What are Paddle's fees?

5% + 50¢ per checkout transaction, with no monthly fee and custom pricing for high-volume businesses. The fee covers payments plus Paddle acting as merchant of record: sales tax and VAT, fraud and chargeback handling.

What is a merchant of record?

The company that is legally the seller of each order. It charges the customer, collects and remits sales tax or VAT, handles fraud and chargebacks, and pays the business behind the product. Paddle, Lemon Squeezy and 2Checkout's 2Monetize plan work this way; Stripe, Square and Anytime Capital are processors, and the business stays the seller.

Is Paddle cheaper than Stripe?

On the card rate alone, no: Paddle's 5% + 50¢ against Stripe's 2.9% + 30¢. Stripe's tax and billing products are priced on top of its card rate, and with Stripe you still register for and file sales tax and VAT yourself, which Paddle does for you.

When does Paddle pay out?

Monthly. Your balance becomes a payout on the 1st once it is over your threshold ($100 minimum), is sent by the 15th, and can take up to three working days to arrive. 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 Anytime Capital a merchant of record?

No. Anytime Capital Payments is a payment processor: your business is the seller, with your brand on checkout and receipts. It can add sales tax at checkout from the buyer's address, but registering, filing and remitting tax stay with you.

What is the best Paddle alternative?

If you need a merchant of record, Lemon Squeezy and 2Checkout's 2Monetize plan are the closest. If you do not, Anytime Capital Payments: 2.75% + 30¢, subscriptions with trials, discount codes, proration and usage billing, and payouts to your bank on demand.

Can I use Anytime Capital to bill a SaaS product?

Yes: subscription plans with trials, discount codes, plan changes with proration and usage-based meters, a customer billing portal, an OpenAPI-described REST API, signed webhooks and an MCP server. What it does not do is act as merchant of record.

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

Paddlevs

Paddle vs Anytime Capital

Paddle is not quite a payment processor: it is a merchant of record, the legal seller of each order, which means it handles sales tax and VAT worldwide, plus fraud and chargebacks, for 5% + 50¢ a transaction. For a software company selling to consumers in dozens of countries, that is a real service. Anytime Capital Payments is a processor: 2.75% + 30¢, your name as the seller, and payouts to your bank whenever you like instead of a monthly transfer.

2.75% + 30¢ against 5% + 50¢
Payouts on demand, not monthly
Your brand as the seller

Claim 2.5% + 30¢ for 90 days See pricing

Updated October 2026. Paddle 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 Paddle cheaper than Anytime Capital?

Per sale, no: Paddle charges 5% + 50¢ and Anytime Capital Payments charges 2.75% + 30¢, so a $100 sale costs $5.50 against $3.05, and $20,000 a month in $50 subscriptions costs $1,200.00 against $670.00. But the comparison is not like for like. Paddle's price includes being your merchant of record: it calculates, collects, files and remits sales tax and VAT around the world and takes on fraud and chargebacks. With Anytime Capital you stay the seller and handle tax yourself. If you sell to consumers in many countries, Paddle may be worth the difference; if most customers are US businesses, you are likely paying for work you do not need.

Published fees

Paddle vs Anytime Capital fees, line by line

Fee	Paddle	Anytime Capital
Online card rate	5% + 50¢ per checkout transaction, all-in	2.75% + 30¢ (2.5% + 30¢ for your first 90 days with the launch offer)
In person	None; Paddle sells software and digital products	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	Not listed separately on its pricing page	May carry an extra fee, shown in your dashboard before you accept the payment
Currency conversion	Set in its terms; not on the pricing page	May carry an extra fee, shown in your dashboard before you accept the payment
Instant payout	None; payouts are monthly	Instant, 24/7, to your Anytime Capital business account
Disputes	Handled by Paddle as merchant of record; any fee is set in its terms	Shown in your dashboard; pre-dispute alerts can refund small payments automatically
Monthly fee	$0; custom pricing at high volume	$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
Paddle

Paddle: 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	Paddle	Anytime Capital	Launch offer, first 90 days
$10	$1.00	$0.58	$0.55
$100	$5.50	$3.05	$2.80
$1,000	$50.50	$27.80	$25.30

Credit where due

What Paddle is genuinely good for

Software and digital-product companies selling to consumers in many countries, where registering for, collecting and filing VAT and sales tax everywhere is the real cost.
Founders who want someone else to be the legal seller, carrying tax, fraud and chargeback handling, for one all-in percentage.
SaaS businesses that want subscription billing, localised checkout and tax compliance from one vendor.

What a merchant of record does

When a customer buys through Paddle, Paddle is the seller of record. It charges the customer, works out and collects the right sales tax or VAT for where they are, files and remits it, screens the order for fraud and deals with chargebacks, then pays you what is left once a month. You do not have to register for VAT in Germany or GST in Australia yourself.

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 the difference costs, and buys

Take a software business doing $20,000 a month in $50 subscriptions. At 5% + 50¢, Paddle's fees are $1,200.00 a month. At 2.75% + 30¢, Anytime Capital Payments charges $670.00: $530.00 less a month, or $6,360 a year.

That gap is what Paddle charges to be the seller. Set it against what tax compliance would cost you instead: registrations, filing software or an accountant, and the time to keep up with each country's rules. For a business with buyers in the EU, the UK and Australia it can be good value; for a US business selling to US companies it usually is not.

Monthly payouts, or on demand

Paddle pays out once a month. Your balance becomes a payout on the 1st if it is over your threshold, is sent by the 15th, and can take up to three working days to land, so a sale on the 2nd of a month can wait about six weeks.

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.

Your name on the sale

Because Paddle is the seller, the order is legally a sale from Paddle, and the checkout and the customer relationship run through it.

With Anytime Capital Payments the business is the seller: your logo and colour on checkout, invoices, receipts and payment emails, served from a domain you own such as pay.yourbusiness.com. Customers, invoices and payment history live on one record in your dashboard.

Billing a software product with Anytime Capital

Anytime Capital Payments covers the billing side a SaaS company needs: subscription plans with free trials, discount codes, plan changes with proration, pause and resume, usage-based meters and a customer billing portal. For engineers, 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.

What it does not do is be the seller. Sales tax can be added at checkout from the buyer's address, but registering, filing and remitting stay with you. Payments, fees, refunds and payouts sync to QuickBooks Online or Xero, and you choose how collected sales tax posts, which helps with the filing.

Side by side

Paddle vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 6 of 12.

Category	Paddle	Our pick
Price per sale	5% + 50¢, all-in	2.75% + 30¢; 2.5% + 30¢ for your first 90 days
Global sales tax and VAT	Calculated, collected, filed and remitted by Paddle 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
Who the customer buys from	Paddle, the seller of record	Your logo and colour on checkout, invoices, receipts and payment emails, served from a domain you own such as pay.yourbusiness.com
Fraud and chargebacks	Handled by Paddle as merchant of record	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
Payout speed	Monthly, sent by the 15th; $100 minimum	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
Subscriptions	Subscription billing built in	Subscription plans with free trials, discount codes, plan changes with proration, pause and resume, usage-based meters and a customer billing portal
Monthly fee	$0	$0: no monthly, setup or PCI fees
At high volume	Custom pricing	Custom or interchange-plus pricing at $1M+ a year
Developers and AI agents	Billing API, webhooks and SDKs	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	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
Stablecoins	Not on its pricing page	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	Monthly 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

Price per sale
Paddle
5% + 50¢, all-in
Anytime
2.75% + 30¢; 2.5% + 30¢ for your first 90 days
Global sales tax and VAT
Paddle
Calculated, collected, filed and remitted by Paddle 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
Who the customer buys from
Paddle
Paddle, 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
Fraud and chargebacks
Paddle
Handled by Paddle as merchant of record
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
Payout speed
Paddle
Monthly, sent by the 15th; $100 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
Subscriptions
Paddle
Subscription billing built in
Anytime
Subscription plans with free trials, discount codes, plan changes with proration, pause and resume, usage-based meters and a customer billing portal
Monthly fee
Paddle
$0
Anytime
$0: no monthly, setup or PCI fees
At high volume
Paddle
Custom pricing
Anytime
Custom or interchange-plus pricing at $1M+ a year
Developers and AI agents
Paddle
Billing API, webhooks 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
In person
Paddle
None
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
Stablecoins
Paddle
Not 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
Paddle
Monthly 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

Paddle in six lines

Background: Founded in London in 2012; sells to software companies worldwide as their merchant of record.
Payout speed: Monthly: the balance becomes a payout on the 1st once it passes your threshold ($100 minimum), is sent by the 15th, and can take up to 3 working days to arrive
Payment methods: Cards, wallets and local payment methods at a localised checkout, for software and digital products
Fraud tools: Fraud screening and chargeback 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.

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

Paddle vs Anytime Capital: FAQ

Compare other payment processors

Where to go next

Important Disclosures

Information about Paddle is drawn from its own published US pricing and pages (paddle.com/pricing, the Paddle Master Services Agreement and Paddle's help center articles on payouts) as of October 2026. Prices and features change; where a figure was not published or Paddle's pages disagreed, this page says so rather than giving a number. Check current pricing before you decide.
Anytime Capital and Paddle are independent companies. This page is not endorsed by, affiliated with or sponsored by Paddle. 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

Paddlevs

Paddle vs Anytime Capital

2.75% + 30¢ against 5% + 50¢
Payouts on demand, not monthly
Your brand as the seller

Claim 2.5% + 30¢ for 90 days See pricing

Updated October 2026. Paddle 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 Paddle cheaper than Anytime Capital?

Published fees

Paddle vs Anytime Capital fees, line by line

Fee	Paddle	Anytime Capital
Online card rate	5% + 50¢ per checkout transaction, all-in	2.75% + 30¢ (2.5% + 30¢ for your first 90 days with the launch offer)
In person	None; Paddle sells software and digital products	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	Not listed separately on its pricing page	May carry an extra fee, shown in your dashboard before you accept the payment
Currency conversion	Set in its terms; not on the pricing page	May carry an extra fee, shown in your dashboard before you accept the payment
Instant payout	None; payouts are monthly	Instant, 24/7, to your Anytime Capital business account
Disputes	Handled by Paddle as merchant of record; any fee is set in its terms	Shown in your dashboard; pre-dispute alerts can refund small payments automatically
Monthly fee	$0; custom pricing at high volume	$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
Paddle

What one online card sale costs at each published rate
Sale	Paddle	Anytime Capital	Launch offer, first 90 days
$10	$1.00	$0.58	$0.55
$100	$5.50	$3.05	$2.80
$1,000	$50.50	$27.80	$25.30

Credit where due

What Paddle is genuinely good for

Software and digital-product companies selling to consumers in many countries, where registering for, collecting and filing VAT and sales tax everywhere is the real cost.
Founders who want someone else to be the legal seller, carrying tax, fraud and chargeback handling, for one all-in percentage.
SaaS businesses that want subscription billing, localised checkout and tax compliance from one vendor.

What a merchant of record does

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 the difference costs, and buys

Monthly payouts, or on demand

Your name on the sale

Because Paddle is the seller, the order is legally a sale from Paddle, and the checkout and the customer relationship run through it.

Billing a software product with Anytime Capital

Side by side

Paddle vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 6 of 12.

Category	Paddle	Our pick
Price per sale	5% + 50¢, all-in	2.75% + 30¢; 2.5% + 30¢ for your first 90 days
Global sales tax and VAT	Calculated, collected, filed and remitted by Paddle 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
Who the customer buys from	Paddle, the seller of record	Your logo and colour on checkout, invoices, receipts and payment emails, served from a domain you own such as pay.yourbusiness.com
Fraud and chargebacks	Handled by Paddle as merchant of record	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
Payout speed	Monthly, sent by the 15th; $100 minimum	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
Subscriptions	Subscription billing built in	Subscription plans with free trials, discount codes, plan changes with proration, pause and resume, usage-based meters and a customer billing portal
Monthly fee	$0	$0: no monthly, setup or PCI fees
At high volume	Custom pricing	Custom or interchange-plus pricing at $1M+ a year
Developers and AI agents	Billing API, webhooks and SDKs	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	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
Stablecoins	Not on its pricing page	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	Monthly 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

Price per sale
Paddle
5% + 50¢, all-in
Anytime
2.75% + 30¢; 2.5% + 30¢ for your first 90 days
Global sales tax and VAT
Paddle
Calculated, collected, filed and remitted by Paddle 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
Who the customer buys from
Paddle
Paddle, 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
Fraud and chargebacks
Paddle
Handled by Paddle as merchant of record
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
Payout speed
Paddle
Monthly, sent by the 15th; $100 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
Subscriptions
Paddle
Subscription billing built in
Anytime
Subscription plans with free trials, discount codes, plan changes with proration, pause and resume, usage-based meters and a customer billing portal
Monthly fee
Paddle
$0
Anytime
$0: no monthly, setup or PCI fees
At high volume
Paddle
Custom pricing
Anytime
Custom or interchange-plus pricing at $1M+ a year
Developers and AI agents
Paddle
Billing API, webhooks 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
In person
Paddle
None
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
Stablecoins
Paddle
Not 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
Paddle
Monthly 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

Paddle in six lines

Background: Founded in London in 2012; sells to software companies worldwide as their merchant of record.
Payout speed: Monthly: the balance becomes a payout on the 1st once it passes your threshold ($100 minimum), is sent by the 15th, and can take up to 3 working days to arrive
Payment methods: Cards, wallets and local payment methods at a localised checkout, for software and digital products
Fraud tools: Fraud screening and chargeback 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

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

Paddle vs Anytime Capital: FAQ

Compare other payment processors

Where to go next

Important Disclosures

Information about Paddle is drawn from its own published US pricing and pages (paddle.com/pricing, the Paddle Master Services Agreement and Paddle's help center articles on payouts) as of October 2026. Prices and features change; where a figure was not published or Paddle's pages disagreed, this page says so rather than giving a number. Check current pricing before you decide.
Anytime Capital and Paddle are independent companies. This page is not endorsed by, affiliated with or sponsored by Paddle. 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.

Paddle vs Anytime Capital

Is Paddle cheaper than Anytime Capital?

Paddle vs Anytime Capital fees, line by line

What a $100 online card sale costs

What Paddle is genuinely good for

What a merchant of record does

What the difference costs, and buys

Monthly payouts, or on demand

Your name on the sale

Billing a software product with Anytime Capital

Paddle vs Anytime Capital, row by row

Paddle 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

Paddle vs Anytime Capital: FAQ

What are Paddle's fees?

What is a merchant of record?

Is Paddle cheaper than Stripe?

When does Paddle pay out?

Do I need a merchant of record?

Is Anytime Capital a merchant of record?

What is the best Paddle alternative?

Can I use Anytime Capital to bill a SaaS product?

Is Anytime Capital a bank?

Compare other payment processors

Where to go next

Important Disclosures

Paddle vs Anytime Capital

Is Paddle cheaper than Anytime Capital?

Paddle vs Anytime Capital fees, line by line

What a $100 online card sale costs

What Paddle is genuinely good for

What a merchant of record does

What the difference costs, and buys

Monthly payouts, or on demand

Your name on the sale

Billing a software product with Anytime Capital

Paddle vs Anytime Capital, row by row

Paddle 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