What are 2Checkout's fees?

2Sell is 3.5% + 35¢ per successful sale and 2Subscribe 4.5% + 45¢; 2Monetize, which adds merchant-of-record tax handling, is priced by quote. International payments on 2Sell and 2Subscribe add a 2% cross-border fee. There is no setup or monthly fee.

Is 2Checkout the same as Verifone?

2Checkout is part of Verifone, which acquired it in 2020, and still trades under the 2Checkout name for its online checkout and merchant-of-record products.

Is 2Checkout a merchant of record?

On its 2Monetize plan, yes: 2Checkout calculates, collects and remits VAT, GST and sales tax as the seller. 2Sell and 2Subscribe are priced as checkout and subscription plans without that tax service.

How often does 2Checkout pay out?

Weekly by default on 2Sell and 2Subscribe, and monthly on 2Monetize, once the balance passes $50 ($100 on 2Monetize). A reserve, where held, is released after 90 days. Anytime Capital pays out to your bank whenever you like or on a schedule, with instant payouts where your account and bank are eligible.

Is 2Checkout cheaper than Paddle?

2Sell's 3.5% + 35¢ is lower than Paddle's 5% + 50¢, but it does not include merchant-of-record tax handling; 2Checkout's like-for-like plan, 2Monetize, is priced by quote.

What is the best 2Checkout alternative?

If you need a merchant of record, Paddle publishes an all-in rate. If you do not, Anytime Capital Payments: 2.75% + 30¢ for one-off and subscription payments alike, payouts to your bank on demand, and your brand on checkout.

Is Anytime Capital a merchant of record?

No. Your business is the seller. Sales tax can be added at checkout from the buyer's address, but registering, filing and remitting stay with you.

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.

Payment processor comparison

2Checkoutvs

2Checkout vs Anytime Capital

2Checkout, part of Verifone, sells global checkout to software companies in three tiers: 2Sell at 3.5% + 35¢, 2Subscribe at 4.5% + 45¢, and 2Monetize, where it becomes your merchant of record, by quote. International payments add 2% on the first two. Anytime Capital Payments charges 2.75% + 30¢, with subscriptions included and payouts to your bank on demand.

2.75% + 30¢ against 3.5% + 35¢
Subscriptions at the same rate
Payouts on demand, not weekly

Claim 2.5% + 30¢ for 90 days See pricing

Updated October 2026. 2Checkout figures from its published US pricing; where a figure is not published, we say so.

Wholesale roaster · pay.harborandpine.com

pay.harborandpine.com

Harbor & PineInvoice

Wholesale order #1182

12 × 5 lb Ethiopia Guji · net 15

$384.00

Pay

or pay with card

1234 1234 1234 1234

AMEX

MM / YY

CVC

Pay $384.00

Secure checkout by Anytime Capital

Quick answer

Is 2Checkout cheaper than Anytime Capital?

No, on its published plans. 2Sell charges 3.5% + 35¢ and 2Subscribe 4.5% + 45¢, plus 2% on international payments, against Anytime Capital Payments at 2.75% + 30¢ for one-off and subscription payments alike: on a $100 sale, $3.85 or $4.95 against $3.05. 2Checkout's 2Monetize plan, priced by quote, adds what we do not offer: 2Checkout as merchant of record, calculating, collecting and remitting VAT, GST and sales tax worldwide.

Published fees

2Checkout vs Anytime Capital fees, line by line

Fee	2Checkout	Anytime Capital
Online card rate	3.5% + 35¢ on 2Sell; 4.5% + 45¢ on 2Subscribe; 2Monetize by quote	2.75% + 30¢ (2.5% + 30¢ for your first 90 days with the launch offer)
In person	None on 2Checkout's plans	Customers scan and tap to pay on their own phone; no terminal to buy or rent
ACH bank payments	Not published	ACH bank debit on payment links and invoices; current rate on the pricing page
International cards	+2% cross-border fee on 2Sell and 2Subscribe	May carry an extra fee, shown in your dashboard before you accept the payment
Currency conversion	Not published	May carry an extra fee, shown in your dashboard before you accept the payment
Instant payout	None; weekly payouts by default	Instant, 24/7, to your Anytime Capital business account
Disputes	Not published	Shown in your dashboard; pre-dispute alerts can refund small payments automatically
Monthly fee	$0; no setup fee	$0: no monthly, setup or PCI fees

US pricing as of October 2026. “Not published” and “quote-only” mean no official figure was found, not that the fee is zero.

What a $100 online card sale costs

Percentage plus fixed fee, as a share of a $100 sale, at each published US rate

Anytime Capital
2Checkout

2Checkout: published US online rates as of October 2026. Anytime Capital: 2.75% + 30¢, or 2.5% + 30¢ for the first 90 days with the launch offer. Excludes international, currency-conversion, dispute and payout fees, and any monthly plan.

What one online card sale costs at each published rate
Sale	2Checkout 2Subscribe	2Checkout 2Sell	Anytime Capital	Launch offer, first 90 days
$10	$0.90	$0.70	$0.58	$0.55
$100	$4.95	$3.85	$3.05	$2.80
$1,000	$45.45	$35.35	$27.80	$25.30

Credit where due

What 2Checkout is genuinely good for

Software companies selling worldwide that want 2Checkout, on its 2Monetize plan, to be the merchant of record and handle VAT, GST and sales tax.
Businesses that need many local payment methods and currencies through one checkout.
Subscription businesses that want renewals and recurring billing tools from the same vendor as checkout.

Three plans, and only one is a merchant of record

2Sell is global checkout at 3.5% + 35¢ per successful sale. 2Subscribe adds subscription billing at 4.5% + 45¢. 2Monetize, at tailored pricing, makes 2Checkout the merchant of record, so it calculates, collects and remits VAT, GST and sales tax around the world; choosing tax handling on a 2Sell account moves it to 2Monetize.

Selling software, downloads or online courses to consumers in many countries can mean registering for VAT, GST or sales tax in each one, then collecting, filing and remitting it. A merchant of record takes all of that on, which is why it charges more per sale than a processor. If most of your customers are US businesses, or you sell in a handful of states, the tax work is smaller and you may not need one.

Your balance

$412,880.00

USD · Anytime Capital

0 of 6 paid today

Lukas WeberWeber Feinmechanik · Stuttgart€8,420.00SEPA InstantSending
Oliver BennettBennett Print Co. · Manchester£5,150.00Faster PaymentsSending
Valeria OrtizTextiles Ortiz · GuadalajaraMX$184,300SPEISending
Camila RochaRocha Café Exportação · São PauloR$46,900PIXSending
Arjun MehtaMehta Spice Traders · Kochi₹695,000UPISending
Wanjiru KamauKamau Fresh Produce · NairobiKSh 1,120,000Mobile moneySending

Supplier payouts on local rails in 71+ countries, from one balance. Illustrative product view.

What subscriptions cost on each

Recurring billing is a pricing tier at 2Checkout and a feature at Anytime Capital. On $20,000 a month in $50 subscriptions, 2Subscribe's fees are $1,080.00 before any cross-border fee; Anytime Capital Payments charges $670.00. If half those customers are abroad, 2Checkout's 2% cross-border fee adds $200.

Anytime Capital Payments includes subscription plans with free trials, discount codes, plan changes with proration, pause and resume, usage-based meters and a customer billing portal, at the same 2.75% + 30¢ as a one-off sale.

Weekly payouts and a reserve, or on demand

2Checkout pays 2Sell and 2Subscribe accounts weekly by default and 2Monetize accounts monthly, once the balance passes $50 ($100 on 2Monetize). Where it holds a reserve against refunds and chargebacks, the reserve is released after 90 days.

On Anytime Capital Payments: 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 an automatic schedule. Businesses processing $1M+ a year can agree custom payout and reserve terms with a named account manager.

Local methods abroad, your brand at home

2Checkout's strength is reach: local payment methods and currencies in many countries through one checkout, which matters for a software company with buyers across Europe, Latin America and Asia.

Anytime Capital Payments takes cards, Apple Pay and Google Pay on every checkout, ACH on links and invoices, and USDC and USDT, under your own brand: your logo and colour on checkout, invoices, receipts and payment emails, served from a domain you own such as pay.yourbusiness.com.

Side by side

2Checkout vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 6 of 11.

Category	2Checkout	Our pick
One-off sale	3.5% + 35¢ on 2Sell	2.75% + 30¢; 2.5% + 30¢ for your first 90 days
Subscription payment	4.5% + 45¢ on 2Subscribe	2.75% + 30¢, the same as a one-off sale
International payments	+2% cross-border fee on 2Sell and 2Subscribe	May carry an extra fee, shown in your dashboard before you accept the payment
Global sales tax and VAT	On 2Monetize, by quote, as merchant of record	You stay the seller: sales tax can be added at checkout from the buyer's address, and you register, file and remit it yourself
Local payment methods	Many local methods and currencies through one checkout	Cards, Apple Pay and Google Pay on every checkout; ACH on links and invoices; USDC and USDT
Payout speed	Weekly (2Sell, 2Subscribe) or monthly (2Monetize); reserve released after 90 days	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
Monthly fee	$0	$0: no monthly, setup or PCI fees
Branding	Hosted 2Checkout checkout	Your logo and colour on checkout, invoices, receipts and payment emails, served from a domain you own such as pay.yourbusiness.com
Developers and AI agents	REST and SOAP APIs	A REST API described in OpenAPI 3.1, 25 signed webhook event types, restricted API keys, an MCP server so Claude and other AI agents can create links and invoices, and a Node SDK in preview
In person	None on 2Checkout's plans	Key in an amount on any phone, tablet or laptop; the customer scans the code and taps to pay on their own phone. No terminal hardware
Business account, cards and payouts on one balance	Payouts to your bank	Payments, an Anytime Capital business account, employee cards, global payouts in 71+ countries and crypto and stablecoin liquidity on one balance

One-off sale
2Checkout
3.5% + 35¢ on 2Sell
Anytime
2.75% + 30¢; 2.5% + 30¢ for your first 90 days
Subscription payment
2Checkout
4.5% + 45¢ on 2Subscribe
Anytime
2.75% + 30¢, the same as a one-off sale
International payments
2Checkout
+2% cross-border fee on 2Sell and 2Subscribe
Anytime
May carry an extra fee, shown in your dashboard before you accept the payment
Global sales tax and VAT
2Checkout
On 2Monetize, by quote, as merchant of record
Anytime
You stay the seller: sales tax can be added at checkout from the buyer's address, and you register, file and remit it yourself
Local payment methods
2Checkout
Many local methods and currencies through one checkout
Anytime
Cards, Apple Pay and Google Pay on every checkout; ACH on links and invoices; USDC and USDT
Payout speed
2Checkout
Weekly (2Sell, 2Subscribe) or monthly (2Monetize); reserve released after 90 days
Anytime
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
Monthly fee
2Checkout
$0
Anytime
$0: no monthly, setup or PCI fees
Branding
2Checkout
Hosted 2Checkout checkout
Anytime
Your logo and colour on checkout, invoices, receipts and payment emails, served from a domain you own such as pay.yourbusiness.com
Developers and AI agents
2Checkout
REST and SOAP APIs
Anytime
A REST API described in OpenAPI 3.1, 25 signed webhook event types, restricted API keys, an MCP server so Claude and other AI agents can create links and invoices, and a Node SDK in preview
In person
2Checkout
None on 2Checkout's plans
Anytime
Key in an amount on any phone, tablet or laptop; the customer scans the code and taps to pay on their own phone. No terminal hardware
Business account, cards and payouts on one balance
2Checkout
Payouts to your bank
Anytime
Payments, an Anytime Capital business account, employee cards, global payouts in 71+ countries and crypto and stablecoin liquidity on one balance

At a glance

2Checkout in six lines

Background: Part of Verifone since 2020; sells checkout, subscription billing and merchant-of-record services to software companies.
Payout speed: Weekly by default on 2Sell and 2Subscribe, monthly on 2Monetize; $50 minimum ($100 on 2Monetize); a reserve, where held, is released after 90 days
Payment methods: Cards and local payment methods in many countries and currencies, for software and digital goods
Fraud tools: Not published separately
Point of sale: None on 2Checkout's plans
Support: Not published with pricing

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.

Claim 2.5% + 30¢See pricing

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

Ways to start

Start with Anytime Capital Payments today

Launch offer
2.5% + 30¢ for your first 90 days of card payments, then 2.75% + 30¢.
Claim 2.5% for 90 days
Open an account
Sign up online; most reviews finish within one business day.
Sign up
Switch from Stripe
Import customers, plans, discount codes, payment links and open invoices with a read-only key.
See how switching works
Processing $1M+ a year?
Custom or interchange-plus pricing, a shared Slack channel and a named account manager.
Talk to sales

Payouts

Getting paid out

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.

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.
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.
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.
Same day
Domestic wire
Fedwire for large or time-critical payments: closings, inventory, payroll top-ups and anything a counterparty wants by wire.
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.
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.
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.
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.
Instant
Employee and vendor cards
Fund physical and virtual business cards straight from your payments balance, with limits per person, team or merchant.

For developers and AI agents

A REST API described in OpenAPI 3.1, 25 signed webhook events, restricted API keys, an MCP server for AI agents and a Node SDK in preview, with every docs page available as Markdown.

Read the API docs OpenAPI and the Node SDK Build with Claude and other AI tools

Payment processing

A complete payments stack, from your website to your bank account

Checkout, 3D Secure, risk rules and instant payouts in one product, at 2.75% + 30¢ per card or wallet payment, 2.5% + 30¢ for your first 90 days. No gateway to bolt on and no separate merchant account.

Your website
A Pay button, the checkout inline, or a hosted checkout on pay.yourbusiness.com.
Checkout
Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and ACH, in your logo and colour.
- AMEX
- ACH
3D Secure
Customers confirm larger payments with their bank, which usually moves fraud liability to the issuer.
Risk rules
Block card countries, cap amounts and decline high-risk scores before the card is charged.
Instant payout
Settled sales land in your Anytime Capital bank account, nights and weekends included.

Harbor & Pine · Wholesale order #1182$384.00 paid out to your bank account ••4821Processing

3D Secure and risk rules, in the dashboard

Payment rules in the Anytime Capital dashboard: block card countries, require 3D Secure on payments of $500 or more, and a maximum amount per payment

Add checkout to any website

<a href="https://anytime-capital.com/pay/business/pl_8fK2mQ"   data-anytime-pay="pl_8fK2mQ">Pay $384.00</a><script async src="https://anytime-capital.com/embed/anytime-pay.js"></script>

Customers pay in a secure window over your page. Where a builder strips scripts, the same link opens your hosted checkout on your own domain.

See payment processing

The real product

Invoices, checkouts and receipts your customers actually see

Every screen below is the Anytime Capital product, rendered with demo data: your logo and colours on the invoice, the checkout and the receipt, and the money in your account the minute it settles.

Anytime Capital product views, demo data.

Save and earn more

Keep more of every sale, and get it the same minute

Lower card rates than Stripe, no fee to be paid instantly, and suppliers paid on local rails instead of international wires.

Fee calculator

Monthly card volume

$50,000

Average sale

Paddle5% + 50¢Merchant of record, includes sales tax handling$2,794
Lemon Squeezy · US one-time card sales5% + 50¢Merchant of record, includes sales tax handling$2,794
PayPal · PayPal Checkout3.49% + 49¢$2,033
Square · Free plan3.3% + 30¢$1,826
Wave · Visa, Mastercard, Discover2.9% + 60¢$1,803
Stripe2.9% + 30¢$1,626
Shopify Payments · Basic plan2.9% + 30¢$1,626
Authorize.net · All-in-One plan2.9% + 30¢$1,626
Braintree2.89% + 29¢$1,616
Chase Payment Solutions · E-commerce gateway2.9% + 25¢$1,597
Anytime Capital2.75% + 30¢$1,551
QuickBooks Payments · Invoices and online2.99%$1,495

Saved per year

up to $5,781

vs the highest processor rate above

First 90 days at 2.5% + 30¢

$1,426 instead of $1,551

Claim the launch offer

Published standard US online card rates as of October 2026, rate on volume plus the fixed fee per payment. Excludes international, currency-conversion, dispute and instant-payout fees and any plan subscriptions, which vary by provider.

0.15 ptsUnder Stripe on every card payment2.75% + 30¢ against Stripe's published 2.9% + 30¢, with no monthly, setup or PCI fee.
2.5%For your first 90 daysNew businesses pay 2.5% + 30¢ for 90 days, then 2.75% + 30¢.
0%To get your money instantlySales settle into your Anytime Capital bank account, nights and weekends included. Stripe charges 1.5% of each Instant Payout.
71Countries paid on local railsPay suppliers in their own currency over SEPA Instant, PIX, SPEI, UPI and more, instead of an international wire.

Other processors' rates are their published US online card rates as of October 2026, before international, currency-conversion, dispute and plan fees.

One platform

Everything a business banks on, in one account

A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.

Operating account

Available

$482,310.55

Account: •••• 4821
Routing: •••• 0371
Receive by: ACH · Wire · RTP · FedNow

Weber FeinmechanikSEPA Instant€8,420.00Sending
Textiles OrtizSPEIMX$184,300Sending
Mehta Spice TradersUPI₹695,000Sending

Receive by ACH, wire, RTP and FedNow in your business's own name

Pay suppliers and contractors in 71 countries over the rail their bank already uses

SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money, with SWIFT everywhere else

Card sales land in the same balance the minute they settle

See the bank account

Docs and API

Integrate in an afternoon, or let your AI agent do it

A REST API, signed webhooks and an MCP server, with docs written to be pasted: every page is also Markdown, and each one comes with a prompt for your AI assistant.

MCP server: https://anytime-capital.com/api/mcp
Docs as one file: /docs/llms-full.txt

Read the quickstart All docs

Create a payment link

curl -X POST https://anytime-capital.com/api/v1/payment-links \
  -H "Authorization: Bearer $ANYTIME_API_KEY" \
  -H "Idempotency-Key: order-1042" \
  -H "Content-Type: application/json" \
  -d '{
    "title": "Consulting — October",
    "amountCents": 12500,
    "singleUse": true,
    "metadata": { "orderId": "1042" }
  }'

MCP connection

Let your AI agent run payments, with a key you can revoke

Our MCP server gives Claude, Cursor, GitHub Copilot, Gemini and OpenAI agents the same API your developers use: payments, payment links, invoices and customers, with the same limits and the same activity log.

ClaudeClaude Code & Desktop
CursorMCP server
GitHub CopilotMCP in VS Code
GeminiMCP in Gemini CLI
OpenAIMCP in the Agents SDK
WindsurfMCP server

48 tools

list_payments
get_payment
list_payment_links
create_payment_link
get_payment_link
update_payment_link
deactivate_payment_link
list_invoices
create_invoice
get_invoice
send_invoice
list_customers
create_customer
get_customer
update_customer
list_refunds
get_refund
create_refund
list_products
create_product
get_product
update_product
archive_product
list_subscription_plans
create_subscription_plan
get_subscription_plan
list_subscriptions
get_subscription
cancel_subscription
pause_subscription
resume_subscription
list_discount_codes
create_discount_code
get_discount_code
deactivate_discount_code
list_payouts
get_payout
get_balance
list_disputes
get_dispute
list_webhook_endpoints
create_webhook_endpoint
get_webhook_endpoint
update_webhook_endpoint
delete_webhook_endpoint
list_events
get_event
send_test_event

Connect the MCP server

Claude Code · harbor-and-pine

$ claude mcp add --transport http anytime-capital https://anytime-capital.com/api/mcp --header "Authorization: Bearer ak_live_…"

✓ Added HTTP MCP server anytime-capital

> Invoice Northwind Studio $2,400 for the October retainer, due in 14 days, and send it.

⏺ anytime-capital · create_invoice({ customerName: "Northwind Studio", lineItems: [{ description: "October retainer", quantity: 1, unitCents: 240000 }], dueDate: "2026-11-07", send: true })

⎿ Invoice sent to dana@northwind.studio · $2,400.00 due Nov 7 · reminders on

> How much did we take by card this week?

⏺ anytime-capital · list_payments({ createdFrom: "2026-10-19" })

⎿ 214 payments · $31,904.18 gross · 2 refunds

Developer settings in the Anytime Capital dashboard: API keys, including one for Claude over MCP, and a webhook endpoint

Integrations

Works with the tools you already run on

AI assistants, accounting, your website and the wallets in your customers' pockets.

Accounting

Download any date range as a file formatted for import, with fees, refunds and disputes as their own lines.

QuickBooks OnlineFormatted export
XeroFormatted export

Reports in the Anytime Capital dashboard: downloads formatted for QuickBooks Online and Xero, and a payouts file

See reporting

Wallets

Take Apple Pay and Google Pay at every checkout, and add your employee cards to both.

Apple PayAccept & spend
Google PayAccept & spend

See payment methods

Built for AI-written code

Every docs page comes as Markdown with a ready integration prompt, so any assistant writes your checkout correctly.

ChatGPTllms-full.txt
ClaudeOpen in Claude
GeminiMarkdown docs
PerplexityMarkdown docs
MistralMarkdown docs

Docs for AI assistants

Any website

Paste a Pay button or the checkout into any page, or use a plain link where a builder blocks scripts.

WordPressPay button
WebflowInline checkout
SquarespaceCode block
WixPay link

See website checkout

Questions

2Checkout vs Anytime Capital: FAQ

Compare other payment processors

Where to go next

Important Disclosures

Information about 2Checkout is drawn from its own published US pricing and pages (2checkout.com/pricing (2Sell, 2Subscribe and 2Monetize) and docs.2checkout.com on cross-border fees and payouts) as of October 2026. Prices and features change; where a figure was not published or 2Checkout's pages disagreed, this page says so rather than giving a number. Check current pricing before you decide.
Anytime Capital and 2Checkout are independent companies. This page is not endorsed by, affiliated with or sponsored by 2Checkout. Third-party names, logos and trademarks belong to their owners and are used only to identify the company compared.
Product views on this page are illustrations of the Anytime Capital dashboard and checkout; dashboard screenshots show a demonstration business with sample data.
This comparison is for information only and is not financial, tax or legal advice.
Banking, card, payment processing and payout services are provided by Anytime Capital's licensed partners; Anytime Capital is a fintech company, not a bank. Card and account features are subject to approval and to the terms shown at sign-up.
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.

Payment processor comparison

2Checkoutvs

2Checkout vs Anytime Capital

2.75% + 30¢ against 3.5% + 35¢
Subscriptions at the same rate
Payouts on demand, not weekly

Claim 2.5% + 30¢ for 90 days See pricing

Updated October 2026. 2Checkout figures from its published US pricing; where a figure is not published, we say so.

Wholesale roaster · pay.harborandpine.com

pay.harborandpine.com

Harbor & PineInvoice

Wholesale order #1182

12 × 5 lb Ethiopia Guji · net 15

$384.00

Pay

or pay with card

1234 1234 1234 1234

AMEX

MM / YY

CVC

Pay $384.00

Secure checkout by Anytime Capital

Quick answer

Is 2Checkout cheaper than Anytime Capital?

Published fees

2Checkout vs Anytime Capital fees, line by line

Fee	2Checkout	Anytime Capital
Online card rate	3.5% + 35¢ on 2Sell; 4.5% + 45¢ on 2Subscribe; 2Monetize by quote	2.75% + 30¢ (2.5% + 30¢ for your first 90 days with the launch offer)
In person	None on 2Checkout's plans	Customers scan and tap to pay on their own phone; no terminal to buy or rent
ACH bank payments	Not published	ACH bank debit on payment links and invoices; current rate on the pricing page
International cards	+2% cross-border fee on 2Sell and 2Subscribe	May carry an extra fee, shown in your dashboard before you accept the payment
Currency conversion	Not published	May carry an extra fee, shown in your dashboard before you accept the payment
Instant payout	None; weekly payouts by default	Instant, 24/7, to your Anytime Capital business account
Disputes	Not published	Shown in your dashboard; pre-dispute alerts can refund small payments automatically
Monthly fee	$0; no setup fee	$0: no monthly, setup or PCI fees

US pricing as of October 2026. “Not published” and “quote-only” mean no official figure was found, not that the fee is zero.

What a $100 online card sale costs

Percentage plus fixed fee, as a share of a $100 sale, at each published US rate

Anytime Capital
2Checkout

What one online card sale costs at each published rate
Sale	2Checkout 2Subscribe	2Checkout 2Sell	Anytime Capital	Launch offer, first 90 days
$10	$0.90	$0.70	$0.58	$0.55
$100	$4.95	$3.85	$3.05	$2.80
$1,000	$45.45	$35.35	$27.80	$25.30

Credit where due

What 2Checkout is genuinely good for

Software companies selling worldwide that want 2Checkout, on its 2Monetize plan, to be the merchant of record and handle VAT, GST and sales tax.
Businesses that need many local payment methods and currencies through one checkout.
Subscription businesses that want renewals and recurring billing tools from the same vendor as checkout.

Three plans, and only one is a merchant of record

Your balance

$412,880.00

USD · Anytime Capital

0 of 6 paid today

Lukas WeberWeber Feinmechanik · Stuttgart€8,420.00SEPA InstantSending
Oliver BennettBennett Print Co. · Manchester£5,150.00Faster PaymentsSending
Valeria OrtizTextiles Ortiz · GuadalajaraMX$184,300SPEISending
Camila RochaRocha Café Exportação · São PauloR$46,900PIXSending
Arjun MehtaMehta Spice Traders · Kochi₹695,000UPISending
Wanjiru KamauKamau Fresh Produce · NairobiKSh 1,120,000Mobile moneySending

Supplier payouts on local rails in 71+ countries, from one balance. Illustrative product view.

What subscriptions cost on each

Weekly payouts and a reserve, or on demand

Local methods abroad, your brand at home

2Checkout's strength is reach: local payment methods and currencies in many countries through one checkout, which matters for a software company with buyers across Europe, Latin America and Asia.

Side by side

2Checkout vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 6 of 11.

Category	2Checkout	Our pick
One-off sale	3.5% + 35¢ on 2Sell	2.75% + 30¢; 2.5% + 30¢ for your first 90 days
Subscription payment	4.5% + 45¢ on 2Subscribe	2.75% + 30¢, the same as a one-off sale
International payments	+2% cross-border fee on 2Sell and 2Subscribe	May carry an extra fee, shown in your dashboard before you accept the payment
Global sales tax and VAT	On 2Monetize, by quote, as merchant of record	You stay the seller: sales tax can be added at checkout from the buyer's address, and you register, file and remit it yourself
Local payment methods	Many local methods and currencies through one checkout	Cards, Apple Pay and Google Pay on every checkout; ACH on links and invoices; USDC and USDT
Payout speed	Weekly (2Sell, 2Subscribe) or monthly (2Monetize); reserve released after 90 days	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
Monthly fee	$0	$0: no monthly, setup or PCI fees
Branding	Hosted 2Checkout checkout	Your logo and colour on checkout, invoices, receipts and payment emails, served from a domain you own such as pay.yourbusiness.com
Developers and AI agents	REST and SOAP APIs	A REST API described in OpenAPI 3.1, 25 signed webhook event types, restricted API keys, an MCP server so Claude and other AI agents can create links and invoices, and a Node SDK in preview
In person	None on 2Checkout's plans	Key in an amount on any phone, tablet or laptop; the customer scans the code and taps to pay on their own phone. No terminal hardware
Business account, cards and payouts on one balance	Payouts to your bank	Payments, an Anytime Capital business account, employee cards, global payouts in 71+ countries and crypto and stablecoin liquidity on one balance

One-off sale
2Checkout
3.5% + 35¢ on 2Sell
Anytime
2.75% + 30¢; 2.5% + 30¢ for your first 90 days
Subscription payment
2Checkout
4.5% + 45¢ on 2Subscribe
Anytime
2.75% + 30¢, the same as a one-off sale
International payments
2Checkout
+2% cross-border fee on 2Sell and 2Subscribe
Anytime
May carry an extra fee, shown in your dashboard before you accept the payment
Global sales tax and VAT
2Checkout
On 2Monetize, by quote, as merchant of record
Anytime
You stay the seller: sales tax can be added at checkout from the buyer's address, and you register, file and remit it yourself
Local payment methods
2Checkout
Many local methods and currencies through one checkout
Anytime
Cards, Apple Pay and Google Pay on every checkout; ACH on links and invoices; USDC and USDT
Payout speed
2Checkout
Weekly (2Sell, 2Subscribe) or monthly (2Monetize); reserve released after 90 days
Anytime
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
Monthly fee
2Checkout
$0
Anytime
$0: no monthly, setup or PCI fees
Branding
2Checkout
Hosted 2Checkout checkout
Anytime
Your logo and colour on checkout, invoices, receipts and payment emails, served from a domain you own such as pay.yourbusiness.com
Developers and AI agents
2Checkout
REST and SOAP APIs
Anytime
A REST API described in OpenAPI 3.1, 25 signed webhook event types, restricted API keys, an MCP server so Claude and other AI agents can create links and invoices, and a Node SDK in preview
In person
2Checkout
None on 2Checkout's plans
Anytime
Key in an amount on any phone, tablet or laptop; the customer scans the code and taps to pay on their own phone. No terminal hardware
Business account, cards and payouts on one balance
2Checkout
Payouts to your bank
Anytime
Payments, an Anytime Capital business account, employee cards, global payouts in 71+ countries and crypto and stablecoin liquidity on one balance

At a glance

2Checkout in six lines

Background: Part of Verifone since 2020; sells checkout, subscription billing and merchant-of-record services to software companies.
Payout speed: Weekly by default on 2Sell and 2Subscribe, monthly on 2Monetize; $50 minimum ($100 on 2Monetize); a reserve, where held, is released after 90 days
Payment methods: Cards and local payment methods in many countries and currencies, for software and digital goods
Fraud tools: Not published separately
Point of sale: None on 2Checkout's plans
Support: Not published with pricing

Launch offer

Try Anytime Capital Payments: 2.5% + 30¢ for your first 90 days

Claim 2.5% + 30¢See pricing

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

Ways to start

Start with Anytime Capital Payments today

Launch offer
2.5% + 30¢ for your first 90 days of card payments, then 2.75% + 30¢.
Claim 2.5% for 90 days
Open an account
Sign up online; most reviews finish within one business day.
Sign up
Switch from Stripe
Import customers, plans, discount codes, payment links and open invoices with a read-only key.
See how switching works
Processing $1M+ a year?
Custom or interchange-plus pricing, a shared Slack channel and a named account manager.
Talk to sales

Payouts

Getting paid out

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.
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.
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.
Same day
Domestic wire
Fedwire for large or time-critical payments: closings, inventory, payroll top-ups and anything a counterparty wants by wire.
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.
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.
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.
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.
Instant
Employee and vendor cards
Fund physical and virtual business cards straight from your payments balance, with limits per person, team or merchant.

For developers and AI agents

A REST API described in OpenAPI 3.1, 25 signed webhook events, restricted API keys, an MCP server for AI agents and a Node SDK in preview, with every docs page available as Markdown.

Read the API docs OpenAPI and the Node SDK Build with Claude and other AI tools

Payment processing

A complete payments stack, from your website to your bank account

Your website
A Pay button, the checkout inline, or a hosted checkout on pay.yourbusiness.com.
Checkout
Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and ACH, in your logo and colour.
- AMEX
- ACH
3D Secure
Customers confirm larger payments with their bank, which usually moves fraud liability to the issuer.
Risk rules
Block card countries, cap amounts and decline high-risk scores before the card is charged.
Instant payout
Settled sales land in your Anytime Capital bank account, nights and weekends included.

Harbor & Pine · Wholesale order #1182$384.00 paid out to your bank account ••4821Processing

3D Secure and risk rules, in the dashboard

Add checkout to any website

<a href="https://anytime-capital.com/pay/business/pl_8fK2mQ"   data-anytime-pay="pl_8fK2mQ">Pay $384.00</a><script async src="https://anytime-capital.com/embed/anytime-pay.js"></script>

Customers pay in a secure window over your page. Where a builder strips scripts, the same link opens your hosted checkout on your own domain.

See payment processing

The real product

Invoices, checkouts and receipts your customers actually see

Every screen below is the Anytime Capital product, rendered with demo data: your logo and colours on the invoice, the checkout and the receipt, and the money in your account the minute it settles.

Anytime Capital product views, demo data.

Save and earn more

Keep more of every sale, and get it the same minute

Lower card rates than Stripe, no fee to be paid instantly, and suppliers paid on local rails instead of international wires.

Fee calculator

Monthly card volume

$50,000

Average sale

Paddle5% + 50¢Merchant of record, includes sales tax handling$2,794
Lemon Squeezy · US one-time card sales5% + 50¢Merchant of record, includes sales tax handling$2,794
PayPal · PayPal Checkout3.49% + 49¢$2,033
Square · Free plan3.3% + 30¢$1,826
Wave · Visa, Mastercard, Discover2.9% + 60¢$1,803
Stripe2.9% + 30¢$1,626
Shopify Payments · Basic plan2.9% + 30¢$1,626
Authorize.net · All-in-One plan2.9% + 30¢$1,626
Braintree2.89% + 29¢$1,616
Chase Payment Solutions · E-commerce gateway2.9% + 25¢$1,597
Anytime Capital2.75% + 30¢$1,551
QuickBooks Payments · Invoices and online2.99%$1,495

Saved per year

up to $5,781

vs the highest processor rate above

First 90 days at 2.5% + 30¢

$1,426 instead of $1,551

Claim the launch offer

0.15 ptsUnder Stripe on every card payment2.75% + 30¢ against Stripe's published 2.9% + 30¢, with no monthly, setup or PCI fee.
2.5%For your first 90 daysNew businesses pay 2.5% + 30¢ for 90 days, then 2.75% + 30¢.
0%To get your money instantlySales settle into your Anytime Capital bank account, nights and weekends included. Stripe charges 1.5% of each Instant Payout.
71Countries paid on local railsPay suppliers in their own currency over SEPA Instant, PIX, SPEI, UPI and more, instead of an international wire.

Other processors' rates are their published US online card rates as of October 2026, before international, currency-conversion, dispute and plan fees.

One platform

Everything a business banks on, in one account

A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.

Operating account

Available

$482,310.55

Account: •••• 4821
Routing: •••• 0371
Receive by: ACH · Wire · RTP · FedNow

Weber FeinmechanikSEPA Instant€8,420.00Sending
Textiles OrtizSPEIMX$184,300Sending
Mehta Spice TradersUPI₹695,000Sending

Receive by ACH, wire, RTP and FedNow in your business's own name

Pay suppliers and contractors in 71 countries over the rail their bank already uses

SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money, with SWIFT everywhere else

Card sales land in the same balance the minute they settle

See the bank account

Docs and API

Integrate in an afternoon, or let your AI agent do it

A REST API, signed webhooks and an MCP server, with docs written to be pasted: every page is also Markdown, and each one comes with a prompt for your AI assistant.

MCP server: https://anytime-capital.com/api/mcp
Docs as one file: /docs/llms-full.txt

Read the quickstart All docs

Create a payment link

curl -X POST https://anytime-capital.com/api/v1/payment-links \
  -H "Authorization: Bearer $ANYTIME_API_KEY" \
  -H "Idempotency-Key: order-1042" \
  -H "Content-Type: application/json" \
  -d '{
    "title": "Consulting — October",
    "amountCents": 12500,
    "singleUse": true,
    "metadata": { "orderId": "1042" }
  }'

MCP connection

Let your AI agent run payments, with a key you can revoke

ClaudeClaude Code & Desktop
CursorMCP server
GitHub CopilotMCP in VS Code
GeminiMCP in Gemini CLI
OpenAIMCP in the Agents SDK
WindsurfMCP server

48 tools

list_payments
get_payment
list_payment_links
create_payment_link
get_payment_link
update_payment_link
deactivate_payment_link
list_invoices
create_invoice
get_invoice
send_invoice
list_customers
create_customer
get_customer
update_customer
list_refunds
get_refund
create_refund
list_products
create_product
get_product
update_product
archive_product
list_subscription_plans
create_subscription_plan
get_subscription_plan
list_subscriptions
get_subscription
cancel_subscription
pause_subscription
resume_subscription
list_discount_codes
create_discount_code
get_discount_code
deactivate_discount_code
list_payouts
get_payout
get_balance
list_disputes
get_dispute
list_webhook_endpoints
create_webhook_endpoint
get_webhook_endpoint
update_webhook_endpoint
delete_webhook_endpoint
list_events
get_event
send_test_event

Connect the MCP server

Claude Code · harbor-and-pine

$ claude mcp add --transport http anytime-capital https://anytime-capital.com/api/mcp --header "Authorization: Bearer ak_live_…"

✓ Added HTTP MCP server anytime-capital

> Invoice Northwind Studio $2,400 for the October retainer, due in 14 days, and send it.

⏺ anytime-capital · create_invoice({ customerName: "Northwind Studio", lineItems: [{ description: "October retainer", quantity: 1, unitCents: 240000 }], dueDate: "2026-11-07", send: true })

⎿ Invoice sent to dana@northwind.studio · $2,400.00 due Nov 7 · reminders on

> How much did we take by card this week?

⏺ anytime-capital · list_payments({ createdFrom: "2026-10-19" })

⎿ 214 payments · $31,904.18 gross · 2 refunds

Integrations

Works with the tools you already run on

AI assistants, accounting, your website and the wallets in your customers' pockets.

Accounting

Download any date range as a file formatted for import, with fees, refunds and disputes as their own lines.

QuickBooks OnlineFormatted export
XeroFormatted export

See reporting

Wallets

Take Apple Pay and Google Pay at every checkout, and add your employee cards to both.

Apple PayAccept & spend
Google PayAccept & spend

See payment methods

Built for AI-written code

Every docs page comes as Markdown with a ready integration prompt, so any assistant writes your checkout correctly.

ChatGPTllms-full.txt
ClaudeOpen in Claude
GeminiMarkdown docs
PerplexityMarkdown docs
MistralMarkdown docs

Docs for AI assistants

Any website

Paste a Pay button or the checkout into any page, or use a plain link where a builder blocks scripts.

WordPressPay button
WebflowInline checkout
SquarespaceCode block
WixPay link

See website checkout

Questions

2Checkout vs Anytime Capital: FAQ

Compare other payment processors

Where to go next

Important Disclosures

Information about 2Checkout is drawn from its own published US pricing and pages (2checkout.com/pricing (2Sell, 2Subscribe and 2Monetize) and docs.2checkout.com on cross-border fees and payouts) as of October 2026. Prices and features change; where a figure was not published or 2Checkout's pages disagreed, this page says so rather than giving a number. Check current pricing before you decide.
Anytime Capital and 2Checkout are independent companies. This page is not endorsed by, affiliated with or sponsored by 2Checkout. Third-party names, logos and trademarks belong to their owners and are used only to identify the company compared.
Product views on this page are illustrations of the Anytime Capital dashboard and checkout; dashboard screenshots show a demonstration business with sample data.
This comparison is for information only and is not financial, tax or legal advice.
Banking, card, payment processing and payout services are provided by Anytime Capital's licensed partners; Anytime Capital is a fintech company, not a bank. Card and account features are subject to approval and to the terms shown at sign-up.
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.

2Checkout vs Anytime Capital

Is 2Checkout cheaper than Anytime Capital?

2Checkout vs Anytime Capital fees, line by line

What a $100 online card sale costs

What 2Checkout is genuinely good for

Three plans, and only one is a merchant of record

What subscriptions cost on each

Weekly payouts and a reserve, or on demand

Local methods abroad, your brand at home

2Checkout vs Anytime Capital, row by row

2Checkout in six lines

Try Anytime Capital Payments: 2.5% + 30¢ for your first 90 days

Start with Anytime Capital Payments today

Launch offer

Open an account

Switch from Stripe

Processing $1M+ a year?

Getting paid out

Payouts to your bank account

Your Anytime Capital business account

RTP and FedNow instant transfers

Domestic wire

ACH and same-day ACH

Local rails in 71+ countries

Stablecoins: USDC and USDT

Crypto liquidity

Employee and vendor cards

For developers and AI agents

A complete payments stack, from your website to your bank account

Your website

Checkout

3D Secure

Risk rules

Instant payout

Invoices, checkouts and receipts your customers actually see

Keep more of every sale, and get it the same minute

Everything a business banks on, in one account

Integrate in an afternoon, or let your AI agent do it

Let your AI agent run payments, with a key you can revoke

Works with the tools you already run on

Accounting

Wallets

Built for AI-written code

Any website

2Checkout vs Anytime Capital: FAQ

What are 2Checkout's fees?

Is 2Checkout the same as Verifone?

Is 2Checkout a merchant of record?

How often does 2Checkout pay out?

Is 2Checkout cheaper than Paddle?

What is the best 2Checkout alternative?

Is Anytime Capital a merchant of record?

Do I need a merchant of record?

Is Anytime Capital a bank?

Compare other payment processors

Where to go next

Important Disclosures

2Checkout vs Anytime Capital

Is 2Checkout cheaper than Anytime Capital?

2Checkout vs Anytime Capital fees, line by line

What a $100 online card sale costs

What 2Checkout is genuinely good for

Three plans, and only one is a merchant of record

What subscriptions cost on each

Weekly payouts and a reserve, or on demand

Local methods abroad, your brand at home

2Checkout vs Anytime Capital, row by row

2Checkout in six lines

Try Anytime Capital Payments: 2.5% + 30¢ for your first 90 days

Start with Anytime Capital Payments today

Launch offer

Open an account

Switch from Stripe

Processing $1M+ a year?

Getting paid out

Payouts to your bank account

Your Anytime Capital business account

RTP and FedNow instant transfers

Domestic wire

ACH and same-day ACH