Payment processor comparison
Authorize.net vs Anytime Capital
Authorize.net has connected websites to card networks for decades, and a long list of carts and billing tools still support it. Its All-in-One plan charges 2.9% + 30¢ plus $25 a month. Anytime Capital Payments charges 2.75% + 30¢ with no monthly fee, pays out to your bank with an instant option where eligible, and needs no gateway to configure.
- 2.75% + 30¢ against 2.9% + 30¢ + $25/month
- No gateway fee, batch fee or setup
- Payouts to your bank, instant where eligible
Updated October 2026. Authorize.net figures from its published US pricing; where a figure is not published, we say so.
Wholesale roaster · pay.harborandpine.com
Wholesale order #1182
12 × 5 lb Ethiopia Guji · net 15
$384.00
- AMEX
Secure checkout by Anytime Capital
Quick answer
Is Authorize.net cheaper than Anytime Capital?
Not on its published All-in-One plan: 2.9% + 30¢ per transaction plus $25 a month, against Anytime Capital Payments at 2.75% + 30¢ with no monthly fee. On a $100 sale that is $3.20 against $3.05, and on $10,000 a month in $100 sales, $345.00 against $305.00. Authorize.net's Gateway Only plan can cost less if you already hold a merchant account with low interchange-plus pricing, because it adds only $25 a month, 10¢ a transaction and a 10¢ daily batch fee to that account's own fees. New businesses pay 2.5% + 30¢ for their first 90 days with us.
Published fees
Authorize.net vs Anytime Capital fees, line by line
| Fee | Authorize.net | Anytime Capital |
|---|---|---|
| Online card rate | 2.9% + 30¢ plus $25/month (All-in-One); Gateway Only $25/month + 10¢ a transaction + 10¢ daily batch fee | 2.75% + 30¢ (2.5% + 30¢ for your first 90 days with the launch offer) |
| In person | Not priced separately on its pricing page | Customers scan and tap to pay on their own phone; no terminal to buy or rent |
| ACH bank payments | eCheck 0.75% a transaction, $10 monthly minimum, $3 per return | ACH bank debit on payment links and invoices; current rate on the pricing page |
| International cards | Not published | 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 | Not published; deposits follow the daily batch and the merchant account | Instant, 24/7, to your Anytime Capital business account |
| Disputes | $25 per eCheck chargeback; card chargeback fee not published | Shown in your dashboard; pre-dispute alerts can refund small payments automatically |
| Monthly fee | $25 gateway fee on both plans; $0 setup | $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
- Authorize.net
Authorize.net: 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.
| Sale | Authorize.net All-in-One | Anytime Capital | Launch offer, first 90 days |
|---|---|---|---|
| $10 | $0.59 | $0.58 | $0.55 |
| $100 | $3.20 | $3.05 | $2.80 |
| $1,000 | $29.30 | $27.80 | $25.30 |
Credit where due
What Authorize.net is genuinely good for
- Businesses that already have a merchant account with good interchange-plus pricing and only need a gateway: Gateway Only adds $25 a month and 10¢ a transaction.
- Merchants whose shopping cart, billing or ERP software already speaks Authorize.net, where the cost of switching is the integration, not the rate.
- Teams that want a long-established gateway with a configurable fraud filter suite, stored customer profiles and recurring billing included in the plan price.
A gateway first, a merchant account second
Authorize.net started as a payment gateway: the software that carries a card payment from a website or terminal to the merchant account that settles it. Its Gateway Only plan is still exactly that, for businesses that already have a merchant account with a bank or processor. The All-in-One plan bundles a merchant account so a business can start without one.
That history is why so many shopping carts, invoicing tools and ERPs connect to it out of the box. If your software already speaks Authorize.net, keeping it can be worth more than any rate difference.
- Block high-risk paymentsScore 75 or more
- Require 3D Secure above an amountOver $500.00
- Block cards from selected countries3 countries
- Maximum amount per payment$5,000.00
- Refund pre-dispute alerts automaticallyUnder $100.00
What the $25 a month adds up to
On the All-in-One plan, the monthly gateway fee sits on top of 2.9% + 30¢. A business taking $10,000 a month in $100 sales pays $345.00 a month, or $4,140 a year. At 2.75% + 30¢ with no monthly fee, the same sales cost $305.00 a month: $40.00 less, or $480 a year.
Gateway Only is a different calculation, and can be the cheaper one. It costs $25 a month, 10¢ a transaction and a 10¢ daily batch fee, on top of whatever your merchant account charges. If that account gives you interchange-plus pricing with a thin markup, the total can come in under a flat rate. Add every line before you decide.
Fraud filters, stored cards and recurring billing
Authorize.net includes its Advanced Fraud Detection Suite, with configurable filters, on every plan, and its plan price covers stored customer profiles and recurring billing. Account Updater, which refreshes expired Visa and Mastercard numbers, costs 25¢ per successful update.
Anytime Capital Payments includes a 0–100 risk score on every payment, block rules by score, amount and card country, 3D Secure above an amount you choose, pre-dispute auto-refunds and evidence packs. Recurring billing is a product rather than an API call: subscription plans with free trials, discount codes, plan changes with proration, pause and resume, usage-based meters and a customer billing portal.
eCheck and ACH
Authorize.net's eCheck service, for US businesses, costs 0.75% a transaction with a $10 monthly minimum, $3 per returned payment and $25 per eCheck chargeback. For invoices paid by bank in the thousands, that is a meaningful saving over cards.
Anytime Capital Payments accepts ACH bank debit on payment links and invoices too; its current rate is on the pricing page.
No gateway to configure
Authorize.net is integrated through its API, hosted forms or a cart plugin, then configured in its merchant interface. Anytime Capital Payments starts from the dashboard: payment links, branded invoices, email checkout, subscriptions and in-person scan-and-tap work the day you are approved, with no gateway, batch or setup fee.
When you do want to build, it offers 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. Store integrations: WooCommerce plugin today; a Shopify app waiting for Shopify's approval; a Zapier app coming soon; QuickBooks Online and Xero sync.
After the sale
Authorize.net settles once a day in a batch, and when the money reaches your bank depends on the merchant account. 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.
Side by side
Authorize.net 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.
Online card rate
- Authorize.net
- 2.9% + 30¢ on All-in-One
- Anytime
- 2.75% + 30¢; 2.5% + 30¢ for your first 90 days
Monthly fee
- Authorize.net
- $25 on both plans
- Anytime
- $0: no monthly, setup or PCI fees
Using your own merchant account
- Authorize.net
- Gateway Only: $25/month + 10¢ a transaction + 10¢ daily batch
- Anytime
- Not offered; custom or interchange-plus pricing at $1M+ a year
Software that already connects
- Authorize.net
- A long list of carts, invoicing tools and ERPs
- Anytime
- WooCommerce plugin today; a Shopify app waiting for Shopify's approval; a Zapier app coming soon; QuickBooks Online and Xero sync
Bank payments
- Authorize.net
- eCheck 0.75%, $10 monthly minimum, $3 per return
- Anytime
- ACH bank debit on payment links and invoices; current rate on the pricing page
Fraud tools
- Authorize.net
- Advanced Fraud Detection Suite included; Account Updater 25¢ per update
- Anytime
- A 0–100 risk score on every payment, block rules by score, amount and card country, 3D Secure above an amount you choose, pre-dispute auto-refunds and evidence packs
Recurring billing
- Authorize.net
- Recurring billing and stored customer profiles through the API
- Anytime
- Subscription plans with free trials, discount codes, plan changes with proration, pause and resume, usage-based meters and a customer billing portal
No-code payments
- Authorize.net
- Hosted forms and a virtual terminal; links and invoices come from your other software
- Anytime
- Payment links, branded invoices, email checkout and subscriptions from the dashboard
Payout speed
- Authorize.net
- Not published; daily batch, then the merchant account's schedule
- 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
Developers and AI agents
- Authorize.net
- A mature payments API and SDKs
- 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
Business account, cards and payouts on one balance
- Authorize.net
- Gateway and merchant account; banking from other providers
- 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
Authorize.net in six lines
- Background
- A payment gateway since the 1990s; part of Visa since Visa bought its parent company, CyberSource, in 2010.
- Payout speed
- Not published on Authorize.net's pricing page; deposits follow the daily settlement batch and the merchant account provider's schedule
- Payment methods
- Cards, and eCheck (ACH) bank payments for US businesses
- Fraud tools
- Advanced Fraud Detection Suite on every plan (13 configurable filters, per Authorize.net); Account Updater at 25¢ per updated card
- Point of sale
- Not priced separately on its pricing page
- 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.
- 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 daysOpen an account
Sign up online; most reviews finish within one business day.
Sign upSwitch from Stripe
Import customers, plans, discount codes, payment links and open invoices with a read-only key.
See how switching worksProcessing $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.
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.
3D Secure and risk rules, in the dashboard
<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.
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.
Salons & spasThe receipt, with the tip and the salon's own thank-you messagePayments for salons & spas
Gyms & fitness studiosA membership plan's checkout, with its free trialPayments for gyms & fitness studios
Property managementA rent invoice, with rent and parking as separate linesPayments for property management
NonprofitsA donation link: donors choose the amountPayments for nonprofits
Home servicesA quote the customer accepts onlinePayments for home services
Photographers & videographersA quote, accepted online by the clientPayments for photographers & videographers
Tutors & lesson teachersAn invoice to a parent for the month's sessionsPayments for tutors & lesson teachers
Childcare & daycareA family's monthly tuition invoice, with a sibling discountPayments for childcare & daycare
Pet care & groomingThe receipt, with the tip, the pet's name and your thank-you messagePayments for pet care & grooming
Auto repairThe estimate, sent as a quote the customer approves onlinePayments for auto repair
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.
$50,000
- 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
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 accountAvailable
$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
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
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" }
}'- QuickstartGo from a new business account to your first paid payment link with the Anytime Capital Payments API: create a key, create a link, verify a webhook.Read
- Payment linksCreate, update and deactivate hosted payment links with the Anytime Capital Payments API: one per order or reusable, with metadata, and prefilled checkout.Read
- Checkout & websiteTake payments with hosted payment links, a Pay button or inline checkout on your website, your own checkout domain and your logo and brand colour.Read
- InvoicesCreate, list and send invoices with the Anytime Capital Payments API: line items, discount, tax and deposits, emailed in your branding and paid by card.Read
- WebhooksGet Anytime Capital Payments events by webhook: payments, refunds, disputes, invoices and subscriptions, signed with HMAC-SHA256 and retried for 24 hours.Read
- Fraud rules & 3D SecureProtect your Anytime Capital payments: block card countries, require 3D Secure above an amount, cap payment size, block high-risk scores and auto-refund alerts.Read
- Payout optionsWithdraw your Anytime Capital balance to your bank, standard or instant where eligible. Local rails in 71+ countries.Read
- AI agents hubConnect Claude, Cursor, VS Code and your own agents to Anytime Capital Payments through the MCP server, give them the docs as Markdown, and keep them safe.Read
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
$ 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
Wallets
Take Apple Pay and Google Pay at every checkout, and add your employee cards to both.
- Apple PayAccept & spend
- Google PayAccept & spend
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
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
Questions
Authorize.net vs Anytime Capital: FAQ
Compare other payment processors
Where to go next
Important Disclosures
- Information about Authorize.net is drawn from its own published US pricing and pages (authorize.net/sign-up/pricing.html, Authorize.net's Account Updater and payments pages, and its fee definitions) as of October 2026. Prices and features change; where a figure was not published or Authorize.net's pages disagreed, this page says so rather than giving a number. Check current pricing before you decide.
- Anytime Capital and Authorize.net are independent companies. This page is not endorsed by, affiliated with or sponsored by Authorize.net. 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.