Expense managementCards, limits and exports
A card for every employee with its own limit and merchants, temporary cards for one-off spend, a privacy button and Apple Pay, then QuickBooks and Xero exports when the month closes.
BusinessCardholder
Maya Chen
Employee expense cards
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.
BusinessCardholder
Maya Chen
Exp
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CVV
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Details stay masked until the cardholder taps Show.
Integrations
AI assistants, accounting, your website and the wallets in your customers' pockets.
Download any date range as a file formatted for import, with fees, refunds and disputes as their own lines.
Take Apple Pay and Google Pay at every checkout, and add your employee cards to both.
Every docs page comes as Markdown with a ready integration prompt, so any assistant writes your checkout correctly.
Paste a Pay button or the checkout into any page, or use a plain link where a builder blocks scripts.
One platform
A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.
BusinessCardholder
Maya Chen
Exp
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CVV
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TemporaryCardholder
Ads trial · Q4
Exp
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CVV
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A privacy button keeps card details hidden until the cardholder taps Show
Temporary cards for a single purchase, a trip or a trial, that close themselves
Freeze and unfreeze in one tap; limits per person, team or merchant
Add to Apple Pay and Google Pay the moment a card is issued
Save and earn more
Lower card rates than Stripe, no fee to be paid instantly, and suppliers paid on local rails instead of international wires.
$50,000
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.
Other processors' rates are their published US online card rates as of October 2026, before international, currency-conversion, dispute and plan fees.
MCP connection
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.
48 tools
$ 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
Docs and API
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.
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" }
}'Branches
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.
OpenAtlanta2549 Piedmont Rd NE, Suite 110, Atlanta, GA 30324Mon–Fri 10–5 · Sat 10–2(470) 748-2530.jpg&w=3840&q=75)
OpenMiami2 Biscayne Blvd, Floor 32, Miami, FL 33131Mon–Fri 10–5 · Sat 10–2(786) 656-0738
OpenHoustonThe Plaza at Audley, 3120 Southwest Fwy, Suite 100-3, Houston, TX 77098Mon–Fri 10–5 · Sat 10–2(713) 987-8815In detail
Expense reports exist because the money left first and the questions came later. Expense cards turn that round: each employee's card carries its own limit and merchants, so the policy holds at the moment of purchase and the month-end chase for receipts shrinks to the exceptions.
A limit per card, cards narrowed to a team or a merchant, temporary cards that close after one purchase or a date, one-tap freeze, and a privacy button that masks card details until the cardholder taps Show. Spend shows against each limit as it happens, with the cardholder and merchant on every line.
Download any date range as a file formatted for QuickBooks Online or Xero, with card spend, processing fees, refunds and disputes as their own lines, and a payouts file to match every transfer. The books close from one account instead of a card provider's export, a processor's report and a bank statement.
Companies with procurement workflows, multi-step approvals at headcount or travel booking often run a spend platform such as Brex or Ramp for that, and use Anytime Capital for the bank account, getting paid, paying suppliers abroad and crypto. The two sit side by side; money moves between them by ACH, wire or RTP.
Connect Claude, Cursor or another MCP client to the Anytime Capital MCP server with one line from the docs, and an agent can pull payments, create payment links and send invoices on request, with an API key you can revoke at any time.
A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.
Each card has its own limit, and you can narrow cards to a team or a merchant. Spend shows against the limit as it happens, and any card can be frozen in one tap.
Far fewer. Each card carries its own limit and merchants, so policy holds at the moment of purchase, and every transaction already shows the cardholder and merchant.
Yes. Give each subscription its own virtual card with a limit, or issue a temporary card that closes itself after one purchase or on a date you set.
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.
For most small and mid-sized businesses, the cards, limits and exports cover what they need. Companies with heavy procurement and approval workflows often keep a spend platform for that and use Anytime Capital for banking, payments, global payouts and crypto.
Yes. Every card goes into Apple Wallet or Google Wallet as soon as it is issued.
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.
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.
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.
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.