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    4. Stripe vs Anytime Capital

    Payment processor comparison

    Stripe
    vsAnytime Capital logo

    Stripe vs Anytime Capital

    Stripe is the default for developers, and it earned that: its API, documentation and ecosystem are the broadest in payments. Anytime Capital Payments charges 2.75% + 30¢ against Stripe's published 2.9% + 30¢, pays out to your bank with instant payouts where eligible, and takes stablecoins straight to your own wallet. Here is where each one wins.

    • 2.75% + 30¢ against Stripe's 2.9% + 30¢ online
    • Payouts to your bank, instant where eligible
    • REST API, webhooks and an MCP endpoint for AI tools
    Claim 2.5% + 30¢ for 90 daysSee pricing

    Updated October 2026. Stripe figures from its published US pricing; where a figure is not published, we say so.

    Balance · Anytime Capital Payments

    Available to pay out

    $248,310.42

    +$31,904.18 today · 412 payments

    Instant where eligible
    Your bankBusiness accountRTP & FedNowWireACH to vendors71+ countriesUSDC & USDTCryptoEmployee cards

    Payouts

      Quick answer

      Is Anytime Capital cheaper than Stripe?

      On standard US online card pricing, yes, by 0.15 percentage points: 2.75% + 30¢ against Stripe's published 2.9% + 30¢, or $3.05 against $3.20 on a $100 sale, and new businesses pay 2.5% + 30¢ for their first 90 days with the launch offer. Neither charges a monthly fee. Both offer instant payouts to an eligible bank: Stripe's cost 1.5% of each payout, and ours are priced in your dashboard before you confirm. Stripe is still the better choice if you need its depth: Connect for marketplaces, Billing for complex subscriptions, Terminal hardware and the largest library of integrations in payments.

      Published fees

      Stripe vs Anytime Capital fees, line by line

      FeeStripeAnytime Capital
      Online card rate2.9% + 30¢2.75% + 30¢ (2.5% + 30¢ for your first 90 days with the launch offer)
      In person2.7% + 5¢ on Stripe Terminal; Tap to Pay adds 10¢ per authorizationCustomers scan and tap to pay on their own phone; no terminal to buy or rent
      ACH bank payments0.8%, capped at $5ACH bank debit on payment links and invoices; current rate on the pricing page
      International cards+1.5% on international cardsMay carry an extra fee, shown in your dashboard before you accept the payment
      Currency conversion+1% when currency conversion is neededMay carry an extra fee, shown in your dashboard before you accept the payment
      Instant payout1.5% of the payout, 50¢ minimum (US)Instant, 24/7, to your Anytime Capital business account
      Disputes$15 per dispute, plus a counter fee to contest one (refunded if you win)Shown in your dashboard; pre-dispute alerts can refund small payments automatically
      Monthly fee$0 on standard pricing$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
      • Stripe
      0%2.5%5%Stripe standard3.2%Anytime Capital3.05%Launch offer, 90 days2.8%

      Stripe: 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.

      What one online card sale costs at each published rate
      SaleStripe standardAnytime CapitalLaunch offer, first 90 days
      $10$0.59$0.58$0.55
      $100$3.20$3.05$2.80
      $1,000$29.30$27.80$25.30
      Stripe fee calculatorWork out Stripe's fee on any amount, or what to charge to receive one, beside the same sale at 2.75% + 30¢.

      Credit where due

      What Stripe is genuinely good for

      • Developer-led SaaS companies, marketplaces and platforms that want the broadest payments API, Connect for paying out sellers, and Billing for complicated subscriptions.
      • Businesses selling in many countries that need dozens of local payment methods and presentment currencies through one integration.
      • Teams already built on Stripe, with plugins, reporting and engineers who know it, where the real cost of any processor is the cost of switching.
      01

      Where Stripe is genuinely ahead

      If you are building a marketplace that splits a payment between sellers, a SaaS product with usage-based billing and proration, or a checkout that has to speak twenty local payment methods, Stripe has a product for it, documented to a standard the rest of the industry copies. Connect, Billing, Terminal, Radar and Issuing are each a company's worth of engineering, and the library of plugins and engineers who already know the API is a real asset.

      Stripe is also moving fastest on what comes next. Its Sessions 2026 announcements expanded the Agentic Commerce Suite for AI agents that shop and pay, and it has been building stablecoin rails since closing its acquisition of Bridge in February 2025. If your roadmap depends on any of that, it is a reason to stay.

      Anytime Capital does not try to out-API Stripe. Anytime Capital Payments is built for businesses that want to take payments without a payments team: payment links, invoices, email checkout, subscriptions and in-person scan-and-tap from a dashboard, with a REST API, webhooks and an MCP endpoint for when you want to automate.

      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
      Supplier payouts on local rails in 71+ countries, from one balance. Illustrative product view.
      02

      What 0.15 points and a payout fee add up to

      Take a business doing $50,000 a month in $100 online card sales. At Stripe's 2.9% + 30¢ that is $1,600 in processing fees. At 2.75% + 30¢ it is $1,525, and during the launch offer's first 90 days $1,400. The gap is $75 a month, or $900 a year: useful, not life-changing.

      Getting the money out fast costs something at both. Moving a $48,000 balance with Stripe's Instant Payouts costs 1.5%, or $720, each time you do it. Anytime Capital shows what an instant payout costs in your dashboard before you confirm, and standard payouts to your bank are there when it can wait. Sales settling into an Anytime Capital business account you spend from, so spending does not wait on a payout at all.

      03

      Payouts: schedules and instant payouts

      Stripe pays out to the bank account you connect. Many lower-risk US businesses are on a 2-day schedule; higher-risk businesses can be on 14 days, and a new account waits 7 days for its first payout, which Instant Payouts do not skip. Instant Payouts themselves usually land within 30 minutes and are capped at 10 a day.

      On Anytime Capital: 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 an automatic schedule.

      04

      For developers: the API, webhooks and AI tools

      Anytime Capital's REST API creates payment links, invoices and customers from your own product and sends signed webhooks when anything changes. Every docs page can be copied as Markdown or opened in Claude with an integration prompt, and an MCP endpoint lets AI agents create links and invoices with a key you scope. It is a smaller surface than Stripe's, on purpose.

      If you need marketplace split payments, metered billing or card issuing for your own customers today, Stripe is the more complete product and we would tell you so on a call.

      05

      Switching without breaking anything

      You do not have to move everything at once. The usual pattern is to send new payment links and invoices through Anytime Capital while existing Stripe subscriptions run their course, then move the rest once the numbers are in front of you. Our US business team helps move links, invoices and customer records from your old processor.

      • Open a business account; most reviews finish within one business day
      • Claim the launch offer: 2.5% + 30¢ for your first 90 days of card payments
      • Send new links and invoices from Anytime Capital, under your own brand
      • Point your webhooks at Anytime Capital as you move each flow

      Side by side

      Stripe vs Anytime Capital, row by row

      A green check marks the platform with the edge on that row. Anytime Capital leads on 3 of 12.

      CategoryStripe logoStripeAnytime Capital logoOur pick
      Online card rate2.9% + 30¢2.75% + 30¢; 2.5% + 30¢ for your first 90 days
      Monthly fee$0 on standard pricing$0: no monthly, setup or PCI fees
      International cards and currency conversion+1.5% international cards, +1% conversionMay carry an extra fee, shown in your dashboard before you accept the payment
      Where payouts land, and how fastYour bank on a 2-day schedule for many businesses; Instant Payouts in about 30 minutes for 1.5% (50¢ minimum), 10 a dayPayouts 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
      Global payouts to suppliersPayouts to your own bank accounts; paying suppliers abroad is a separate product or providerLocal rails in 71+ countries plus SWIFT
      Disputes$15 per dispute, plus a counter fee to contest one (refunded if you win)Shown in your dashboard; pre-dispute alerts can refund small payments automatically
      Fraud toolsRadar included; Radar for Fraud Teams at 2¢ per screened transactionA 0–100 risk score on every payment, block rules by score, amount and card country, 3D Secure above an amount you choose, pre-dispute auto-refunds and evidence packs
      Payment methods and countriesCards, wallets, Link, Klarna, Affirm, ACH and a long list of local methods across many countriesVisa, Mastercard, American Express, Discover, JCB, Diners Club, UnionPay, Maestro; Apple Pay, Google Pay; ACH bank debit (payment links and invoices); USDC, USDT (payment links, invoices and payment requests, paid straight to your wallet: USDC and USDT on Ethereum and Solana, USDT on Tron)
      In personTerminal readers at 2.7% + 5¢, and Tap to PayKey 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
      Developer platformThe broadest API in payments: Connect, Billing, Terminal, Radar, Issuing and thousands of integrationsREST API, signed webhooks, an MCP endpoint so Claude and other AI agents can create payment links and invoices, and docs you can copy as Markdown
      SupportFree 24/7 email, chat and phone; dedicated manager on Premium SupportLive US-based business team by phone, chat and email on every account; a shared Slack channel, a named account manager and custom pricing for businesses processing $1M+ a year
      Business account, cards and payouts on one balanceA payments balance paid out to the bank you choose; Issuing and Treasury are built mainly for platformsPayments, an Anytime Capital business account, employee cards, global payouts in 71+ countries and crypto and stablecoin liquidity on one balance
      • Online card rate

        Stripe
        2.9% + 30¢
        Anytime
        2.75% + 30¢; 2.5% + 30¢ for your first 90 days
      • Monthly fee

        Stripe
        $0 on standard pricing
        Anytime
        $0: no monthly, setup or PCI fees
      • International cards and currency conversion

        Stripe
        +1.5% international cards, +1% conversion
        Anytime
        May carry an extra fee, shown in your dashboard before you accept the payment
      • Where payouts land, and how fast

        Stripe
        Your bank on a 2-day schedule for many businesses; Instant Payouts in about 30 minutes for 1.5% (50¢ minimum), 10 a day
        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
      • Global payouts to suppliers

        Stripe
        Payouts to your own bank accounts; paying suppliers abroad is a separate product or provider
        Anytime
        Local rails in 71+ countries plus SWIFT
      • Disputes

        Stripe
        $15 per dispute, plus a counter fee to contest one (refunded if you win)
        Anytime
        Shown in your dashboard; pre-dispute alerts can refund small payments automatically
      • Fraud tools

        Stripe
        Radar included; Radar for Fraud Teams at 2¢ per screened transaction
        Anytime
        A 0–100 risk score on every payment, block rules by score, amount and card country, 3D Secure above an amount you choose, pre-dispute auto-refunds and evidence packs
      • Payment methods and countries

        Stripe
        Cards, wallets, Link, Klarna, Affirm, ACH and a long list of local methods across many countries
        Anytime
        Visa, Mastercard, American Express, Discover, JCB, Diners Club, UnionPay, Maestro; Apple Pay, Google Pay; ACH bank debit (payment links and invoices); USDC, USDT (payment links, invoices and payment requests, paid straight to your wallet: USDC and USDT on Ethereum and Solana, USDT on Tron)
      • In person

        Stripe
        Terminal readers at 2.7% + 5¢, and Tap to Pay
        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
      • Developer platform

        Stripe
        The broadest API in payments: Connect, Billing, Terminal, Radar, Issuing and thousands of integrations
        Anytime
        REST API, signed webhooks, an MCP endpoint so Claude and other AI agents can create payment links and invoices, and docs you can copy as Markdown
      • Support

        Stripe
        Free 24/7 email, chat and phone; dedicated manager on Premium Support
        Anytime
        Live US-based business team by phone, chat and email on every account; a shared Slack channel, a named account manager and custom pricing for businesses processing $1M+ a year
      • Business account, cards and payouts on one balance

        Stripe
        A payments balance paid out to the bank you choose; Issuing and Treasury are built mainly for platforms
        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

      Stripe in six lines

      Background
      Founded 2010; headquartered in San Francisco and Dublin.
      Payout speed
      A 2-day standard schedule for many lower-risk US businesses (up to 14 days for higher-risk ones), after a 7-day wait for a new account's first payout. Instant Payouts usually land within 30 minutes, up to 10 a day.
      Payment methods
      Cards, Apple Pay, Google Pay, Link, Klarna, Affirm, ACH Direct Debit, a long list of local payment methods, and stablecoin payments in the US
      Fraud tools
      Radar machine-learning screening included; Radar for Fraud Teams adds custom rules and manual review for 2¢ per screened transaction on standard pricing; 3D Secure supported
      Point of sale
      Stripe Terminal card readers and Tap to Pay on phones
      Support
      Free 24/7 email, chat and phone support; Premium Support with a dedicated manager, priced on request

      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.

      Claim 2.5% + 30¢See pricing
      • 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 days
      • Open an account

        Sign up online; most reviews finish within one business day.

        Sign up
      • Switch from Stripe

        Import customers, plans, discount codes, payment links and open invoices with a read-only key.

        See how switching works
      • Processing $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.

      Read the API docsOpenAPI and the Node SDKBuild with Claude and other AI tools

      Anytime Capital Payments

      2.75% + 30¢

      per card or wallet payment · 2.5% + 30¢ for your first 90 days

      • No monthly, setup or PCI fees
      • Payouts to your bank, instant where eligible
      • Live US business team
      Claim 2.5% + 30¢See full pricing

      What people ask about Stripe

      • How much does Stripe charge for Instant Payouts?
        1.5% of every payout
        No payout fee, 24/7
        Read the answer
      • How long does Stripe take to pay out?
        2 days; 7 for the first
        Instantly, 24/7
        Read the answer
      • How much does Stripe charge per transaction?
        2.9% + 30¢
        2.75% + 30¢
        Read the answer
      • Does Stripe accept crypto?
        Stablecoin payments (US)
        Stablecoins and 38+ assets
        Read the answer

      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.

      1. Your website

        A Pay button, the checkout inline, or a hosted checkout on pay.yourbusiness.com.

      2. Checkout

        Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and ACH, in your logo and colour.

        • AMEX
        • ACH
      3. 3D Secure

        Customers confirm larger payments with their bank, which usually moves fraud liability to the issuer.

      4. Risk rules

        Block card countries, cap amounts and decline high-risk scores before the card is charged.

      5. Instant payout

        Settled sales land in your Anytime Capital bank account, nights and weekends included.

      Harbor & Pine · Wholesale order #1182$384.00 paid out to your bank account ••4821Processing

      3D Secure and risk rules, in the dashboard

      anytime-capital.com/dashboard/business/settings/risk
      Payment rules in the Anytime Capital dashboard: block card countries, require 3D Secure on payments of $500 or more, and a maximum amount per payment
      Add checkout to any website
      <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.

      See payment processing

      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.

      • Luna Hair Studio receipt for $258: balayage and cut, a deep-conditioning treatment and a $43 tip, paid with Apple PaySalons & spasThe receipt, with the tip and the salon's own thank-you messagePayments for salons & spas
      • Anytime Capital checkout for Northside Pilates' unlimited monthly membership at $149 a month with a 7-day free trialGyms & fitness studiosA membership plan's checkout, with its free trialPayments for gyms & fitness studios
      • Harbor Point Property Mgmt invoice INV-1107 for November rent on Unit 4B plus parking, $1,925 due November 1Property managementA rent invoice, with rent and parking as separate linesPayments for property management
      • Anytime Capital checkout for Riverbend Food Bank's winter food drive, with a suggested $50 giftNonprofitsA donation link: donors choose the amountPayments for nonprofits
      • Fresh Start Home Services quote Q-0218 for a $496 deep clean with oven, fridge and window add-ons, valid until November 4Home servicesA quote the customer accepts onlinePayments for home services
      • Golden Hour Photography quote Q-0094 for a $3,650 wedding collection and engagement session, accepted by Jordan RiveraPhotographers & videographersA quote, accepted online by the clientPayments for photographers & videographers
      • Crescendo Music & Tutoring invoice INV-0356 to a parent for four 45-minute math tutoring sessions and an SAT practice test review, $300Tutors & lesson teachersAn invoice to a parent for the month's sessionsPayments for tutors & lesson teachers
      • Little Acorns Learning Center invoice INV-2611 for two children's November tuition with a $105 sibling discount, $2,395 due November 1Childcare & daycareA family's monthly tuition invoice, with a sibling discountPayments for childcare & daycare
      • Wag & Whisker Pet Care receipt for $138: a full groom, nail grind and teeth brushing and a $23 tip, paid with Google Pay, with the pet's name BiscuitPet care & groomingThe receipt, with the tip, the pet's name and your thank-you messagePayments for pet care & grooming
      • Ridgeline Auto Care quote Q-1042 for a $666 brake job on a 2019 Honda CR-V: parts, two hours of labor and a brake fluid flushAuto 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.

      Fee calculator

      $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

      First 90 days at 2.5% + 30¢

      $1,426 instead of $1,551

      Claim the launch offer

      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 account

      Available

      $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

      See the bank account

      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
      Read the quickstart All docs
      Create a payment link
      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
      Connect the MCP server
      Claude Code · harbor-and-pine

      $ 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

      anytime-capital.com/dashboard/business/settings/developers
      Developer settings in the Anytime Capital dashboard: API keys, including one for Claude over MCP, and a webhook endpoint

      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
      anytime-capital.com/dashboard/business/reports
      Reports in the Anytime Capital dashboard: downloads formatted for QuickBooks Online and Xero, and a payouts file
      See reporting

      Wallets

      Take Apple Pay and Google Pay at every checkout, and add your employee cards to both.

      • Apple PayAccept & spend
      • Google PayAccept & spend
      See payment methods

      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
      Docs for AI assistants

      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
      See website checkout

      Questions

      Stripe vs Anytime Capital: FAQ

      Stripe against other processors

      • Stripe vs Square
      • Stripe vs PayPal
      • Shopify Payments vs Stripe
      • Stripe vs Braintree

      Compare other payment processors

      • Best payment processors
      • Square vs Anytime Capital
      • PayPal vs Anytime Capital
      • Shopify Payments vs Anytime Capital
      • Braintree vs Anytime Capital

      Where to go next

      • Switch from Stripe
      • Anytime Capital Payments
      • Payments pricing
      • Credit card processing fee calculator
      • Claim 2.5% + 30¢ for 90 days
      • Payments for online stores

      Important Disclosures

      • Information about Stripe is drawn from its own published US pricing and pages (stripe.com/pricing, stripe.com/terminal, stripe.com/radar/fraud-teams, stripe.com/support-plans, docs.stripe.com/payouts and Stripe's Sessions 2026 announcements) as of October 2026. Prices and features change; where a figure was not published or Stripe's pages disagreed, this page says so rather than giving a number. Check current pricing before you decide.
      • Anytime Capital and Stripe are independent companies. This page is not endorsed by, affiliated with or sponsored by Stripe. 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.
      Anytime Capital
      (470) 748-2530
      App Store

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      • Invoicing
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      Branches

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      • All branches

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      • Platform Agreement
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      • Fraud Notice

      © 2026 Anytime Capital LLC. Anytime Capital is a fintech company, not a bank.

      The Anytime Capital Mastercard® Prepaid Card is issued by Pathward®, N.A., Member FDIC. Mastercard® is a registered trademark of Mastercard International Incorporated. All other trademarks and service marks belong to their respective owners.

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