Payments for childcare & daycare
Payment processing for daycares and childcare centers
Bill tuition weekly or monthly on invoices families pay by bank account or card, or put families on a tuition plan that charges their card automatically. Reminders chase late tuition, and every family sees their invoices on their own billing page. Anytime Capital Payments has no monthly or setup fee, and payments sweep into your business account the minute they clear.
- Tuition invoices that issue themselves
- Weekly or monthly autopay by card
- A billing page for every family
Then 2.75% + 30¢ per card or wallet payment. No monthly, setup or PCI fees. Updated October 2026.
Quick answer
How should a daycare collect tuition?
Two ways work well, and many centers offer both. A recurring invoice for each family issues itself weekly or monthly with every child's tuition on it, and families pay by bank account (ACH) or card, with reminders before, on and after the due date. Or a tuition plan charges the family's card automatically every week or month. Card fees on tuition are large at any processor: $1,450 by card is $40.18 at 2.75% + 30¢ and $42.35 at Stripe's online rate, which is why many centers steer tuition to bank payments. Our ACH rate is on the pricing page.
How it plays out
One daycare, one payment, start to finish
Every step below is something Anytime Capital Payments does today: the link or invoice, the reminder, the payment and the payout, on one account.
- November invoice issued on scheduleOct 20
- Reminder sent before the due dateOct 29
- Paid by bank account from the family billing pageOct 30
- Bank payment clearedNov 4
- Swept into your business account instantlyNov 4
How it works
How a daycare gets paid with Anytime Capital
- 01
One recurring tuition invoice per family
Put each child's tuition on the family's invoice, with a discount for siblings, set the due date and how often it repeats (weekly, monthly, quarterly or yearly), and a fresh copy issues itself on schedule. Reminders go out before, on and after the due date, at most one a day, and stop once it is paid.
A family's monthly tuition invoice, with a sibling discount. Anytime Capital product view, demo data. - 02
Or autopay by card, every week or month
Families who would rather not think about it sign up to a tuition plan from its checkout link, and their card is charged every week or month on its own. If a payment doesn't go through, the card is tried again automatically and the family can update it from their billing page.
A weekly tuition plan, charged to the family's card. Anytime Capital product view, demo data. - 03
A billing page for every family
Families sign in with an emailed link to see their tuition plan and every invoice, download PDFs, pay what is open and change the card their tuition renews on. Registration, supply and field-trip fees go on their own invoices and show up in the same place.
The family billing page: tuition plan, card and invoices. Anytime Capital product view, demo data. - 04
Tuition in your account the minute it clears
Tuition payments sweep into your Anytime Capital business account instantly once they clear, ready to pay staff, rent and suppliers by RTP, FedNow, ACH or wire from the same balance.
Balance · Anytime Capital PaymentsInstant where eligibleAvailable to pay out
$248,310.42
+$31,904.18 today · 412 payments
Your bankBusiness accountRTP & FedNowWireACH to vendors71+ countriesUSDC & USDTCryptoEmployee cardsPayouts
Payouts leaving an Anytime Capital Payments balance. Illustrative product view.
What it costs
Card fees on a daycare's typical sales
| Sale | Anytime Capital (2.75% + 30¢) | Stripe (2.9% + 30¢) | Square online, Free plan (3.3% + 30¢) | PayPal Checkout (3.49% + 49¢) |
|---|---|---|---|---|
| Registration fee $150 | $4.43 | $4.65 | $5.25 | $5.73 |
| Weekly tuition $385 | $10.89 | $11.47 | $13.01 | $13.93 |
| Monthly tuition, part time $1,050 | $29.18 | $30.75 | $34.95 | $37.14 |
| Monthly tuition, full time $1,450 | $40.18 | $42.35 | $48.15 | $51.10 |
Published US rates as of October 2026, before monthly plans, international cards, currency conversion, disputes and payout fees. New Anytime Capital businesses pay 2.5% + 30¢ for their first 90 days.
Card fees on tuition add up at any processor: if all 60 families paying an average of $1,200 a month used a card, a month would cost $1,998.00 at 2.75% + 30¢ and $2,106.00 at Stripe's online card rate. Bank payments are usually priced far lower; Stripe's published ACH rate, for comparison, is 0.8% capped at $5, or $5.00 on $1,200. Anytime Capital takes ACH on every invoice, and its current ACH rate is on the pricing page.
Subscription renewals are always billed at the standard 2.75% + 30¢; the launch offer's 2.5% + 30¢ applies to your other card payments in their first 90 days.
Built in
What a daycare gets on day one
- Recurring tuition invoicesWeekly, monthly, quarterly or yearly, until the end date you set.
- Tuition autopay by cardPlans that charge a family's card every week or month, tried again if a payment fails.
- Sibling discountsA discount on the family's invoice, shown as its own line before the total.
- Reminders that chase for youBefore, on and after the due date, at most one a day, stopping once it's paid.
- Family billing pageTuition plans, invoices, PDFs and Pay buttons in one place, signed in with an emailed link.
- Bank account or cardACH bank debit and every major card, Apple Pay and Google Pay on every invoice.
Straight talk
Keep your childcare management software
Anytime Capital collects tuition and pays out money; it doesn't sign children in and out, track attendance or ratios, or message parents about their child's day. Keep your childcare management software for that, and use Anytime Capital where the money moves.
Subsidy and state program payments follow their own rules, and so do the year-end statements families use for dependent-care tax credits or FSAs. Keep handling those the way your program and your accountant require. This is general information, not tax advice.
Keep using another tool for
- Check-in, attendance and ratios
- Parent messaging and daily reports
- Subsidy billing and year-end tuition statements
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.
- 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
Payouts
Where the money goes next
- Payouts to your bank accountWithdraw 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.Standard, or instant where eligible
- Your Anytime Capital business accountSweep settled sales into Anytime Capital business checking in seconds, nights and weekends included, and spend it the same minute.Instant, 24/7
- RTP and FedNow instant transfersPush money to any US bank account that receives instant payments, around the clock, with confirmation the moment it lands.Seconds, any day
- Domestic wireFedwire for large or time-critical payments: closings, inventory, payroll top-ups and anything a counterparty wants by wire.Same day
- ACH and same-day ACHLow-touch transfers to any US bank account for vendors, contractors and your own accounts elsewhere, scheduled or on demand.Same day or next day
- Local rails in 71+ countriesPay 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 to same day
Questions
Payment processing for daycares and childcare centers: FAQ
Tools, comparisons and guides
Payments for other businesses
Important Disclosures
- Rates for Stripe, Square and PayPal are their published US pricing as of October 2026, from the pages named on each company's comparison page. Prices change and negotiated pricing differs; check current pricing before you decide.
- Product views on this page are renders of the Anytime Capital Payments interface with demo data. The businesses, people, addresses and amounts shown are fictional.
- Anytime Capital is independent of the companies named on this page and is not endorsed by, affiliated with or sponsored by them. Third-party names and trademarks belong to their owners.
- This page is for information only and is not financial, tax or legal advice.
- 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.