Wholesale & B2B
Wholesale and B2B payments next to your store.
Send trade buyers a branded invoice with a deposit, a due date and every way they pay — card, Apple Pay, ACH bank debit, your bank transfer details or USDC — synced to QuickBooks or Xero and paid out to your bank. Paying your own suppliers in 71+ countries from the same balance.
- Deposits and partial payments
- ACH, bank transfer details and cards
- USDC and USDT for international buyers
- Supplier payouts in 71+ countries
Juniper & Oak Wholesale
Invoice WS-2031 · Fernwood General Store · Net 30
| Linen throw — Sage · 48 × $64.00 | $3,072.00 |
|---|---|
| Stoneware mug set · 72 × $22.00 | $1,584.00 |
| Freight, palletized | $180.00 |
| Total | $4,836.00 |
| Deposit due now (50%) | $2,418.00 |
| Balance due Oct 31 | $2,418.00 |
Card
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USDCOr send a wire or ACH to account ••6620 · reference WS-2031
- Sent to buying@fernwoodgeneral.exampleOct 1 · 10:12 AM
- Deposit $2,418.00 paid by AmexOct 1 · 2:40 PM
- Balance reminder sent automaticallyOct 28 · 9:00 AM
- Balance $2,418.00 paid by ACHOct 30 · 11:05 AM
- 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
Trade terms
Every way a retailer wants to pay you
One invoice carries the deposit, the due date and every payment option your buyer's accounts team asks for.
Deposits and partial payments
Take 50% on order and the balance on delivery or net terms, on one invoice.
Due dates and reminders
Automatic reminders before, on and after the due date, so you never chase a retailer by hand.
ACH bank debit
Trade buyers pay by bank on the invoice, once bank payments are on for your account.
Your bank details on the invoice
For buyers who send a wire or ACH themselves, with the invoice number as the reference.
Cards and wallets
Buyers who'd rather earn points pay by card, Apple Pay or Google Pay at 2.75% + 30¢.
Recurring and repeat orders
Recurring invoices for standing orders, and payment links for reorders.
USDC and USDT
International buyers pay in dollars, in minutes
Buyers abroad can pay invoices and payment links in USDC or USDT, sent from their wallet straight to your own business wallet, weekends included. Prices stay in US dollars at 1 token = $1.
- Ethereum, Solana and TronUSDC and USDT on Ethereum and Solana, USDT on Tron.
- Matched to the invoiceWe watch the chain and record the payment once the transfer is final.
- Straight to your walletWe never hold the funds; refunds are sent back from your wallet.
- Receipt in your brandingAnd the same payment.succeeded webhook as a card payment.
Pay with USDC
- Send exactly
- 2,418.000000 USDC
- To your wallet on Ethereum
- 0x7a3F…c91E
- Paid once final
- 12 confirmations
- Waiting for the transfer
- Seen on chain · exact amount
- Final · matched to WS-2031
- Paid · receipt sent
Example only. Checkout shows the real code for each payment.
QuickBooks 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
Payouts
From trade receipts to supplier payouts, one balance
Trade payments settle into your Anytime Capital balance. From Payouts in the dashboard: payouts to your own bank account, standard or instant where eligible, instant sweeps into an Anytime Capital business account, RTP or FedNow transfers to any US bank, same-day domestic wires, vendor payments by ACH, local rails in 71+ countries, stablecoin payouts from your balance, crypto conversion of your balance and employee cards funded from your balance, whenever you like or on your automatic schedule, with each payout's expected arrival shown before you confirm.
- Live · Standard, or instant where eligible
Payouts to your bank account
Withdraw your balance to your business bank account from Payouts whenever you like, or let automatic payouts follow your schedule. Instant delivery is offered when your account and bank are eligible, and each payout shows its expected arrival before you confirm.
- Live · Instant, 24/7
Your Anytime Capital business account
Sweep settled sales into Anytime Capital business checking in seconds, nights and weekends included, and spend it the same minute.
- Live · Seconds, any day
RTP and FedNow instant transfers
Push money to any US bank account that receives instant payments, around the clock, with confirmation the moment it lands.
- Live · Same day
Domestic wire
Fedwire for large or time-critical payments: closings, inventory, payroll top-ups and anything a counterparty wants by wire.
- Live · Same day or next day
ACH and same-day ACH
Low-touch transfers to any US bank account for vendors, contractors and your own accounts elsewhere, scheduled or on demand.
- Live · Minutes to same day
Local rails in 71+ countries
Pay suppliers in their own currency over the rail they already use (SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money), with SWIFT for everywhere else.
- Live · Minutes, including weekends
Stablecoins: USDC and USDT
Same-day on-chain transfers from your balance to a supplier, contractor or your own wallet, with no correspondent bank in the way.
- Live · Same day
Crypto liquidity
Convert balance to bitcoin, ether, solana and other assets, or crypto back to dollars, at desk-quoted rates and send it out the same day.
- Live · Instant
Employee and vendor cards
Fund physical and virtual business cards straight from your payments balance, with limits per person, team or merchant.
Available to pay out
$248,310.42
+$31,904.18 today · 412 payments
Payouts
One hub instead of five logins
When payments, banking and payouts share one balance, nothing waits on a transfer between providers. Sales are spendable the minute they settle, and reconciliation is one ledger.
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 approvalShopify
Sign in and join the waitlist on the Shopify card in Integrations; we'll tell you the day it's approved.
LiveWooCommerce
The free plugin for WordPress stores: upload, paste an API key and webhook secret, enable.
Live syncQuickBooks 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.
- Payments for online storesEverything an online store needs from its payments, in one place.
- 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.
Frequently Asked Questions
Can wholesale buyers pay by bank transfer?
Yes, two ways. Invoices can offer ACH bank debit at checkout, and you can add your business's own bank details to invoices, with the invoice number as the reference, for buyers who send a wire or ACH themselves. Record the transfer on the invoice when it arrives and it's marked paid or partly paid.
Can I take a deposit on a wholesale order?
Yes. Invoices support deposits and partial payments, with automatic reminders before, on and after the due date, so a 50% deposit now and the balance on net 30 is one invoice, not two.
Can international buyers pay in USDC or USDT?
Yes. Invoices and payment links can take USDC and USDT on Ethereum and Solana, and USDT on Tron, sent straight to your own business wallet at 1 token = $1. We match the transfer to the invoice and send a receipt once it's final. Stablecoin refunds are sent back from your wallet.
Can I pay my own suppliers abroad?
Today, in stablecoins: send USDC or USDT from your business wallet to a supplier's wallet the same day, weekends included. Paying suppliers in 71+ countries in their own currency over local rails such as SEPA Instant, Faster Payments, PIX, SPEI and UPI, with SWIFT for everywhere else, from the balance your sales land in.
Do wholesale payments sync to QuickBooks or Xero?
Payments taken through Anytime Capital post to QuickBooks Online or Xero automatically with their card processing, refunds and payouts. Transfers buyers send to your own bank account arrive there directly, so you record those on the invoice.
Do I need a separate account for wholesale?
No. Store payments, wholesale invoices, payment links and payouts all run through one Anytime Capital business, with one balance and one set of reports.
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.
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.