Payment processor comparison
Checkout.com vs Anytime Capital
Checkout.com is an acquirer for the largest online merchants, priced by quote on your business profile and risk category. It does not publish a US rate. Anytime Capital Payments does: 2.75% + 30¢, no monthly fee, instant payouts to a business account, and custom pricing at $1M+ a year. Here is how to compare a published rate with a quote.
- 2.75% + 30¢, published
- Sign up online; links work from day one
- Receive, hold and send stablecoins
Updated October 2026. Checkout.com figures from its published US pricing; where a figure is not published, we say so.
Available to pay out
$248,310.42
+$31,904.18 today · 412 payments
Payouts
Quick answer
Is Checkout.com cheaper than Anytime Capital?
It depends on the quote, because Checkout.com does not publish a US rate. It prices interchange++ or a flat rate based on your business profile and risk category, and at large volume interchange++ is often cheaper than any flat rate. Anytime Capital Payments publishes 2.75% + 30¢ ($3.05 on a $100 sale) with no monthly, setup or PCI fees and 2.5% + 30¢ for your first 30 days, and quotes custom pricing for businesses processing $1M+ a year. For a business that wants to start taking payments this week, the published rate is the simpler path; for a global merchant with a payments team, Checkout.com is worth a quote.
Published fees
Checkout.com vs Anytime Capital fees, line by line
| Fee | Checkout.com | Anytime Capital |
|---|---|---|
| Online card rate | Quote-only: interchange++ or a flat rate set by business profile and risk | 2.75% + 30¢ (2.5% + 30¢ for your first 30 days with the launch offer) |
| In person | Not published | 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 | Quote-only | May carry an extra fee, shown in your dashboard before you accept the payment |
| Currency conversion | Industry base rate plus a fee agreed at onboarding | May carry an extra fee, shown in your dashboard before you accept the payment |
| Instant payout | Not published | 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 | No setup or account-maintenance fees, per its pricing page | $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.
Pricing model
Checkout.com does not publish a flat US rate
Checkout.com: Quote-only: interchange++ or a flat rate set by business profile and risk. There is no published number to chart against ours, so compare a written quote line by line with Anytime Capital Payments's 2.75% + 30¢ (2.5% + 30¢ for your first 30 days), which is $3.05 on a $100 sale.
Credit where due
What Checkout.com is genuinely good for
- Large, high-volume online merchants that want interchange++ pricing and enterprise acquiring in many markets.
- Payments teams that care about authorisation rates and want decline optimisation like Intelligent Acceptance.
- Enterprises that want stablecoin settlement from their acquirer rather than a separate provider.
An acquirer for the largest online merchants
Checkout.com sells enterprise acquiring: cards, wallets and local methods across many markets, with Intelligent Acceptance to lift authorisation rates and fraud detection built in. Its customers tend to be global online brands with in-house payments teams.
Pricing follows that model. Its pricing page describes interchange++ (interchange, scheme fees and an acquirer fee) priced on your business profile and risk category, a flat-rate option, and no setup or account-maintenance fees. Currency conversion is an industry base rate plus a fee agreed at onboarding.
- 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
Comparing a quote with a published rate
A quote is only comparable once it is in writing and covers every line. Anytime Capital's side of the comparison is fixed: 2.75% + 30¢ per successful card or wallet payment, no monthly, setup or PCI fees, and any international or conversion fee shown in your dashboard before you accept a payment.
- Is the price interchange++ or flat, and what is the acquirer fee per scheme?
- What is the FX margin over the base rate?
- What does each dispute cost, and is there a reserve?
- How long is settlement, and is there any minimum volume?
Stablecoin settlement, two ways
Since June 2026, Checkout.com has offered stablecoin settlement to US merchants, excluding New York, Virginia, Alaska and Puerto Rico, working with Fireblocks, and it has a separate collaboration letting eligible enterprise merchants accept stablecoins.
Anytime Capital approaches stablecoins from the business account: take USDC and USDT by payment request to your wallet, hold them, convert across 38+ assets at desk-quoted rates, and send same-day stablecoin transfers to suppliers and contractors, alongside dollar payouts on local rails in 71+ countries.
Everything after settlement
An acquirer settles money to your bank; what happens next is your bank's business. With Anytime Capital, payments, the business account, employee cards and global payouts share one balance, so a sale can pay a supplier in Mexico by SPEI or a contractor in Brazil by PIX the same day it settles.
Side by side
Checkout.com vs Anytime Capital, row by row
A green check marks the platform with the edge on that row. Anytime Capital leads on 5 of 10.
Published pricing
- Checkout.com
- Quote-only
- Anytime
- 2.75% + 30¢; 2.5% + 30¢ for your first 30 days
Enterprise pricing
- Checkout.com
- Interchange++ or flat, by business profile and risk
- Anytime
- Custom pricing at $1M+ a year
Global acquiring
- Checkout.com
- Enterprise acquiring and local methods in many markets
- Anytime
- Cards, Apple Pay, Google Pay, ACH and stablecoins; international cards may carry a fee shown in advance
Decline optimisation
- Checkout.com
- Intelligent Acceptance
- 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
Currency conversion
- Checkout.com
- Base rate plus a fee agreed at onboarding
- Anytime
- May carry an extra fee, shown in your dashboard before you accept the payment
Stablecoins
- Checkout.com
- Stablecoin settlement for US merchants (not NY, VA, AK, PR) since June 2026
- Anytime
- Receive USDC and USDT by payment request, hold and send them; convert across 38+ assets
Getting started
- Checkout.com
- Sales process and contract
- Anytime
- Open an account online in a couple of minutes; most complete applications are approved the same day, and payment links work from day one
Payout speed
- Checkout.com
- Set by contract
- Anytime
- Instant into your Anytime Capital business account, 24/7
In person
- Checkout.com
- No in-person rate published
- 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
- Checkout.com
- Acquiring and settlement; 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
Checkout.com in six lines
- Background
- Founded 2012 in London.
- Payout speed
- Not published; settlement terms are set by contract
- Payment methods
- Cards, wallets and local payment methods; stablecoin settlement for eligible US merchants since June 2026 (not in NY, VA, AK or PR)
- Fraud tools
- Fraud detection and Intelligent Acceptance decline optimisation; pricing not published
- Point of sale
- Online focus; no in-person rate published
- Support
- Not published; set by contract
Launch offer
Try Anytime Capital Payments: 2.5% + 30¢ for your first 30 days
Then 2.75% + 30¢ per card or wallet payment, with no monthly, setup or PCI fees. Links, invoices and in-person payments from day one, instant payouts to your Anytime Capital business account, and payouts on local rails in 71+ countries.
- 2.75% + 30¢ online, 2.5% + 30¢ for 30 days
- No monthly, setup or PCI fees
- Instant payouts to your business account, 24/7
- Live US business team
Payouts
Every way to get paid out
Sales settle into your Anytime Capital Payments balance. From there, each payout goes on the rail that suits it, from your own business account in seconds to a supplier abroad on local rails.
- Instant, 24/7
Your Anytime Capital business account
Sweep settled sales into your 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 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 38+ 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
REST API, signed webhooks and an MCP endpoint, with every docs page available as Markdown.
Questions
Checkout.com vs Anytime Capital: FAQ
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Where to go next
Important Disclosures
- Information about Checkout.com is drawn from its own published US pricing and pages (checkout.com/pricing, Checkout.com's FX documentation and blog, and its June 2026 stablecoin settlement announcement) as of October 2026. Prices and features change; where a figure was not published or Checkout.com's pages disagreed, this page says so rather than giving a number. Check current pricing before you decide.
- Anytime Capital and Checkout.com are independent companies. This page is not endorsed by, affiliated with or sponsored by Checkout.com. 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.
- This comparison is for information only and is not financial, tax or legal advice.
- Anytime Capital is a fintech company, not a bank. Payment processing, banking and payout services are provided by Anytime Capital's licensed partners. Rates shown are for US card payments; international cards, currency conversion and disputes may carry additional fees shown in your dashboard before you accept a payment.