Payments for salons & spas
Payment processing for salons and spas
Take booking deposits by text, let clients add a tip at checkout, take payment at the chair on your own phone, and see the day's takings in your business account the minute they settle. Anytime Capital Payments is 2.75% + 30¢ per card or wallet payment with no monthly fee, no card reader to buy, and your salon's name on every receipt.
- Deposits by text that hold the appointment
- Tips at checkout, shown on your receipt
- No terminal: clients scan and pay on their phone
Then 2.75% + 30¢ per card or wallet payment. No monthly, setup or PCI fees. Updated October 2026.
Quick answer
How should a salon take card payments?
Most salons need three things: a deposit that holds the booking, a quick way to take payment at the end of the appointment, and tips. With Anytime Capital Payments, a single-use payment link takes the deposit by text; at the end of the visit you key in the amount on a phone or tablet and the client scans and pays with Apple Pay, Google Pay or a card; and a checkout link with tips switched on lets clients add 10%, 15%, 20% or their own amount. It is 2.75% + 30¢ per payment, $2.64 on an $85 color, with no monthly fee. Square's in-person rate of 2.6% + 15¢ on its Free plan is lower, $2.36 on the same $85, if you want a countertop register.
How it plays out
One salon, 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.
- Deposit link texted to AnaTue · 4:12 PM
- $50 deposit paid with Apple PayTue · 4:15 PM
- Appointment kept · 10:30 AMSat · 10:30 AM
- Balance and a 20% tip paid from the front-desk QR codeSat · 1:05 PM
- Paid out instantly to your business accountSat · 1:05 PM
How it works
How a salon gets paid with Anytime Capital
- 01
Take a deposit when they book
Text, email or DM a single-use payment link for the deposit, and it closes after the client pays. Ask up to three questions at checkout, such as the stylist or the service, and require clients to agree to your cancellation policy before they can pay.
A single-use deposit link, as the client sees it. Anytime Capital product view, demo data. - 02
Check out at the chair, without a terminal
Open In person on any phone, tablet or laptop, key in the amount and a note, and turn the screen around. The client scans the code and pays with Apple Pay, Google Pay or a card on their own phone, and your screen turns to Paid.
In person: key in the amount, then the client scans and pays on their phone. Anytime Capital product view, demo data. - 03
Tips, and a receipt with your name on it
Switch tips on for a checkout link and keep its QR code at the front desk: clients add 10%, 15%, 20% or their own amount. Every receipt carries your logo, your contact details and a thank-you message you write, with a link to rebook if you like. (The In person keypad charges exactly what you key in, so use the tip-enabled link when you want the client to choose a tip.)
The receipt, with the tip and the salon's own thank-you message. Anytime Capital product view, demo data. - 04
The day's takings, in your account the same minute
Settled payments sweep into your Anytime Capital business account instantly, nights and weekends included. From there, pay suppliers and staff by RTP, FedNow, ACH or wire, or fund business cards, from the same balance.
Balance · Anytime Capital PaymentsInstant payouts onAvailable to pay out
$248,310.42
+$31,904.18 today · 412 payments
Business accountRTPWireACH71+ countriesUSDCPayouts
Payouts leaving an Anytime Capital Payments balance. Illustrative product view.
What it costs
Card fees on a salon'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¢) | Square in person, Free plan (2.6% + 15¢) |
|---|---|---|---|---|---|
| Haircut $45 | $1.54 | $1.61 | $1.79 | $2.06 | $1.32 |
| Color $85 | $2.64 | $2.77 | $3.11 | $3.46 | $2.36 |
| Balayage + cut $180 | $5.25 | $5.52 | $6.24 | $6.77 | $4.83 |
| Spa package $250 | $7.18 | $7.55 | $8.55 | $9.22 | $6.65 |
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.
A salon taking $30,000 a month in $95 visits pays $919.74 at 2.75% + 30¢, $964.74 at Stripe's published online rate and $1,084.74 at Square's Free-plan online rate. If every visit went through a Square reader at the counter, Square's in-person rate would come to $827.37, less than ours.
Renting chairs or booths? Send each renter a recurring weekly or monthly invoice they pay by bank account or card, with reminders before, on and after the due date.
Built in
What a salon gets on day one
- Deposits that hold the chairSingle-use deposit links by text or email, closed the moment they are paid.
- Your cancellation policy at checkoutRequire clients to agree to your terms before they can pay, with a link to the policy itself.
- Tips at checkout10%, 15%, 20% or a custom amount on any link, shown as its own line on the receipt.
- Saved cards, with permissionClients can save a card at checkout; charge it later from their customer record for an add-on or a balance.
- Booth rent on autopilotRecurring invoices for chair and booth renters, paid by bank account or card, with reminders.
- Receipts in your brandYour logo, colour and thank-you message on every receipt and checkout, on a domain you own if you want one.
Straight talk
Keep your booking software
Anytime Capital does payments, not appointments. If you book through a salon booking system, keep it for the calendar, online booking and reminders, and use Anytime Capital for deposits, checkout links, invoices and payouts. Where a booking system only takes payments through its own processor, the deposit link and the In person keypad run alongside it.
If you want a countertop register with a cash drawer and a receipt printer, Square or Clover hardware is the better fit for the front desk, and their in-person rates are lower than our 2.75% + 30¢.
Keep using another tool for
- Calendar, online booking and SMS reminders
- Retail inventory at the product shelf
- A countertop register with a cash drawer
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, instant payouts to your Anytime Capital business account, and payouts on local rails in 71+ countries.
- 2.75% + 30¢ online, 2.5% + 30¢ for 90 days
- No monthly, setup or PCI fees
- Instant payouts to your business account, 24/7
- Live US business team
Payouts
Where the money goes next
- Your Anytime Capital business accountSweep settled sales into your 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
- Stablecoins: USDC and USDTSame-day on-chain transfers to a supplier, contractor or your own wallet, with no correspondent bank in the way.Minutes, including weekends
Questions
Payment processing for salons and spas: 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.