QuickBooks Online & Xero
Your store's payments in QuickBooks and Xero, without the CSV.
Connect QuickBooks Online or Xero once and every payment, its card processing, every refund and every payout posts to your books on its own, through a clearing account whose balance matches your Anytime Capital balance. Payouts land as transfers you can match to the bank feed.
- Syncs every 30 minutes, or on demand
- Each record posts once, never twice
- Clearing account matches your balance
- Sales tax on its own line if you want it
Clearing account
$3,412.60
Anytime Capital balance
$2,302.80
- 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
How it posts
Four records, posted the way your accountant would
Payments are cash sales because they were paid at checkout: there is nothing receivable to open and close. Each record carries its payment or payout id as its reference.
| Record | QuickBooks Online | Xero |
|---|---|---|
| Payment | Sales receipt, deposited to the clearing account | Receive Money into the clearing account |
| Card processing | Expense paid from the clearing account | Spend Money from the clearing account |
| Refund | Refund receipt paid from the clearing account | Spend Money from the clearing account |
| Payout | Transfer from the clearing account to your bank account | Bank transfer from the clearing account to your bank account |
Connect
Connected in four choices
Owners and admins connect in Settings → Accounting. One set of books at a time; disconnecting leaves everything already posted in place.
- 1
Pick a start date
In Settings → Accounting, choose the first day to bring in, then Connect.
- 2
Approve access
Sign in to QuickBooks Online or Xero and approve Anytime Capital.
- 3
Map the accounts
Clearing (or Create one for me), sales income, card processing, refunds and payouts.
- 4
Choose tax and customers
Sales tax inside income or on its own line; sync customers by name, or not.
When it syncs
On a schedule, and honest about anything that didn't post
The sync runs in the background and tells you, by email and in the app, when something needs a person.
Every 30 minutes, or now
Oldest first, on a schedule, and whenever an owner or admin presses Sync now.
Fees post when final
Card processing posts as soon as its amount is known, or three days after the payment.
Refusals explained
A record your books refuse is shown with the reason and retried up to 5 times; Retry any time after fixing it.
Alerts when it matters
Owners and admins hear by email and in the app when records keep failing or the connection needs renewing.
Already importing CSVs?
Choose a start date after the last file you imported from Reports, so nothing is booked twice.
Disputes included
A dispute posts when it takes money, with its fee; a win puts the money back. Payouts still match the bank feed.
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
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.
- 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 syncs to QuickBooks Online or Xero?
Every payment (a sales receipt in QuickBooks, Receive Money in Xero), its card processing (an expense, or Spend Money), every refund and every payout to your bank (a transfer from the clearing account). Each record carries its payment or payout id as its reference.
Why does it use a clearing account?
Your payments balance is money waiting to be paid out, so it lives in a bank-type clearing account in your books. Every record moves money in or out of it, its balance matches your Anytime Capital balance, and each payout lands in your real bank account as a transfer you can match to the bank feed.
How often does it sync?
Every 30 minutes, oldest first, and whenever you press Sync now. Card processing posts once its amount is final: as soon as it's known, or three days after the payment.
Can anything post twice?
No. Each record posts once: a retried request carries the same idempotency key, so a sync interrupted halfway never doubles anything, and reconnecting the same company picks up where it left off. A record your books refuse is retried automatically up to 5 times and shown with the reason.
Are disputes synced?
Not yet. Reports → Accounting exports in your dashboard include disputes, so you can book them from the CSV.
Who can connect the books?
Owners and admins connect, choose the start date and account mapping, and see anything that didn't sync. One set of books at a time; disconnecting stops syncing and leaves everything already posted in place.
Does it connect to my other apps?
The live sync covers QuickBooks Online and Xero. A Zapier app for sending payments, invoices and customers to other tools is coming soon, and the API and signed webhooks are available today.
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.