Payment processor comparison
PayPal vs Anytime Capital
PayPal's strength is the button. Most online shoppers recognise it, and a PayPal or Venmo option can lift conversion. That trust has a price: PayPal Checkout is 3.49% + 49¢ per sale and your customer's receipt says PayPal. Anytime Capital Payments charges 2.75% + 30¢ on cards and wallets, under your own brand, and pays out to your bank, instant where eligible.
- 2.75% + 30¢ against PayPal Checkout's 3.49% + 49¢
- Your brand on the checkout and the receipt
- Payouts to your bank, instant where eligible
Updated October 2026. PayPal figures from its published US pricing; where a figure is not published, we say so.
Wholesale roaster · pay.harborandpine.com
Wholesale order #1182
12 × 5 lb Ethiopia Guji · net 15
$384.00
- AMEX
Secure checkout by Anytime Capital
Quick answer
Is Anytime Capital cheaper than PayPal?
For card and wallet payments, yes. Anytime Capital Payments is 2.75% + 30¢; PayPal Checkout is 3.49% + 49¢, so a $100 sale costs $3.05 against $3.98. PayPal's card processing on Expanded Checkout is 2.89% + 29¢, or $3.18 on the same sale, and a cent cheaper than ours below about $7. PayPal also adds 1.5% on international commercial transactions and a 3% currency-conversion spread. PayPal is still worth offering where your buyers ask for it; a PayPal option on Anytime Capital checkout is coming soon, and today checkout takes cards, Apple Pay and Google Pay.
Published fees
PayPal vs Anytime Capital fees, line by line
| Fee | PayPal | Anytime Capital |
|---|---|---|
| Online card rate | 3.49% + 49¢ for PayPal Checkout; cards 2.89% + 29¢ to 2.99% + a fixed fee, by product | 2.75% + 30¢ (2.5% + 30¢ for your first 90 days with the launch offer) |
| In person | 2.29% + 9¢ for QR code and card payments in person | Customers scan and tap to pay on their own phone; no terminal to buy or rent |
| ACH bank payments | Not published separately | ACH bank debit on payment links and invoices; current rate on the pricing page |
| International cards | +1.5% on international commercial transactions | May carry an extra fee, shown in your dashboard before you accept the payment |
| Currency conversion | 3% spread on currency conversion (4% on some conversions) | May carry an extra fee, shown in your dashboard before you accept the payment |
| Instant payout | Not published for business accounts | Instant, 24/7, to your Anytime Capital business account |
| Disputes | $20 per chargeback | Shown in your dashboard; pre-dispute alerts can refund small payments automatically |
| Monthly fee | $0 | $0: no monthly, setup or PCI fees |
US pricing as of October 2026. “Not published” and “quote-only” mean no official figure was found, not that the fee is zero.
What a $100 online card sale costs
Percentage plus fixed fee, as a share of a $100 sale, at each published US rate
- Anytime Capital
- PayPal
PayPal: published US online rates as of October 2026. Anytime Capital: 2.75% + 30¢, or 2.5% + 30¢ for the first 90 days with the launch offer. Excludes international, currency-conversion, dispute and payout fees, and any monthly plan.
| Sale | PayPal Checkout | PayPal card (Expanded Checkout) | Anytime Capital | Launch offer, first 90 days |
|---|---|---|---|---|
| $10 | $0.84 | $0.58 | $0.58 | $0.55 |
| $100 | $3.98 | $3.18 | $3.05 | $2.80 |
| $1,000 | $35.39 | $29.19 | $27.80 | $25.30 |
Credit where due
What PayPal is genuinely good for
- Consumer-facing online stores whose buyers trust a PayPal or Venmo button and convert better when they see one.
- Sellers who want Pay Later and Venmo at checkout without building anything.
- Marketplaces and individual sellers paid by people who would rather not type a card number into a site they have never used.
The PayPal button is worth something. Know what it costs.
Shoppers who already have a PayPal or Venmo login can pay without typing a card number, which matters most on mobile and with first-time buyers. For some stores that is worth more than any difference in rate, and we would not tell them to drop it.
The cost is in the fixed fee as much as the percentage. On a $10 sale, PayPal Checkout's 3.49% + 49¢ takes $0.84, more than 8% of the sale; 2.75% + 30¢ takes $0.58. On $100 it is $3.98 against $3.05, and on $1,000, $35.39 against $27.80. Pay Later costs the seller more again, at 4.99% + 49¢.
Your balance
$412,880.00
USD · Anytime Capital
0 of 6 paid today
Lukas WeberWeber Feinmechanik · Stuttgart€8,420.00SEPA InstantSending
Oliver BennettBennett Print Co. · Manchester£5,150.00Faster PaymentsSending
Valeria OrtizTextiles Ortiz · GuadalajaraMX$184,300SPEISending
Camila RochaRocha Café Exportação · São PauloR$46,900PIXSending
Arjun MehtaMehta Spice Traders · Kochi₹695,000UPISending
Wanjiru KamauKamau Fresh Produce · NairobiKSh 1,120,000Mobile moneySending
International buyers and currency conversion
PayPal adds 1.5% to international commercial transactions and converts currency at a 3% spread, 4% on some conversions. For a business that sells abroad, those two lines can cost more than the processing fee itself.
Anytime Capital Payments shows any international-card or conversion fee in your dashboard before you accept the payment, and buyers abroad can pay in USDC or USDT straight to your business wallet, with no conversion spread. Paying suppliers abroad on local rails in 71+ countries (SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money) from the same balance.
Whose name is on the receipt
A PayPal payment sends your customer through PayPal's flow, and the email they keep comes from PayPal. That is the trade for the trust: the customer relationship is shared with the wallet.
Anytime Capital Payments puts your logo and colour on checkout, invoices, receipts and payment emails, served from a domain you own such as pay.yourbusiness.com. Receipts come from you, and the customer record, invoices and payment history live on one record in your dashboard.
Crypto payments, and what happens after
PayPal's Pay with Crypto lets US merchants accept more than 100 cryptocurrencies through wallets such as Coinbase and MetaMask, settling in PYUSD or dollars, at 0.99% until July 31, 2026. PayPal had not published the rate after that date in what we found.
Anytime Capital takes USDC and USDT on payment links and invoices, paid straight to the business's own wallet on Ethereum or Solana (USDT also on Tron). The business can hold them, send them on the same day, or sell them for dollars paid to its bank account.
Side by side
PayPal vs Anytime Capital, row by row
A green check marks the platform with the edge on that row. Anytime Capital leads on 4 of 11.
Online checkout rate
- PayPal
- PayPal Checkout 3.49% + 49¢
- Anytime
- 2.75% + 30¢; 2.5% + 30¢ for your first 90 days
Card processing
- PayPal
- 2.89% + 29¢ on Expanded Checkout (the fee table also lists 2.99% + a fixed fee)
- Anytime
- 2.75% + 30¢, lower on sales above about $7
Pay later
- PayPal
- PayPal Pay Later at 4.99% + 49¢
- Anytime
- Not offered yet; pay-later options are coming soon
Wallet reach
- PayPal
- PayPal and Venmo, wallets most US shoppers recognise
- Anytime
- Apple Pay and Google Pay on every checkout; PayPal and Cash App Pay coming soon
In person
- PayPal
- 2.29% + 9¢ for QR and card; Tap to Pay in the app
- Anytime
- Key in an amount on any phone, tablet or laptop; the customer scans the code and taps to pay on their own phone. No terminal hardware
International and currency conversion
- PayPal
- +1.5% international; 3% conversion spread (4% on some)
- Anytime
- May carry an extra fee, shown in your dashboard before you accept the payment
Chargebacks
- PayPal
- $20 per chargeback
- Anytime
- Shown in your dashboard; pre-dispute alerts can refund small payments automatically
Branding
- PayPal
- PayPal's checkout flow and PayPal receipts
- Anytime
- Your logo and colour on checkout, invoices, receipts and payment emails, served from a domain you own such as pay.yourbusiness.com
Getting paid out
- PayPal
- PayPal balance, then a transfer to your bank; business instant transfer rate not published
- Anytime
- 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; the price of an instant payout is shown before you confirm
Crypto
- PayPal
- Pay with Crypto at 0.99% until July 31, 2026 (later rate not published), settling in PYUSD or dollars
- Anytime
- USDC and USDT on links and invoices, paid to your own wallet to hold, send or sell for dollars
Business account, cards and payouts on one balance
- PayPal
- A PayPal business balance; a business account and supplier payouts on local rails come from other providers
- Anytime
- Payments, an Anytime Capital business account, employee cards, global payouts in 71+ countries and crypto and stablecoin liquidity on one balance
At a glance
PayPal in six lines
- Background
- Founded 1998 and launched 1999; headquartered in San Jose, California. Owns Venmo and Braintree.
- Payout speed
- Sales land in your PayPal balance, then transfer to your bank. PayPal does not publish a separate instant transfer rate for business accounts; its consumer fee page lists 1.75% (25¢ minimum, $25 maximum).
- Payment methods
- PayPal wallet, Venmo, PayPal Pay Later, cards, and Pay with Crypto for US merchants (100+ cryptocurrencies through wallets such as Coinbase and MetaMask)
- Fraud tools
- Not priced on the fee pages we reviewed; Braintree's Chargeback Protection (from 0.4%) is PayPal's paid add-on for its gateway
- Point of sale
- QR code and card payments in person at 2.29% + 9¢; Tap to Pay in the PayPal app with no hardware cost
- Support
- Not published with pricing
Launch offer
Try Anytime Capital Payments: 2.5% + 30¢ for your first 90 days
Then 2.75% + 30¢ per card or wallet payment, with no monthly, setup or PCI fees. Links, invoices and in-person payments from day one, payouts to your bank (instant where eligible), and QuickBooks Online or Xero sync.
- 2.75% + 30¢ online, 2.5% + 30¢ for 90 days
- No monthly, setup or PCI fees
- Payouts to your bank, instant where eligible
- Live US business team
Ways to start
Start with Anytime Capital Payments today
Launch offer
2.5% + 30¢ for your first 90 days of card payments, then 2.75% + 30¢.
Claim 2.5% for 90 daysOpen an account
Sign up online; most reviews finish within one business day.
Sign upSwitch from Stripe
Import customers, plans, discount codes, payment links and open invoices with a read-only key.
See how switching worksProcessing $1M+ a year?
Custom or interchange-plus pricing, a shared Slack channel and a named account manager.
Talk to sales
Payouts
Getting paid out
Sales settle into your Anytime Capital Payments 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.
- 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.
- 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.
- 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.
- Same day
Domestic wire
Fedwire for large or time-critical payments: closings, inventory, payroll top-ups and anything a counterparty wants by wire.
- 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.
- 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.
- 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.
- 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.
- Instant
Employee and vendor cards
Fund physical and virtual business cards straight from your payments balance, with limits per person, team or merchant.
For developers and AI agents
A REST API described in OpenAPI 3.1, 25 signed webhook events, restricted API keys, an MCP server for AI agents and a Node SDK in preview, with every docs page available as Markdown.
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.
3D Secure and risk rules, in the dashboard
<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.
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.
Salons & spasThe receipt, with the tip and the salon's own thank-you messagePayments for salons & spas
Gyms & fitness studiosA membership plan's checkout, with its free trialPayments for gyms & fitness studios
Property managementA rent invoice, with rent and parking as separate linesPayments for property management
NonprofitsA donation link: donors choose the amountPayments for nonprofits
Home servicesA quote the customer accepts onlinePayments for home services
Photographers & videographersA quote, accepted online by the clientPayments for photographers & videographers
Tutors & lesson teachersAn invoice to a parent for the month's sessionsPayments for tutors & lesson teachers
Childcare & daycareA family's monthly tuition invoice, with a sibling discountPayments for childcare & daycare
Pet care & groomingThe receipt, with the tip, the pet's name and your thank-you messagePayments for pet care & grooming
Auto repairThe estimate, sent as a quote the customer approves onlinePayments for auto repair
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.
$50,000
- 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
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.
One platform
Everything a business banks on, in one account
A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.
Operating accountAvailable
$482,310.55
- Account
- •••• 4821
- Routing
- •••• 0371
- Receive by
- ACH · Wire · RTP · FedNow
- Weber FeinmechanikSEPA Instant€8,420.00Sending
- Textiles OrtizSPEIMX$184,300Sending
- Mehta Spice TradersUPI₹695,000Sending
Receive by ACH, wire, RTP and FedNow in your business's own name
Pay suppliers and contractors in 71 countries over the rail their bank already uses
SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money, with SWIFT everywhere else
Card sales land in the same balance the minute they settle
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
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" }
}'- QuickstartGo 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.Read
- Payment linksCreate, update and deactivate hosted payment links with the Anytime Capital Payments API: one per order or reusable, with metadata, and prefilled checkout.Read
- Checkout & websiteTake payments with hosted payment links, a Pay button or inline checkout on your website, your own checkout domain and your logo and brand colour.Read
- InvoicesCreate, list and send invoices with the Anytime Capital Payments API: line items, discount, tax and deposits, emailed in your branding and paid by card.Read
- WebhooksGet Anytime Capital Payments events by webhook: payments, refunds, disputes, invoices and subscriptions, signed with HMAC-SHA256 and retried for 24 hours.Read
- Fraud rules & 3D SecureProtect your Anytime Capital payments: block card countries, require 3D Secure above an amount, cap payment size, block high-risk scores and auto-refund alerts.Read
- Payout optionsWithdraw your Anytime Capital balance to your bank, standard or instant where eligible. Local rails in 71+ countries.Read
- AI agents hubConnect 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.Read
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
$ 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
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
Wallets
Take Apple Pay and Google Pay at every checkout, and add your employee cards to both.
- Apple PayAccept & spend
- Google PayAccept & spend
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
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
Questions
PayPal vs Anytime Capital: FAQ
PayPal against other processors
Compare other payment processors
Where to go next
Important Disclosures
- Information about PayPal is drawn from its own published US pricing and pages (paypal.com/us/business/paypal-business-fees, paypal.com/us/business/fees, PayPal's consumer fee page and user agreement, and PayPal's July 2025 Pay with Crypto announcement) as of October 2026. Prices and features change; where a figure was not published or PayPal's pages disagreed, this page says so rather than giving a number. Check current pricing before you decide.
- Anytime Capital and PayPal are independent companies. This page is not endorsed by, affiliated with or sponsored by PayPal. Third-party names, logos and trademarks belong to their owners and are used only to identify the company compared.
- Product views on this page are illustrations of the Anytime Capital dashboard and checkout; dashboard screenshots show a demonstration business with sample data.
- This comparison is for information only and is not financial, tax or legal advice.
- 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.
- 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.