Do we get our own account and routing numbers?
Yes. The account has US account and routing numbers in your business's own name, for receiving ACH, wires, RTP and FedNow payments and for paying by the same rails.
Which countries can we pay from the account?
71 countries over local rails, including the euro area by SEPA Instant, the UK by Faster Payments, Brazil by PIX, Mexico by SPEI, India by UPI, Singapore by PayNow and much of Africa by mobile money, with SWIFT for most other countries. The full list, with each country's currency, is on this page.
How fast do payouts abroad arrive?
Instantly on SEPA Instant, Faster Payments, PIX, SPEI, UPI and PayNow, and from minutes to the same day on the other local rails. SWIFT transfers take the time the correspondent banks take.
What does it cost to pay someone abroad?
Every payout shows its fee and exchange rate before you confirm it, and the full schedule is published on Fees and limits.
How do customers pay into the account?
Customers pay by card, Apple Pay, Google Pay or ACH through payment links, invoices, your website or in person, at 2.75% + 30¢ per card or wallet payment, and settled sales land in the same balance. You can also receive ACH, wires, RTP and FedNow transfers, and USDC and USDT by payment request.
Is the payment processing cheaper than Stripe?
On standard US online card pricing, yes: 2.75% + 30¢ against Stripe's published 2.9% + 30¢, with 2.5% + 30¢ for your first 90 days for new businesses and no fee to be paid instantly.
Can each employee have their own card?
Yes. Issue physical and virtual expense cards from the same balance, each with its own limit, a privacy button that masks card details until the cardholder taps Show, one-tap freeze, temporary cards and Apple Pay and Google Pay.
Can we hold and receive stablecoins?
Yes. Receive USDC and USDT by payment request on Ethereum, Solana or Tron, hold them beside your dollars, send them the same day and sell them to dollars when you choose.
Is crypto in the account FDIC insured?
No. Cryptocurrency and stablecoin balances are not FDIC insured and are not bank deposits. Their value can fall as well as rise.
Does it work with QuickBooks and Xero?
Yes. Reports download any date range as a file formatted for QuickBooks Online or Xero, with card processing, refunds and disputes as their own lines, plus a payouts file to match transfers to your bank.
Can an AI assistant work with the account?
Yes. The Anytime Capital MCP server lets Claude, Cursor, GitHub Copilot, Gemini and OpenAI agents list payments, create payment links and send invoices with an API key you create and can revoke at any time. The docs carry a copy-paste setup line for each.
Can we keep our existing bank?
Yes. Many businesses open Anytime Capital beside their current bank and move money between the two by ACH, wire, RTP or FedNow, then move more of their payments over as they go.
Can we talk to someone in person?
Yes. Every business account has a live US team by phone, chat and email, and you can walk into a branch in Atlanta, Miami or Houston for account opening, cash and anything you would rather sort out face to face.
What do we need to apply?
Your business's legal name, address and tax ID, its formation documents, and the name, date of birth and ID of each owner and controlling person. Identity and business verification are required to open an account.
How fast can we open an account?
Applying takes a few minutes, and most complete business applications are approved the same day. There is no waitlist and no funding requirement; complex entity structures can take a few days.
Is Anytime Capital a bank?
No. Anytime Capital is a fintech company, not a bank. Banking, card, payment processing and payout services are provided by Anytime Capital's licensed partners, and each product's terms are shown at sign-up.