Anytime Capital Payments for ecommerce
Payments for online stores that pay you out on your schedule.
Take cards, Apple Pay and Google Pay on WooCommerce today, sync every sale to QuickBooks or Xero, stop card testing before the card is charged, and pay each day's sales out to your bank, instant where eligible. 2.75% + 30¢, 2.5% + 30¢ for your first 90 days.
- WooCommerce plugin, live today
- Shopify app awaiting Shopify's approval
- QuickBooks Online and Xero sync
- One-click checkout for returning buyers
Juniper & Oak
Checkout · 2 items
| Linen throw — Sage | $128.00 |
|---|---|
| Stoneware mug set × 2 | $64.00 |
| Shipping | $8.00 |
| Total | $200.00 |
Anytime Capital Payments
Secure checkout by Anytime Capital
- Online card rate
- 2.75% + 30¢Online card rate
- First 90 days with the launch offer
- 2.5% + 30¢First 90 days with the launch offer
- Payouts to your Anytime Capital account
- InstantPayouts to your Anytime Capital account
- Countries on local payout rails
- 71+Countries on local payout rails
- Monthly, setup or PCI fees
- $0Monthly, setup or PCI fees
Works with your stack
The platforms and tools your store already runs
Each card says where it stands: live means it works end to end today, and anything still on its way says so.
Plugin liveWooCommerce
Cards, Apple Pay and Google Pay at your WordPress checkout, refunds from the order screen.
Learn more
Awaiting Shopify's approvalShopify
The checkout app is built and in Shopify's review. Use invoices, links and payouts today.
Learn more
Live syncQuickBooks Online
Sales receipts, processing expenses, refunds and payout transfers, every 30 minutes.
Learn more
Live syncXero
Receive Money, Spend Money and bank transfers through a clearing account.
Learn more
Import fromStripe
Bring customers, plans, discount codes and open invoices across; move subscribers once.
Learn more
Coming soonZapier
Zaps on payments, refunds and invoices; create links, invoices and refunds from other apps.
See what's coming- No plugin
Any website
Payment links, a copy-paste Pay button or the embedded checkout on any site builder.
Learn more - Live
API & webhooks
Payment links, invoices, customers and payments, with signed webhooks and an MCP server.
Learn more
Why stores choose Anytime Capital
Built for the way online stores get paid
Every point below is something the product does today, on every account, at one flat rate.
Paid out on your schedule
Withdraw to your bank whenever you like or on an automatic schedule, instant where your account and bank are eligible.
Learn moreOne flat rate, nothing monthly
2.75% + 30¢ per card or wallet payment, no setup, monthly or PCI fees, and 2.5% + 30¢ for your first 90 days.
Learn moreOne-click checkout for returning buyers
A saved card and a 6-digit email code: repeat customers never type their card number twice.
Card testing stopped at the door
Velocity limits, disposable-email and location checks, and a review queue, all before the card is charged.
Learn moreBooks that close themselves
Every sale, fee, refund and payout posted to QuickBooks Online or Xero, once each, through a clearing account.
Learn moreYour brand on every checkout
Your logo and colour on checkout, invoices and receipts, on a subdomain you own, with Apple Pay and Google Pay set up.
Subscriptions with retention built in
Trials, discount codes that last, fair plan changes, usage billing and a self-serve billing page.
Learn moreSuppliers paid in 71+ countries
Pay manufacturers and 3PLs on their local rails, from the same balance your sales land in.
Learn more
One-click checkout
Returning buyers pay without typing a card number
When a customer ticks “Save my card for faster checkout”, their next order on any of your links, invoices or store checkouts is a 6-digit code from their inbox and a tap. It's on by default and costs nothing extra.
- Saved only with consentCards are kept only when the customer ticks the box, and only ever shown to the same email at the same business.
- A code, then their cardsWe email a 6-digit code first; brand, last four and expiry appear only after it's entered.
- Trusted for 30 daysCustomers can trust their device for 30 days and skip the code next time.
- Customers stay in controlThey remove cards, sign out devices or turn it off from your billing page; you can switch it off in Settings → Risk.
Juniper & Oak
$86.00
Paid here before?
Use a card you saved with Juniper & Oak.
Pay faster with a saved cardSaved cards are shown only to the same email, at the same business
Payouts
Today's sales, out to your bank
Withdraw store sales to your bank account from Payouts whenever you like, or let automatic payouts run on your schedule. Instant delivery is offered when your account and bank are eligible, and every payout shows the sales behind it.
- Standard or instantTo your own bank account, instant where eligible, with the expected arrival shown before you confirm.
- On demand or automaticWithdraw any time, or let your payout schedule do it for you.
- Every payout explainedOpen a payout to see the sales, refunds and fees that built it, and its bank trace number.
- 71+ countriesLocal rails abroad, SWIFT everywhere else, from the same balance.
Available to pay out
$248,310.42
+$31,904.18 today · 412 payments
Payouts
Fraud prevention
Card testing declined before any card is charged
Checkout rules count attempts per card, email and connection, and spot throwaway inboxes and mismatched locations. A match declines the payment or holds the order for a person to decide.
- Velocity limitsPer card, per email and per connection, by the hour and the day.
- Review queueHeld orders are authorized, not taken, until you approve.
- 3D Secure on big ordersAbove an amount you set, usually shifting fraud liability to the issuer.
- Pre-dispute refundsSmall payments refunded automatically before a dispute opens.
48 attempts declined in the last hour · Too many attempts with one card
No card chargedHeld for review
Authorized, not takenQuickBooks Online & Xero
Every order in your books, without a CSV
Connect your books once. Payments, card processing, refunds and payouts post on their own every 30 minutes, and the clearing account's balance always matches your Anytime Capital balance.
- Once each, never twiceIdempotent posting: an interrupted sync never doubles a record.
- Payouts you can matchEach payout is a transfer to your bank, ready for the bank feed.
- Sales tax your wayInside the income line or on its own line to Sales Tax Payable.
- Customers namedTurn on Sync customers and each sale names its customer.
Clearing account
$3,412.60
Anytime Capital balance
$2,302.80
Payment methods
Every way your customers want to pay
Every card network, Apple Pay and Google Pay on every checkout, bank (ACH) on links and invoices, and USDC or USDT on links and invoices — with pay later on the way.
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
One rate for your store, nothing monthly
The same flat rate on every card and wallet payment, the launch offer for your first 90 days, and a quoted rate when your volume passes $1M a year.
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
Launch offer
2.5% + 30¢ for your first 90 days
Open an Anytime Capital business account with the offer attached and your first 90 days of card payments run at 2.5% + 30¢, then 2.75% + 30¢. No monthly, setup or PCI fees, and every feature on every account.
Prefer to start at the standard rate? Open a business account
- Awaiting approval
Shopify
Sign in and join the waitlist on the Shopify card in Integrations; we'll tell you the day it's approved.
- Live
WooCommerce
The free plugin for WordPress stores: upload, paste an API key and webhook secret, enable.
- Live sync
QuickBooks Online & Xero
Payments, fees, refunds and payouts posted to your books automatically, once each.
Switch from Stripe
Import customers, plans, codes, links and open invoices; move subscribers without double charges.
Processing $1M+ a year?
Processing $1M+ a year? Get volume or interchange-plus pricing, a shared Slack channel and a named account manager.
Refer a business
You both pay 2.5% + 30¢: the business you refer for its first 90 days, you for 30 more days per business, up to 12.
Payments for online stores
Everything else your store needs
Each guide covers one part of running a store's payments on Anytime Capital, with what works today and how to set it up.
- Shopify storesThe app's status, Shopify's own fee, and what Shopify sellers use today.
- WooCommerce pluginDownload the plugin, connect a key and a signed webhook, take payments.
- Switch from StripeImport customers, catalog, codes and invoices; move subscribers once.
- QuickBooks & Xero syncEvery sale, fee, refund and payout posted to your books, once each.
- SubscriptionsBoxes, memberships and replenishment: trials, codes, plan changes, usage.
- Fraud preventionStop card testing and risky orders before the card is charged.
- Wholesale & B2BInvoices with deposits, bank transfer, ACH and USDC for trade buyers.
Frequently Asked Questions
What does Anytime Capital charge an online store?
2.75% + 30¢ per successful card or wallet payment, with no setup, monthly or PCI fees. New accounts pay 2.5% + 30¢ for their first 90 days of card payments, and stores processing $1M+ a year get a rate quoted on their volume. Cards issued outside the US, currency conversion and disputes can carry additional fees, shown in your dashboard before you take a payment.
Does Anytime Capital work with Shopify?
Our payments app for Shopify checkout is built and waiting for Shopify's approval, so it isn't offered yet; you can join its waitlist from Integrations in your dashboard. Once it's live, Shopify charges its third-party transaction fee (2% on Basic, 1% on Grow and 0.6% on Advanced) on orders paid through any provider other than Shopify Payments. Shopify sellers use Anytime Capital today for wholesale invoices, custom-order payment links, subscriptions and payouts to their bank.
Does Anytime Capital work with WooCommerce?
Yes. The Anytime Capital Payments plugin adds cards, Apple Pay and Google Pay to WooCommerce 8.0 or later on WordPress 6.2 or later, with the classic checkout, the Checkout blocks and HPOS. Orders from $1.00 to $10,000.00 in US dollars are marked paid by a signed webhook, and you refund from the order screen.
Can I take payments without a store platform?
Yes. Payment links, a copy-paste Pay button, an embedded checkout, invoices and in-person QR payments all work on their own, from the same account, with no plugin or code required for the links and invoices.
How fast are payouts?
Store 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.
Does it sync with QuickBooks or Xero?
Yes. Connect QuickBooks Online or Xero in Settings → Accounting and every payment, card processing charge, refund and payout posts automatically through a clearing account, once each.
What do my customers see at checkout?
Your logo and colour on Anytime Capital's secure checkout, on your own subdomain (such as pay.yourstore.com) if you connect one, with Apple Pay and Google Pay set up for you. Returning buyers can pay with a saved card after a 6-digit email code, and trust their device for 30 days.
Is Anytime Capital a bank?
No. Anytime Capital is a fintech company, not a bank. Payment processing, banking and payout services are provided by Anytime Capital's licensed partners.
How we compare
Take your store's next payment on Anytime Capital
Open a business account in a few minutes, claim 2.5% + 30¢ for your first 90 days, and take your first payment as soon as you're verified.
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.
Shopify, WooCommerce, WordPress, QuickBooks, Intuit, Xero, Zapier, Stripe, Visa, Mastercard, American Express, Discover, Apple Pay, Google Pay, USDC and USDT are trademarks of their respective owners, used here only to identify the platforms and payment methods Anytime Capital works with. Anytime Capital is not affiliated with or endorsed by them. Stores, products and figures shown in product images are illustrative.