Anytime Capital Payments lets a verified business take payments by payment link, invoice, a Pay button on its own website and QR code in person, then pay the money out from one balance. Online card payments are 2.75% + 30¢, and you can start without writing code: everything here is also in the dashboard.
Choose your path
I write code
QuickstartFrom a new account to a paid payment link and a verified webhook.Accept a payment in Next.jsThe whole flow in one App Router app, every file included.API referenceEvery endpoint with curl, Node.js and Python, generated from the OpenAPI document.Verify webhooksSignature checks for Express, Next.js, Flask, FastAPI and PHP.
I don't write code
Checkout & websitePayment links, a Pay button for your site, your logo and colours.In person (QR)Key in an amount and let the customer pay on their phone.Shopify, WooCommerce and ZapierPlug payments into the tools you already use.Payout optionsPayouts to your bank today, how fast they arrive, and what is coming soon.
I'm building with AI
AI agents hubConnect Claude, Cursor or VS Code to your account through the MCP server.Safe AI agentsA restricted key per agent, approval limits, and what agents can never do.Prompt libraryPrompts for invoicing, reconciling, refunds and subscriptions.Custom agentsThe MCP server from your own code and the Claude API.
What you can build
- Payment links: a hosted checkout page for one price, made in the dashboard or with
POST /api/v1/payment-links, shared anywhere or created per order. - Invoices: line items, tax, deposits and reminders, emailed in your branding and paid by card.
- Website checkout: a Pay button that opens checkout over your page, or the checkout inline, in a few lines of HTML.
- In person: key in an amount, show a QR code, and the customer pays on their own phone. No card reader.
- Subscriptions and usage: plans with trials, coupons and plan changes, and usage billed from meters.
- Automation: read payments, refunds, payouts and disputes, manage customers, products and codes, and react to every change by webhook.
- AI agents: let Claude or another assistant draft invoices, make links, look up payments and refund within your approval limit through the MCP server.
The API at a glance
| Topic | Detail |
|---|---|
| Base URL | https://anytime-capital.com/api/v1 |
| Authentication | Authorization: Bearer ak_live_…, a secret key from Settings → Developers. See Authentication. |
| Format | JSON in and out. Every object has an object field naming its type. |
| Money and time | Integer cents (12500 is $125.00); ISO 8601 times in UTC. |
| Errors | { "error": { "code", "message" } } with a stable code. See Errors. |
| Lists | Newest first, limit up to 100 (default 25) and cursor. See Pagination. |
| Retries | Idempotency-Key on every POST, remembered 24 hours. See Idempotency. |
| Rate limit | 100 requests a minute per key. See Rate limits. |
| Webhooks | Signed with HMAC-SHA256, retried for 24 hours. See Webhooks. |
| MCP server | https://anytime-capital.com/api/mcp, same key. See Build with AI. |
New to Anytime Capital? Create your business account: the API opens once your business is verified.
Every page
Get started
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.Test modeBuild and test every payment flow without real money: test mode, ak_test_ API keys, sandbox test cards, test webhooks, sample data and event simulators.Guides & recipesStep-by-step guides with complete code for Anytime Capital Payments: Next.js checkout, webhooks, refunds, reconciliation, subscriptions, usage and stablecoins.Switch from StripeImport customers, products, plans, discount codes, payment links and open invoices from Stripe, then move subscribers without charging anyone twice.Import from ShopifyBring Shopify products and variants, customers and discount codes over in minutes with read-only access. See what moves, what doesn't, and why.Import from WooCommerceBring WooCommerce products and variations, customers and coupons over with a read-only REST API key. See what moves, what doesn't, and why.Import from SquareBring your Square item catalog and customer directory over with an access token. See what moves, what doesn't, and how sandbox data works.Import a CSV fileUpload customers or products from any spreadsheet, or a Shopify, Wix, Squarespace or Etsy export. Every row is checked before anything is saved.Stripe API mappingMap Stripe API calls to Anytime Capital: checkout, payment links, customers, prices, subscriptions, invoices, refunds and webhooks, in Node and curl.PricingAnytime Capital Payments costs 2.75% + 30¢ per successful card payment, with no monthly, setup or PCI fees, and custom pricing at $1M+ a year.SupportReach Anytime Capital's US-based business team by phone, chat and email, with a dedicated payments team and shared Slack channel for larger businesses.FAQAnswers about Anytime Capital Payments: payment methods, payouts, the API and webhooks, AI and MCP integration, security, verification and pricing.
Payments
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.Guide: Next.js checkoutA complete Next.js App Router integration: a single-use payment link per order made on the server, a redirect to it, and a verified webhook that marks it paid.In person (QR)Take payments face to face with no card reader: key in an amount, show a QR code, and your customer pays on their own phone with Apple Pay, Google Pay or card.Payment methodsThe cards, wallets, bank payments and stablecoins Anytime Capital Payments accepts today, where each is offered, and the methods that are coming soon.Stablecoin checkoutLet customers pay your payment links and invoices in USDC or USDT, straight to your own business wallet, with exact-amount matching and on-chain confirmation.Guide: take stablecoinsTake stablecoin payments with no change to your checkout code: switch them on, fulfil on payment.succeeded, and keep the on-chain transaction with each order.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.Dispute evidenceWhen a card dispute opens, we build an evidence pack from your records, write the response for the bank's reason and fill in your draft. Track your win rate.International customersCustomers outside the US pay your links and invoices by card in US dollars. How conversion, refunds and disputes work for them, and what isn't available yet.Guide: safe refundsRefund payments from your code without ever refunding twice: a stored Idempotency-Key, retries that are safe, refunds waiting for approval, and events.Bank transfers on invoicesLet customers pay invoices by ACH or wire into your own bank account: your details on the invoice page, PDF and email, with the invoice number as reference.
Billing
Subscription discountsOffer discount codes on subscription plans for the first payment, several months or every payment, and move subscribers between plans with fair proration.Guide: sell subscriptionsCreate subscription plans, send customers to subscribe, offer coupon codes, let them change plans, and keep access in your app in step with webhooks.Usage billingBill customers by use with Anytime Capital Payments: meters, usage events sent from your code, and usage invoiced and charged each billing period.Guide: report usageSend usage from your app to Anytime Capital meters in safe, idempotent batches of 100, read a customer's usage back, and let it bill on their subscription.
Money movement
Payout optionsWithdraw your Anytime Capital balance to your bank, standard or instant where eligible. Local rails in 71+ countries.Guide: reconcile payoutsA nightly job that pulls a day's payments, refunds and payouts from the Anytime Capital API, writes a CSV, matches payouts to your bank and flags problems.Accounting syncPost every payment, refund, dispute, card processing charge and payout from Anytime Capital Payments to QuickBooks Online or Xero, once each.Revenue analyticsHow the Analytics page counts gross and net volume, fees, refunds, disputes, MRR movement, churn, retention cohorts, lifetime revenue and the payouts forecast.
Developers
AuthenticationAuthenticate Anytime Capital Payments API requests with a secret key: restrict each key to the resources it needs, and rotate or revoke keys safely.Errors & retriesEvery Anytime Capital Payments API error has one JSON shape: a stable code to branch on and a message for people. How to handle them and retry safely.PaginationList endpoints in the Anytime Capital Payments API return the newest objects first, a page at a time. Page with limit and the opaque nextCursor.IdempotencySend an Idempotency-Key header on every POST to the Anytime Capital Payments API so a retried request never creates a second link, invoice or email.Rate limitsEach Anytime Capital Payments API key may make 100 requests a minute. Over that, requests answer 429 with a Retry-After header in seconds.WebhooksGet Anytime Capital Payments events by webhook: payments, refunds, disputes, invoices and subscriptions, signed with HMAC-SHA256 and retried for 24 hours.Verify webhooksCopy-paste webhook handlers that verify the Anytime-Signature header on the raw body: Express, Next.js, Flask, FastAPI and PHP, and how to test them locally.Node SDK (preview)The @anytimecapital/node SDK preview: typed resources, auto-pagination, Idempotency-Key retries, typed errors and webhook verification for Node.js 18+.CLI (preview)The anytime CLI preview: forward test webhook events to localhost, signed like real deliveries, and trigger payment, refund and dispute test events.Postman collectionImport every Anytime Capital Payments API endpoint into Postman, Insomnia or Bruno from one link, with your test key as a variable and example bodies.
AI
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.Safe AI agentsGive AI agents least-privilege access to Anytime Capital Payments: a restricted key per agent, presets per use case, refund approval limits and idempotency.Custom agentsConnect your own agent to Anytime Capital Payments over MCP with an API key: raw JSON-RPC, the TypeScript and Python MCP SDKs, and the Claude API MCP connector.Prompt libraryPrompts for AI agents connected to Anytime Capital Payments: invoice customers, chase overdue invoices, reconcile a month, refund safely and win customers back.
Integrations
Website buildersAdd a Pay button, the checkout or a payment link to Wix, Squarespace, Webflow, WordPress, Framer, GoDaddy, Carrd, Ghost, Linktree or plain HTML, step by step.ShopifyTake card payments at your Shopify checkout with the Anytime Capital Payments app: install, link your business, activate it, and refund from Shopify.Shopify orders by invoiceTake card payments on Shopify today: a manual payment method, your store's own app, and Anytime Capital invoices that mark orders paid in Shopify.WooCommerceAdd Anytime Capital Payments to WooCommerce: install the plugin, connect your API key and a signed webhook, and take card payments with refunds from orders.ZapierConnect Anytime Capital Payments to your other apps with Zapier: start Zaps on payments, refunds and invoices, and create payment links, invoices and refunds.Slack, Discord and TeamsPost new payments, refunds, disputes, payouts, subscriptions, invoices and a daily summary to your team's Slack, Discord or Microsoft Teams channel.
Reference
PaymentsList and retrieve payments with the Anytime Capital Payments API: status, amounts, net after fees, method, customer, metadata and disputes, filtered by date.RefundsRefund a payment in full or in part with the Anytime Capital Payments API, safely retried with an Idempotency-Key, within your refund approval limit.DisputesRead the disputes and chargebacks on your payments with the Anytime Capital Payments API: status, reason, amount, evidence deadline and evidence pack.Payment linksCreate, update and deactivate hosted payment links with the Anytime Capital Payments API: one per order or reusable, with metadata, and prefilled checkout.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.CustomersCreate, update and look up your saved customers with the Anytime Capital Payments API, one per email address, to match payments and invoices to them.ProductsManage your product catalog with the Anytime Capital Payments API: create products with a price, SKU and shipping flag, update them and archive them.Subscriptions & plansCreate subscription plans, list subscribers, and cancel, pause or resume subscriptions with the Anytime Capital Payments API, with trials and webhooks.Discount codesCreate and deactivate discount codes with the Anytime Capital Payments API: a percentage or amount off, with an optional use limit and expiry date.Meters & usage eventsSend usage events to Anytime Capital meters one at a time or in batches of 100, list your meters and read a customer's usage, for usage-based billing.Payouts & balanceRead your payouts and your payments balance with the Anytime Capital Payments API: status, amount, bank trace number and expected arrival, read only.Webhook endpointsSubscribe and unsubscribe webhook URLs from your own code with the Anytime Capital Payments API, REST-hook style, and get each endpoint's signing secret.EventsRead every event Anytime Capital Payments emitted for your business in the last 30 days, to reconcile or catch up after missed webhook deliveries.Test helpersSend your test webhook endpoints a payment, refund, dispute, invoice or subscription event on demand, with an ak_test_ key. Never with a live key.OpenAPI specThe whole Anytime Capital Payments API as an OpenAPI 3.1 document: every endpoint, schema, permission and error, public, for code generators and AI tools.Error codesEvery error code the Anytime Capital Payments API returns: its HTTP status, what it means, how to fix it, whether to retry, and which endpoints return it.ChangelogWhat's new in Anytime Capital Payments, newest first: API endpoints, webhook events, the MCP server, the Node SDK, checkout, billing and integrations.GlossaryThe words used across the Anytime Capital Payments docs and API, from approval limit and clearing account to idempotency key, meter and signing secret.