Every way to pay on one invoice
Cards, Apple Pay, Google Pay and bank (ACH) from the same pay page — or a USDC/USDT payment request for clients who pay in stablecoins. Clients never need an account or an app.
Invoicing
Branded invoices, paid in a tap. Paid out to your bank.
Send an invoice in your logo and colours, let your client pay by card, Apple Pay, Google Pay or bank, and have it land in your balance, ready to pay out to your bank — at 2.75% + 30¢ per card payment, with reminders and recurring billing that run themselves.
- Your logo, colours and domain
- Automatic reminders before and after the due date
- Deposits, partial and recurring invoices
- Payouts to your bank, instant where eligible
billing.lumendental.com/i/INV-2219
Lumen Dental
Invoice INV-2219 · Due Nov 3
Bill toJordan Lee| Porcelain crown, #14 | $980.00 |
|---|---|
| Crown prep & temporary | $180.00 |
| Cleaning & exam | $100.00 |
| Total | $1,260.00 |
- AMEX
- ACH
- Sent to Jordan LeeOct 20 · 9:02 AM
- Viewed by clientOct 20 · 9:14 AM
- Reminder sent automaticallyOct 27 · 9:00 AM
- Paid with Apple PayOct 27 · 9:41 AM
- Paid out to your bank ••4821Oct 27 · 2:15 PM
Who we work with
Built for the businesses that actually run the economy
From a two-person accounting practice to a dealership floor to a touring artist's LLC — if money moves through your business, it can move through Anytime Capital.
- CPAs & Accountants
- Financial Advisors
- Boat & Auto Dealerships
- Dental & Medical Practices
- Creators & Coaches
- Music & Entertainment
- Agencies & Consultants
- Contractors & Trades
- E-commerce & Retail
- Law Firms
- Salons & Spas
- Gyms & Studios
- Restaurants & Hospitality
- Real Estate & Property
Built for getting paid
Everything an invoice should already do
Most invoicing tools stop at generating a PDF. Yours sits on the account that actually receives the money, so the whole cycle — send, remind, collect, reconcile, pay out — closes itself.
Reminders that send themselves
Reminders go before, on and after the due date, at most one a day, and stop the moment the invoice is paid.
Recurring invoices
Retainers and monthly service plans issue a fresh copy on schedule — weekly, monthly, quarterly or yearly — until the end date you set.
Reconciled on payment
Card, bank and offline payments (cash, check, bank transfer) land against the invoice, the customer and the order, and export cleanly for your accountant.
Deposits and partial payments
Ask for a fixed or percentage deposit first, then collect the balance on the same invoice and the same job.
Cash flow
See what's owed, what's late, and what's landing
Every open invoice in one view, ordered by what actually needs attention — not by the date you happened to create it.
Ageing at a glance
Current, due soon and overdue are separated automatically so the follow-up list writes itself.
One client, one history
Invoices, payments, documents and messages sit on the same customer record rather than in four places.
Paid straight into your balance
Cleared invoices settle into your Anytime Capital Payments balance, ready to pay out to your bank.
Terms you choose
Due on receipt, Net 15, Net 30 or a date you pick — with the reminder schedule following the due date automatically.
Open invoices
Live- #1043 · Riverside Dental$4,800.00
- #1041 · Northgate Marine$12,250.00
- #1038 · Vega Media Group$2,150.00
- #1035 · Atlas Freight (USDC)$7,400.00
Branded checkout
Your logo, your colours, your domain
Every payment page, invoice and receipt carries your brand. Customers pay on pay.yourbusiness.com, see your logo and colour at checkout, and get a receipt from you, not from a processor they have never heard of.
- Custom checkout domainsPoint a subdomain you own at your checkout and we handle the certificate.
- Links, invoices and emailShare a link, send an invoice, or email a checkout to a customer from the dashboard.
- Subscriptions & billing portalRecurring plans with free trials, and a portal where customers update their own card.
- Discounts, tips, tax and shippingDiscount codes, tips, pay-what-you-want, sales tax and shipping, all on the same checkout.
Wholesale roaster · pay.harborandpine.com
pay.harborandpine.com
Harbor & PineInvoice
Wholesale order #1182
12 × 5 lb Ethiopia Guji · net 15
$384.00
Pay
or pay with card
1234 1234 1234 1234
- AMEX
MM / YY
CVC
Secure checkout by Anytime Capital
Payouts
Get paid out to your bank, on your schedule
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.
Balance · Anytime Capital Payments
Available to pay out
$248,310.42
+$31,904.18 today · 412 payments
Your bankBusiness accountRTP & FedNowWireACH to vendors71+ countriesUSDC & USDTCryptoEmployee cards
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.
One integration
Every way your customers want to pay
Cards and wallets on every checkout, bank payments on links and invoices, and stablecoins by payment request.
Cards
Every checkout, link, invoice and subscription
- Visa
- Mastercard
- AMEXAmerican Express
- Discover
- JCB
- Diners Club
- UnionPay
- Maestro
Wallets
Every checkout, including in person
- Apple Pay
- Google Pay
Bank
Payment links and invoices
- ACHACH bank debit
Stablecoins
Payment links, invoices and payment requests, paid straight to your wallet: USDC and USDT on Ethereum and Solana, USDT on Tron
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USDC.svg)
USDT
Pay later & more walletsComing soon
Not offered at checkout yet
- affirm
Bank payments switch on once your account is approved for them. Settings → Payments shows exactly which methods are on for yours.
Pricing
Lower card fees, and nothing hidden behind them
2.75% + 30¢ per card payment, no monthly fees, and every feature included. Processing $1M+ a year? Your rate is 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
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
How it works
From draft to deposited in four steps
No onboarding project, no implementation call, no separate merchant account.
- 1
Build the invoice
Pick the client, add line items, set your terms. Saved details fill themselves in next time.
- 2
Send it anywhere
Email it, text the link, or embed it. Your client never needs an account to pay.
- 3
They choose how to pay
Card, Apple Pay, Google Pay or bank — all from the same branded page.
- 4
It closes itself
The invoice is marked paid and reconciled, and the money is paid out to your bank on your schedule, instant where eligible.
- Businesses on the platform
- 1,000+
Businesses on the platform
- US states supported
- 43+
US states supported
- US-based support
- 24/7
US-based support
- Monthly platform fees
- $0
Monthly platform fees
Also available
Invoicing is one way to ask for money
Use whichever fits the job — they all settle into the same account.
Checkout links
For fixed-price work where an invoice is more ceremony than the sale needs.
Recurring plans
For retainers and memberships that should bill without anyone remembering.
Embedded checkout
For taking payment inside your own site at the moment of decision.
Bill pay
The other direction — schedule and pay the invoices you receive.
Who uses it
Invoicing in practice
The industries that lean on this the hardest, and what it looks like for them.
Frequently Asked Questions
Does my client need an Anytime Capital account to pay an invoice?
No. They open the link, choose how to pay — card, Apple Pay, Google Pay or bank (ACH) — and pay. No account, sign-up or app on their side. Clients who pay in stablecoins can be sent a USDC or USDT payment request instead.
How much does it cost to get paid by invoice?
2.75% + 30¢ per card or wallet payment, with no monthly fee and no per-invoice fee. New accounts that claim the launch offer pay 2.5% + 30¢ for their first 90 days, and businesses invoicing $1M+ a year get custom pricing.
Can my invoices carry my own logo and colours?
Yes. Your logo and brand colour appear on the invoice, the pay page, the receipt and the payment emails, and you can serve the pay page from a subdomain you own such as billing.yourbusiness.com.
How fast do I get the money from a paid invoice?
Paid invoices settle into your Anytime Capital balance. From Payouts in the dashboard: 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, whenever you like or on your automatic schedule, with each payout's expected arrival shown before you confirm.
Can I bill the same client every month automatically?
Yes. Set an invoice to recur and a fresh copy is issued on schedule until the end date you choose, each with its own reminders — useful for retainers, service plans and memberships.
What happens when an invoice goes overdue?
Automatic reminders go out before, on and after the due date (never more than one a day) and stop as soon as it's paid. The invoice also moves into the overdue group in your dashboard so the follow-up list stays accurate.
Can I take a deposit and bill the rest later?
Yes. Ask for a fixed amount or a percentage up front, and the client pays the balance on the same invoice later. Both payments stay tied to the same job and customer.
Can I record a payment I received by check or cash?
Yes. Mark an invoice paid offline as cash, check, bank transfer or other, with a note, so your books and the client's balance stay right.
Can I create invoices from my own software or with AI tools?
Yes. The REST API creates and sends invoices and a signed invoice.paid webhook tells your system when one is settled. AI tools like Claude can do the same through our MCP endpoint — see the developer docs.
Works with
The rest of the account
Everything here runs on the same balance and the same customer record, so nothing needs integrating to anything else.
Send your first branded invoice today
Open a business account, claim 2.5% + 30¢ for your first 90 days, and bill a client this afternoon — with payouts to your bank and customer records already behind it.