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    3. Best business accounts with payment processing

    Roundup

    Business bank accounts with payment processing built in

    Most business accounts are built for money going out. Brex and Ramp are spend platforms, Slash is cards and sub-accounts, and Mercury runs invoice card payments through Stripe. A business that sells pays a separate processor, waits on its payouts and reconciles two ledgers. Here is which accounts take a customer's payment themselves, what it costs and when the money is yours to spend.

    • Anytime Capital
    • Mercury
    • Brex
    • Ramp
    • Slash
    • Stripe

    Updated October 2026. Figures from each company's published fees, terms and filings, and the public sources named on this page.

    Which business bank account has payment processing?

    Anytime Capital: cards, Apple Pay, Google Pay and ACH at 2.75% + 30¢ (2.5% + 30¢ for the first 90 days), through payment links, invoices, subscriptions, website checkout and in person, with settled sales paid out instantly into the same business bank account. Mercury takes cards on invoices only, through Stripe at Stripe's rates. We found no card-acquiring product at Brex, Ramp or Slash, so each needs a separate processor.

    How we judged them

    • Takes the payment itself

      Whether the account processes cards and wallets, or hands you to another company to do it.

    • The rate

      The percentage and fixed fee on every sale, before any plan or payout fee.

    • When the money is spendable

      Instantly in the account, or after a processor's payout schedule and its fee for going faster.

    • What else sits on the balance

      Cards, supplier payouts abroad and crypto from the same money, without a transfer between providers.

    Who processes payments, and who doesn't

    ProviderTakes card paymentsCard rateWhen the money is spendableBusiness bank account
    Anytime Capital    		Yes: cards, Apple Pay, Google Pay and ACH2.75% + 30¢; 2.5% + 30¢ for the first 90 daysInstantly, 24/7, in the same accountYes, with payouts in 71+ countries
    Mercury    		On invoices, through StripeStripe's 2.9% + 30¢After Stripe's payoutYes
    Brex    		No card-acquiring product foundA separate processor, such as Stripe at 2.9% + 30¢After the processor's payoutYes
    Ramp    		No card-acquiring product foundA separate processor, such as Stripe at 2.9% + 30¢After the processor's payoutYes, Ramp Banking
    Slash    		Invoicing; no card acquiringA separate processor, such as Stripe at 2.9% + 30¢After the processor's payoutYes
    Stripe    		Yes2.9% + 30¢2-day standard schedule for many; Instant Payouts at 1.5%No; pays out to the bank you connect

    From each company's published pages as of October 2026. Stripe's figures are its published US online rate and payout terms; Instant Payouts cost 1.5% of each payout.

    The picks

    1. 1. Best for a bank account that takes the payment itself

      Anytime Capital

      Payment processing is part of the business bank account: 2.75% + 30¢ per card or wallet payment with no monthly, setup or PCI fee, payment links, branded invoices, subscriptions, a Pay button or full checkout on your website, in-person scan-and-tap, 3D Secure and risk rules. Settled sales land in the account instantly, nights and weekends included, already spendable on employee cards and ready to pay out in 71+ countries.

      See Anytime Capital Payments

    2. 2. Best for invoices paid by ACH, wire or card through Stripe

      Mercury

      Mercury invoices can be paid by ACH or wire for free, and by card, Apple Pay or Google Pay through Stripe at Stripe's rates (2.9% + 30¢), with no Mercury fee on top. We found no card-acquiring product of Mercury's own beyond that.

      Does Mercury have payment processing?

    3. 3. Best for spend, with a processor beside it

      Brex

      Brex is built for money going out: corporate cards, expense policy, travel and a business account. We found no card-acquiring product, so a company that sells pairs it with a processor and waits on that processor's payouts.

      Does Brex have payment processing?

    4. 4. Best for AP automation, with a processor beside it

      Ramp

      Ramp automates spend, bill pay and procurement. We found no card-acquiring product, so sales go through a separate processor before they reach the account Ramp's cards and bills draw on.

      Does Ramp have payment processing?

    5. 5. Best for invoicing, with a processor for cards

      Slash

      Slash supports invoicing, but we found no card-acquiring product: customers' cards, Apple Pay and Google Pay go through a separate processor, which pays out to the Slash account on its own schedule.

      Does Slash have payment processing?

    6. 6. Best for a processor without a bank account

      Stripe

      The broadest payments API there is, at 2.9% + 30¢. Stripe pays out to the bank account you connect: a 2-day standard schedule for many lower-risk US businesses after a 7-day wait for a new account's first payout, or Instant Payouts at 1.5% of each payout. It is not a bank account, so cards, bills and payouts abroad run elsewhere.

      Stripe vs Anytime Capital

    Why the spend platforms don't process payments

    Brex, Ramp and Slash grew out of corporate cards and expense software: products for controlling money on its way out. Card acquiring is a different business, with its own underwriting, risk team and network relationships, and none of them has built it. Mercury chose to route invoice card payments through Stripe rather than build its own.

    What a separate processor costs on top of the account

    At $50,000 a month in $100 sales, Stripe's published 2.9% + 30¢ comes to $1,450.30 a month; Anytime Capital Payments's 2.75% + 30¢ comes to $1,375.30. Getting that money the same day through Stripe's Instant Payouts adds 1.5% of each payout; with Anytime Capital the sale is already in the account.

    Float: the money you wait for

    A two-day payout schedule means a Friday's sales reach the bank on Tuesday; a new account's first payout can take a week. For a business paying staff and suppliers, that wait is working capital it does not have. When the processor and the bank account are the same product, there is no wait to pay for.

    Anytime Capital Payments

    2.75% + 30¢

    per card or wallet payment · 2.5% + 30¢ for your first 90 days

    • No monthly, setup or PCI fees
    • Payouts to your bank, instant where eligible
    • Live US business team
    Claim 2.5% + 30¢See full pricing

    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.

    1. Your website

      A Pay button, the checkout inline, or a hosted checkout on pay.yourbusiness.com.

    2. Checkout

      Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and ACH, in your logo and colour.

      • AMEX
      • ACH

    3. 3D Secure

      Customers confirm larger payments with their bank, which usually moves fraud liability to the issuer.

    4. Risk rules

      Block card countries, cap amounts and decline high-risk scores before the card is charged.

    5. 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

    anytime-capital.com/dashboard/business/settings/risk
    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.

    • Luna Hair Studio receipt for $258: balayage and cut, a deep-conditioning treatment and a $43 tip, paid with Apple PaySalons & spasThe receipt, with the tip and the salon's own thank-you messagePayments for salons & spas
    • Anytime Capital checkout for Northside Pilates' unlimited monthly membership at $149 a month with a 7-day free trialGyms & fitness studiosA membership plan's checkout, with its free trialPayments for gyms & fitness studios
    • Harbor Point Property Mgmt invoice INV-1107 for November rent on Unit 4B plus parking, $1,925 due November 1Property managementA rent invoice, with rent and parking as separate linesPayments for property management
    • Anytime Capital checkout for Riverbend Food Bank's winter food drive, with a suggested $50 giftNonprofitsA donation link: donors choose the amountPayments for nonprofits
    • Fresh Start Home Services quote Q-0218 for a $496 deep clean with oven, fridge and window add-ons, valid until November 4Home servicesA quote the customer accepts onlinePayments for home services
    • Golden Hour Photography quote Q-0094 for a $3,650 wedding collection and engagement session, accepted by Jordan RiveraPhotographers & videographersA quote, accepted online by the clientPayments for photographers & videographers
    • Crescendo Music & Tutoring invoice INV-0356 to a parent for four 45-minute math tutoring sessions and an SAT practice test review, $300Tutors & lesson teachersAn invoice to a parent for the month's sessionsPayments for tutors & lesson teachers
    • Little Acorns Learning Center invoice INV-2611 for two children's November tuition with a $105 sibling discount, $2,395 due November 1Childcare & daycareA family's monthly tuition invoice, with a sibling discountPayments for childcare & daycare
    • Wag & Whisker Pet Care receipt for $138: a full groom, nail grind and teeth brushing and a $23 tip, paid with Google Pay, with the pet's name BiscuitPet care & groomingThe receipt, with the tip, the pet's name and your thank-you messagePayments for pet care & grooming
    • Ridgeline Auto Care quote Q-1042 for a $666 brake job on a 2019 Honda CR-V: parts, two hours of labor and a brake fluid flushAuto 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.

    Fee calculator

    $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

    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" }
  }'
    • 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
    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

    anytime-capital.com/dashboard/business/settings/developers
    Developer settings in the Anytime Capital dashboard: API keys, including one for Claude over MCP, and a webhook endpoint

    Launch offer

    Get paid into your bank account at 2.75% + 30¢

    Anytime Capital Payments and a business bank account in one: 2.5% + 30¢ for your first 90 days, instant payouts, employee cards and payouts in 71+ countries on the same balance.

    Claim 2.5% + 30¢See the business account
    • 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

    Questions

    Best business accounts with payment processing: FAQ

    Every business banking platform comparison

    • Brex vs Anytime Capital
    • Ramp vs Anytime Capital
    • Mercury vs Anytime Capital
    • Slash vs Anytime Capital

    Where to go next

    • Anytime Capital business account
    • Anytime Capital Payments
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    Important Disclosures

    • Information about Mercury, Brex, Ramp and Slash is drawn from their published pricing, support and legal pages, press announcements and regulatory filings as of October 2026. Features and prices change; check each company's current terms.
    • Anytime Capital and the companies named are independent. This page is not endorsed by or affiliated with any of them. Third-party names and trademarks belong to their owners and are used only to identify the companies compared.
    • This comparison is for information only and is not financial, tax or legal advice.
    • Cryptocurrency and stablecoin balances are not FDIC insured, are not bank deposits and can lose value.
    • 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.
    Anytime Capital
    (470) 748-2530
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    © 2026 Anytime Capital LLC. Anytime Capital is a fintech company, not a bank.

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