types or volumes.
Dashboard screenshots show a demonstration business with sample data.
Banking, card, payment processing and payout services are provided by Anytime Capital's licensed partners; Anytime Capital is a fintech company, not a bank. Card and account features are subject to approval and to the terms shown at sign-up.

The best business crypto account for small businesses

Anytime Capital vs Brex, Ramp, Mercury and Slash for small businesses

Capability	Brex	Ramp	Mercury	Slash	Anytime Capital
Hold stablecoins	USDC payments announced 2025; not confirmed live	Yes: Stablecoin Accounts (USDC, USDT) since July 2026	No: accounts hold fiat only	Yes: Global USD account and USDC/USDT ramps	Receive by payment request, hold and send USDC and USDT
Buy and sell crypto beyond stablecoins	Not offered	Not offered	Not offered	Not offered	38+ assets, desk-quoted for size, sell support on 20+
Accept card payments	No card-acquiring product found	No card-acquiring product found	On invoices, through Stripe	Invoicing; no card acquiring found	2.75% + 30¢, paid out to your bank
Free non-custodial wallet	No	No	No	No	Included with every business account; BIP-39 import
Cash deposits in person	No branches	No branches	No branches	No branches	Atlanta and Miami branches
Digital assets to USD, same day	Auto-conversion announced with USDC payments	Stablecoins to USD with no conversion fee	Not applicable	Stablecoin off-ramp (Slash cites 0.75%–1.5%)	Any of 38+ assets, settled by ACH, Fedwire or RTP
Account approval	Varies by product and entity	Needs $25,000 in a bank account	Digital application	Fast digital setup	Same day once KYB documents are complete; no waitlist

Competitor capabilities reflect publicly available information as of October 2026.

curl -X POST 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, "singleUse": true, "metadata": { "orderId": "1042" } }'

What small businesses need from a business account

What a small business actually needs from a crypto account

No minimums, no waitlist, and card payments in the same account

Crypto for small businesses — FAQ

Can a small business open a crypto account without being venture-backed?

Is there a minimum to trade?

Can I deposit cash for my business?

Yes — in person at our Atlanta and Miami branches, or by cash by mail. That is a rail none of the digital-only business platforms offer.

The best business crypto account for small businesses

Anytime Capital vs Brex, Ramp, Mercury and Slash for small businesses

Compare one at a time

Crypto is one part of the account small businesses run on

Cards your team can use today, with controls you set once

A complete payments stack, from your website to your bank account

Your website

Checkout

3D Secure

Risk rules

Instant payout

Invoices, checkouts and receipts your customers actually see

Keep more of every sale, and get it the same minute