# Anytime Capital Payments developer docs

> Docs for Anytime Capital Payments: payment links, invoices, website checkout, QR payments, payouts, the REST API, webhooks and an MCP server for AI tools.

Source: https://anytime-capital.com/docs · Markdown: https://anytime-capital.com/docs.md · All docs: https://anytime-capital.com/docs/llms-full.txt

Anytime Capital Payments lets a verified business take payments by payment link, invoice, a Pay button on its own website and QR code in person, then pay the money out from one balance. Online card payments are 2.75% + 30¢, and you can start without writing code: everything here is also in the dashboard.

## Choose your path

### I write code

- [Quickstart](https://anytime-capital.com/docs/quickstart.md): From a new account to a paid payment link and a verified webhook.
- [Accept a payment in Next.js](https://anytime-capital.com/docs/nextjs-checkout.md): The whole flow in one App Router app, every file included.
- [API reference](https://anytime-capital.com/docs/payments.md): Every endpoint with curl, Node.js and Python, generated from the OpenAPI document.
- [Verify webhooks](https://anytime-capital.com/docs/webhook-signatures.md): Signature checks for Express, Next.js, Flask, FastAPI and PHP.

### I don't write code

- [Checkout & website](https://anytime-capital.com/docs/checkout.md): Payment links, a Pay button for your site, your logo and colours.
- [In person (QR)](https://anytime-capital.com/docs/in-person.md): Key in an amount and let the customer pay on their phone.
- [Shopify, WooCommerce and Zapier](https://anytime-capital.com/docs/guides.md#move-and-connect): Plug payments into the tools you already use.
- [Payout options](https://anytime-capital.com/docs/payouts.md): Payouts to your bank today, how fast they arrive, and what is coming soon.

### I'm building with AI

- [AI agents hub](https://anytime-capital.com/docs/build-with-ai.md): Connect Claude, Cursor or VS Code to your account through the MCP server.
- [Safe AI agents](https://anytime-capital.com/docs/ai-agent-safety.md): A restricted key per agent, approval limits, and what agents can never do.
- [Prompt library](https://anytime-capital.com/docs/ai-prompt-library.md): Prompts for invoicing, reconciling, refunds and subscriptions.
- [Custom agents](https://anytime-capital.com/docs/mcp-custom-agents.md): The MCP server from your own code and the Claude API.

> **Docs for your AI assistant:** Every page here is also Markdown (add `.md` to its URL), all of them are in one file at [/docs/llms-full.txt](https://anytime-capital.com/docs/llms-full.txt), and the whole API is in [OpenAPI 3.1](https://anytime-capital.com/docs/openapi.md).

## What you can build

- **Payment links:** a hosted checkout page for one price, made in the dashboard or with `POST /api/v1/payment-links`, shared anywhere or created per order.
- **Invoices:** line items, tax, deposits and reminders, emailed in your branding and paid by card.
- **Website checkout:** a Pay button that opens checkout over your page, or the checkout inline, in a few lines of HTML.
- **In person:** key in an amount, show a QR code, and the customer pays on their own phone. No card reader.
- **Subscriptions and usage:** plans with trials, coupons and plan changes, and usage billed from meters.
- **Automation:** read payments, refunds, payouts and disputes, manage customers, products and codes, and react to every change by webhook.
- **AI agents:** let Claude or another assistant draft invoices, make links, look up payments and refund within your approval limit through the MCP server.

## The API at a glance

| Topic | Detail |
| --- | --- |
| Base URL | `https://anytime-capital.com/api/v1` |
| Authentication | `Authorization: Bearer ak_live_…`, a secret key from Settings → Developers. See [Authentication](https://anytime-capital.com/docs/authentication.md). |
| Format | JSON in and out. Every object has an `object` field naming its type. |
| Money and time | Integer cents (`12500` is $125.00); ISO 8601 times in UTC. |
| Errors | `{ "error": { "code", "message" } }` with a stable code. See [Errors](https://anytime-capital.com/docs/errors.md). |
| Lists | Newest first, `limit` up to 100 (default 25) and `cursor`. See [Pagination](https://anytime-capital.com/docs/pagination.md). |
| Retries | `Idempotency-Key` on every POST, remembered 24 hours. See [Idempotency](https://anytime-capital.com/docs/idempotency.md). |
| Rate limit | 100 requests a minute per key. See [Rate limits](https://anytime-capital.com/docs/rate-limits.md). |
| Webhooks | Signed with HMAC-SHA256, retried for 24 hours. See [Webhooks](https://anytime-capital.com/docs/webhooks.md). |
| MCP server | `https://anytime-capital.com/api/mcp`, same key. See [Build with AI](https://anytime-capital.com/docs/build-with-ai.md). |

New to Anytime Capital? [Create your business account](https://anytime-capital.com/business/get-started): the API opens once your business is verified.

## Every page

### Get started

- [Quickstart](https://anytime-capital.com/docs/quickstart.md): Go from a new business account to your first paid payment link with the Anytime Capital Payments API: create a key, create a link, verify a webhook.
- [Test mode](https://anytime-capital.com/docs/test-mode.md): Build and test every payment flow without real money: test mode, ak_test_ API keys, sandbox test cards, test webhooks, sample data and event simulators.
- [Guides & recipes](https://anytime-capital.com/docs/guides.md): Step-by-step guides with complete code for Anytime Capital Payments: Next.js checkout, webhooks, refunds, reconciliation, subscriptions, usage and stablecoins.
- [Switch from Stripe](https://anytime-capital.com/docs/switch-from-stripe.md): Import customers, products, plans, discount codes, payment links and open invoices from Stripe, then move subscribers without charging anyone twice.
- [Import from Shopify](https://anytime-capital.com/docs/import-from-shopify.md): Bring Shopify products and variants, customers and discount codes over in minutes with read-only access. See what moves, what doesn't, and why.
- [Import from WooCommerce](https://anytime-capital.com/docs/import-from-woocommerce.md): Bring WooCommerce products and variations, customers and coupons over with a read-only REST API key. See what moves, what doesn't, and why.
- [Import from Square](https://anytime-capital.com/docs/import-from-square.md): Bring your Square item catalog and customer directory over with an access token. See what moves, what doesn't, and how sandbox data works.
- [Import a CSV file](https://anytime-capital.com/docs/import-from-csv.md): Upload customers or products from any spreadsheet, or a Shopify, Wix, Squarespace or Etsy export. Every row is checked before anything is saved.
- [Stripe API mapping](https://anytime-capital.com/docs/stripe-api-mapping.md): Map Stripe API calls to Anytime Capital: checkout, payment links, customers, prices, subscriptions, invoices, refunds and webhooks, in Node and curl.
- [Pricing](https://anytime-capital.com/docs/pricing.md): Anytime Capital Payments costs 2.75% + 30¢ per successful card payment, with no monthly, setup or PCI fees, and custom pricing at $1M+ a year.
- [Support](https://anytime-capital.com/docs/support.md): Reach Anytime Capital's US-based business team by phone, chat and email, with a dedicated payments team and shared Slack channel for larger businesses.
- [FAQ](https://anytime-capital.com/docs/faq.md): Answers about Anytime Capital Payments: payment methods, payouts, the API and webhooks, AI and MCP integration, security, verification and pricing.

### Payments

- [Checkout & website](https://anytime-capital.com/docs/checkout.md): Take payments with hosted payment links, a Pay button or inline checkout on your website, your own checkout domain and your logo and brand colour.
- [Guide: Next.js checkout](https://anytime-capital.com/docs/nextjs-checkout.md): A complete Next.js App Router integration: a single-use payment link per order made on the server, a redirect to it, and a verified webhook that marks it paid.
- [In person (QR)](https://anytime-capital.com/docs/in-person.md): Take payments face to face with no card reader: key in an amount, show a QR code, and your customer pays on their own phone with Apple Pay, Google Pay or card.
- [Payment methods](https://anytime-capital.com/docs/payment-methods.md): The cards, wallets, bank payments and stablecoins Anytime Capital Payments accepts today, where each is offered, and the methods that are coming soon.
- [Stablecoin checkout](https://anytime-capital.com/docs/stablecoin-checkout.md): Let customers pay your payment links and invoices in USDC or USDT, straight to your own business wallet, with exact-amount matching and on-chain confirmation.
- [Guide: take stablecoins](https://anytime-capital.com/docs/accept-stablecoins.md): Take stablecoin payments with no change to your checkout code: switch them on, fulfil on payment.succeeded, and keep the on-chain transaction with each order.
- [Fraud rules & 3D Secure](https://anytime-capital.com/docs/risk-and-3ds.md): Protect your Anytime Capital payments: block card countries, require 3D Secure above an amount, cap payment size, block high-risk scores and auto-refund alerts.
- [Dispute evidence](https://anytime-capital.com/docs/dispute-evidence.md): When a card dispute opens, we build an evidence pack from your records, write the response for the bank's reason and fill in your draft. Track your win rate.
- [International customers](https://anytime-capital.com/docs/international-customers.md): Customers outside the US pay your links and invoices by card in US dollars. How conversion, refunds and disputes work for them, and what isn't available yet.
- [Guide: safe refunds](https://anytime-capital.com/docs/refund-safely.md): Refund payments from your code without ever refunding twice: a stored Idempotency-Key, retries that are safe, refunds waiting for approval, and events.
- [Bank transfers on invoices](https://anytime-capital.com/docs/invoice-bank-transfers.md): Let customers pay invoices by ACH or wire into your own bank account: your details on the invoice page, PDF and email, with the invoice number as reference.

### Billing

- [Subscription discounts](https://anytime-capital.com/docs/subscription-discounts.md): Offer discount codes on subscription plans for the first payment, several months or every payment, and move subscribers between plans with fair proration.
- [Guide: sell subscriptions](https://anytime-capital.com/docs/sell-subscriptions.md): Create subscription plans, send customers to subscribe, offer coupon codes, let them change plans, and keep access in your app in step with webhooks.
- [Usage billing](https://anytime-capital.com/docs/usage-billing.md): Bill customers by use with Anytime Capital Payments: meters, usage events sent from your code, and usage invoiced and charged each billing period.
- [Guide: report usage](https://anytime-capital.com/docs/bill-usage-with-meters.md): Send usage from your app to Anytime Capital meters in safe, idempotent batches of 100, read a customer's usage back, and let it bill on their subscription.

### Money movement

- [Payout options](https://anytime-capital.com/docs/payouts.md): Withdraw your Anytime Capital balance to your bank, standard or instant where eligible. Local rails in 71+ countries.
- [Guide: reconcile payouts](https://anytime-capital.com/docs/reconcile-payouts.md): A nightly job that pulls a day's payments, refunds and payouts from the Anytime Capital API, writes a CSV, matches payouts to your bank and flags problems.
- [Accounting sync](https://anytime-capital.com/docs/accounting-sync.md): Post every payment, refund, dispute, card processing charge and payout from Anytime Capital Payments to QuickBooks Online or Xero, once each.
- [Revenue analytics](https://anytime-capital.com/docs/revenue-analytics.md): How the Analytics page counts gross and net volume, fees, refunds, disputes, MRR movement, churn, retention cohorts, lifetime revenue and the payouts forecast.

### Developers

- [Authentication](https://anytime-capital.com/docs/authentication.md): Authenticate Anytime Capital Payments API requests with a secret key: restrict each key to the resources it needs, and rotate or revoke keys safely.
- [Errors & retries](https://anytime-capital.com/docs/errors.md): Every Anytime Capital Payments API error has one JSON shape: a stable code to branch on and a message for people. How to handle them and retry safely.
- [Pagination](https://anytime-capital.com/docs/pagination.md): List endpoints in the Anytime Capital Payments API return the newest objects first, a page at a time. Page with limit and the opaque nextCursor.
- [Idempotency](https://anytime-capital.com/docs/idempotency.md): Send an Idempotency-Key header on every POST to the Anytime Capital Payments API so a retried request never creates a second link, invoice or email.
- [Rate limits](https://anytime-capital.com/docs/rate-limits.md): Each Anytime Capital Payments API key may make 100 requests a minute. Over that, requests answer 429 with a Retry-After header in seconds.
- [Webhooks](https://anytime-capital.com/docs/webhooks.md): Get Anytime Capital Payments events by webhook: payments, refunds, disputes, invoices and subscriptions, signed with HMAC-SHA256 and retried for 24 hours.
- [Verify webhooks](https://anytime-capital.com/docs/webhook-signatures.md): Copy-paste webhook handlers that verify the Anytime-Signature header on the raw body: Express, Next.js, Flask, FastAPI and PHP, and how to test them locally.
- [Node SDK (preview)](https://anytime-capital.com/docs/node-sdk.md): The @anytimecapital/node SDK preview: typed resources, auto-pagination, Idempotency-Key retries, typed errors and webhook verification for Node.js 18+.
- [CLI (preview)](https://anytime-capital.com/docs/cli.md): The anytime CLI preview: forward test webhook events to localhost, signed like real deliveries, and trigger payment, refund and dispute test events.
- [Postman collection](https://anytime-capital.com/docs/postman.md): Import every Anytime Capital Payments API endpoint into Postman, Insomnia or Bruno from one link, with your test key as a variable and example bodies.

### AI

- [AI agents hub](https://anytime-capital.com/docs/build-with-ai.md): Connect Claude, Cursor, VS Code and your own agents to Anytime Capital Payments through the MCP server, give them the docs as Markdown, and keep them safe.
- [Safe AI agents](https://anytime-capital.com/docs/ai-agent-safety.md): Give AI agents least-privilege access to Anytime Capital Payments: a restricted key per agent, presets per use case, refund approval limits and idempotency.
- [Custom agents](https://anytime-capital.com/docs/mcp-custom-agents.md): Connect your own agent to Anytime Capital Payments over MCP with an API key: raw JSON-RPC, the TypeScript and Python MCP SDKs, and the Claude API MCP connector.
- [Prompt library](https://anytime-capital.com/docs/ai-prompt-library.md): Prompts for AI agents connected to Anytime Capital Payments: invoice customers, chase overdue invoices, reconcile a month, refund safely and win customers back.

### Integrations

- [Website builders](https://anytime-capital.com/docs/website-builders.md): Add a Pay button, the checkout or a payment link to Wix, Squarespace, Webflow, WordPress, Framer, GoDaddy, Carrd, Ghost, Linktree or plain HTML, step by step.
- [Shopify](https://anytime-capital.com/docs/shopify.md): Take card payments at your Shopify checkout with the Anytime Capital Payments app: install, link your business, activate it, and refund from Shopify.
- [Shopify orders by invoice](https://anytime-capital.com/docs/shopify-order-invoices.md): Take card payments on Shopify today: a manual payment method, your store's own app, and Anytime Capital invoices that mark orders paid in Shopify.
- [WooCommerce](https://anytime-capital.com/docs/woocommerce.md): Add Anytime Capital Payments to WooCommerce: install the plugin, connect your API key and a signed webhook, and take card payments with refunds from orders.
- [Zapier](https://anytime-capital.com/docs/zapier.md): Connect Anytime Capital Payments to your other apps with Zapier: start Zaps on payments, refunds and invoices, and create payment links, invoices and refunds.
- [Slack, Discord and Teams](https://anytime-capital.com/docs/team-chat-alerts.md): Post new payments, refunds, disputes, payouts, subscriptions, invoices and a daily summary to your team's Slack, Discord or Microsoft Teams channel.

### Reference

- [Payments](https://anytime-capital.com/docs/payments.md): List and retrieve payments with the Anytime Capital Payments API: status, amounts, net after fees, method, customer, metadata and disputes, filtered by date.
- [Refunds](https://anytime-capital.com/docs/refunds.md): Refund a payment in full or in part with the Anytime Capital Payments API, safely retried with an Idempotency-Key, within your refund approval limit.
- [Disputes](https://anytime-capital.com/docs/disputes.md): Read the disputes and chargebacks on your payments with the Anytime Capital Payments API: status, reason, amount, evidence deadline and evidence pack.
- [Payment links](https://anytime-capital.com/docs/payment-links.md): Create, update and deactivate hosted payment links with the Anytime Capital Payments API: one per order or reusable, with metadata, and prefilled checkout.
- [Invoices](https://anytime-capital.com/docs/invoices.md): Create, list and send invoices with the Anytime Capital Payments API: line items, discount, tax and deposits, emailed in your branding and paid by card.
- [Customers](https://anytime-capital.com/docs/customers.md): Create, update and look up your saved customers with the Anytime Capital Payments API, one per email address, to match payments and invoices to them.
- [Products](https://anytime-capital.com/docs/products.md): Manage your product catalog with the Anytime Capital Payments API: create products with a price, SKU and shipping flag, update them and archive them.
- [Subscriptions & plans](https://anytime-capital.com/docs/subscriptions.md): Create subscription plans, list subscribers, and cancel, pause or resume subscriptions with the Anytime Capital Payments API, with trials and webhooks.
- [Discount codes](https://anytime-capital.com/docs/discount-codes.md): Create and deactivate discount codes with the Anytime Capital Payments API: a percentage or amount off, with an optional use limit and expiry date.
- [Meters & usage events](https://anytime-capital.com/docs/meters.md): Send usage events to Anytime Capital meters one at a time or in batches of 100, list your meters and read a customer's usage, for usage-based billing.
- [Payouts & balance](https://anytime-capital.com/docs/payouts-api.md): Read your payouts and your payments balance with the Anytime Capital Payments API: status, amount, bank trace number and expected arrival, read only.
- [Webhook endpoints](https://anytime-capital.com/docs/webhook-endpoints.md): Subscribe and unsubscribe webhook URLs from your own code with the Anytime Capital Payments API, REST-hook style, and get each endpoint's signing secret.
- [Events](https://anytime-capital.com/docs/events.md): Read every event Anytime Capital Payments emitted for your business in the last 30 days, to reconcile or catch up after missed webhook deliveries.
- [Test helpers](https://anytime-capital.com/docs/test-helpers.md): Send your test webhook endpoints a payment, refund, dispute, invoice or subscription event on demand, with an ak_test_ key. Never with a live key.
- [OpenAPI spec](https://anytime-capital.com/docs/openapi.md): The whole Anytime Capital Payments API as an OpenAPI 3.1 document: every endpoint, schema, permission and error, public, for code generators and AI tools.
- [Error codes](https://anytime-capital.com/docs/error-codes.md): Every error code the Anytime Capital Payments API returns: its HTTP status, what it means, how to fix it, whether to retry, and which endpoints return it.
- [Changelog](https://anytime-capital.com/docs/changelog.md): What's new in Anytime Capital Payments, newest first: API endpoints, webhook events, the MCP server, the Node SDK, checkout, billing and integrations.
- [Glossary](https://anytime-capital.com/docs/glossary.md): The words used across the Anytime Capital Payments docs and API, from approval limit and clearing account to idempotency key, meter and signing secret.

---

Anytime Capital is a fintech company, not a bank. Payment processing, banking and payout services are provided by Anytime Capital's licensed partners. Rates shown are for US card payments; international cards, currency conversion and disputes may carry additional fees shown in your dashboard before you accept a payment.