Payment processor comparison
Lemon Squeezy vs Anytime Capital
Lemon Squeezy made merchant-of-record selling easy for indie software and digital products: 5% + 50¢, with sales tax and VAT handled, license keys and affiliates built in. International sales, PayPal and subscriptions each add to that, and since Stripe bought it in 2024, its own site points merchants toward Stripe Managed Payments. Anytime Capital Payments is a processor: 2.75% + 30¢, your name as the seller, and payouts to your bank on demand.
- 2.75% + 30¢ against 5% + 50¢ and surcharges
- Payouts on demand, not twice a month
- Subscriptions and usage billing built in
Updated October 2026. Lemon Squeezy 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 Lemon Squeezy cheaper than Anytime Capital?
Per sale, no. Lemon Squeezy charges 5% + 50¢, plus 1.5% outside the US, 1.5% for PayPal and 0.5% on subscriptions, so an international subscription payment of $50 costs $4.00, against $1.68 at 2.75% + 30¢ (an international card may carry an extra fee with us, shown before you accept it). The difference pays for Lemon Squeezy being your merchant of record: it collects and remits sales tax and VAT and handles fraud. If you sell to consumers worldwide, that can be worth it; if not, a processor costs less. Lemon Squeezy is also in transition, with its own site pointing merchants toward Stripe Managed Payments.
Published fees
Lemon Squeezy vs Anytime Capital fees, line by line
| Fee | Lemon Squeezy | Anytime Capital |
|---|---|---|
| Online card rate | 5% + 50¢; +1.5% outside the US, +1.5% PayPal, +0.5% subscriptions | 2.75% + 30¢ (2.5% + 30¢ for your first 90 days with the launch offer) |
| In person | None | 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 | +1.5% for transactions outside the US | May carry an extra fee, shown in your dashboard before you accept the payment |
| Currency conversion | Payout fees vary by method, region and currency | May carry an extra fee, shown in your dashboard before you accept the payment |
| Instant payout | None; payouts twice a month | Instant, 24/7, to your Anytime Capital business account |
| Disputes | Handled as merchant of record; fee not published | Shown in your dashboard; pre-dispute alerts can refund small payments automatically |
| Monthly fee | $0 | $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
- Lemon Squeezy
Lemon Squeezy: 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 | International subscription | Lemon Squeezy | Anytime Capital | Launch offer, first 90 days |
|---|---|---|---|---|
| $10 | $1.20 | $1.00 | $0.58 | $0.55 |
| $100 | $7.50 | $5.50 | $3.05 | $2.80 |
| $1,000 | $70.50 | $50.50 | $27.80 | $25.30 |
Credit where due
What Lemon Squeezy is genuinely good for
- Indie developers and creators selling software, courses or downloads worldwide who want sales tax and VAT handled for them.
- Products that want license keys, file delivery, an affiliate program and a storefront without building them.
- Sellers already on Lemon Squeezy who plan to follow its migration path to Stripe Managed Payments.
A merchant of record for indie software
Lemon Squeezy sells your product as the merchant of record: it charges the customer, handles sales tax and VAT, screens for fraud and pays you twice a month. It added the things indie sellers need on top: license keys, file delivery, a storefront, an affiliate program and usage-based billing.
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.
Available to pay out
$248,310.42
+$31,904.18 today · 412 payments
Payouts
The surcharges add up
The headline 5% + 50¢ is for a one-off US sale. Sales outside the US add 1.5%, PayPal adds 1.5% and subscription payments add 0.5%, so an international subscription pays 7% + 50¢.
On $20,000 a month in $50 subscriptions, Lemon Squeezy's fees run from $1,300.00 if every customer is in the US to $1,600.00 if every customer is abroad. At 2.75% + 30¢, Anytime Capital Payments charges $670.00, before any international-card fee, which is shown in your dashboard before you accept a payment.
Lemon Squeezy in 2026
Stripe acquired Lemon Squeezy in July 2024. In 2026 Lemon Squeezy's own site added an update about Stripe Managed Payments, Stripe's merchant-of-record product, and its co-founder wrote that the team's goal is an easy migration path there. Lemon Squeezy still takes new sellers today, but anyone choosing it now should expect to move again.
If you are moving anyway, it is worth asking whether you need a merchant of record at all. Anytime Capital Payments is a processor that includes subscription plans with free trials, discount codes, plan changes with proration, pause and resume, usage-based meters and a customer billing portal.
Payouts twice a month, or on demand
Lemon Squeezy holds each sale for 13 days, then pays out on the 14th and the 28th, and transfers take one to five days to arrive. Payouts under $50 roll over to the next cycle.
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
Lemon Squeezy vs Anytime Capital, row by row
A green check marks the platform with the edge on that row. Anytime Capital leads on 7 of 10.
US one-off sale
- Lemon Squeezy
- 5% + 50¢
- Anytime
- 2.75% + 30¢; 2.5% + 30¢ for your first 90 days
International subscription
- Lemon Squeezy
- 7% + 50¢
- Anytime
- 2.75% + 30¢; may carry an extra fee, shown in your dashboard before you accept the payment
Global sales tax and VAT
- Lemon Squeezy
- Handled by Lemon Squeezy 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
Digital delivery
- Lemon Squeezy
- License keys, file delivery, storefront and affiliates built in
- Anytime
- Payment links, hosted checkout and webhooks to deliver from your own app
Subscriptions and usage
- Lemon Squeezy
- Subscriptions and usage-based billing
- Anytime
- Subscription plans with free trials, discount codes, plan changes with proration, pause and resume, usage-based meters and a customer billing portal
Payout speed
- Lemon Squeezy
- 13-day hold, then the 14th or 28th; $50 minimum
- 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
Who the customer buys from
- Lemon Squeezy
- Lemon Squeezy, the seller of record
- 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
- Lemon Squeezy
- API and webhooks
- 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
Stablecoins
- Lemon Squeezy
- Not offered on its pricing page
- Anytime
- USDC and USDT on payment links and invoices, paid straight to your business wallet on Ethereum or Solana (USDT also on Tron), to hold, send on the same day or sell for dollars
Business account, cards and payouts on one balance
- Lemon Squeezy
- Payouts to your bank twice a month
- 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
Lemon Squeezy in six lines
- Background
- Founded in 2021; acquired by Stripe in July 2024, and now pointing merchants toward Stripe Managed Payments.
- Payout speed
- Twice a month: sales are held 13 days, then paid on the 14th and 28th and take 1 to 5 days to arrive; $50 minimum
- Payment methods
- Cards and PayPal at a hosted checkout, for software, digital products and subscriptions
- Fraud tools
- Fraud handling included as merchant of record
- Point of sale
- None
- 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
Lemon Squeezy vs Anytime Capital: FAQ
Compare other payment processors
Where to go next
Important Disclosures
- Information about Lemon Squeezy is drawn from its own published US pricing and pages (lemonsqueezy.com/pricing, Lemon Squeezy's docs on fees and getting paid, and lemonsqueezy.com/migration-offer) as of October 2026. Prices and features change; where a figure was not published or Lemon Squeezy's pages disagreed, this page says so rather than giving a number. Check current pricing before you decide.
- Anytime Capital and Lemon Squeezy are independent companies. This page is not endorsed by, affiliated with or sponsored by Lemon Squeezy. 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.