Ramp · payment processingUpdated October 2026

Does Ramp have payment processing?

Ramp is a spend-management and accounts-payable platform: corporate cards, bill pay, procurement and receipt matching, with banking through First Internet Bank of Indiana. Here is exactly what it does and does not do when a customer wants to pay you, and what changes when your bank account takes the payment itself.

Open a business account See pricing

More about Ramp

Does Ramp support crypto Ramp international payments, compared with local rails in 71 countries Ramp fees and pricing in 2026, compared The Ramp alternative with payment processing and crypto built in Ramp and Stripe, or one account

Business

•••• •••• •••• 4821

Cardholder

Maya Chen

Payout delivered€8,420.00 · SEPA Instant · 9s

3D Secure confirmed $384.00 approved · paid out

countries paid in local currency: 71countries paid in local currency
payout currencies: 38payout currencies
per card or wallet payment: 2.75% + 30¢per card or wallet payment
instant payouts to your account: 24/7instant payouts to your account

The short answer

Does Ramp have payment processing?

Ramp: No
Anytime Capital: Yes, at 2.75% + 30¢

No. Ramp automates the money going out. We found no card-acquiring product, so a company that sells pays a separate processor, waits on its payouts, and only then has the money in the account Ramp's cards and bills draw on. Anytime Capital processes cards, Apple Pay, Google Pay and ACH at 2.75% + 30¢, below Stripe's published 2.9% + 30¢, and pays out instantly into the same business bank account your employee cards run on.

Open a business account Ramp vs Anytime Capital, in full

Payment processing: Ramp and Anytime Capital, side by side

Row by row, from Ramp's own published pages and ours.

Category	Ramp	Anytime Capital
Take card payments	No card-acquiring product found	Built in: cards, Apple Pay, Google Pay and ACH at 2.75% + 30¢ (2.5% + 30¢ for your first 90 days), paid out instantly into your Anytime Capital bank account
Rate on a $100 sale	Not offered; a separate processor such as Stripe at 2.9% + 30¢ ($3.20 on $100)	2.75% + 30¢: $3.05 on $100
Apple Pay and Google Pay	Through a separate processor	On every checkout, link, invoice and in person
Payment links, invoices and subscriptions	Through a separate processor	Payment links, branded invoices, subscriptions and a customer billing portal
Checkout on your website	Through a separate processor	A Pay button, the checkout inline, or hosted checkout on your own domain
3D Secure and risk rules	Set at the processor you use	3D Secure above an amount you choose; block card countries, cap amounts, decline high-risk scores
When the money is spendable	After the processor's payout reaches the account	Instantly, nights and weekends included, in the account your cards run on

Ramp capabilities reflect publicly available information as of October 2026.

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.

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

There's no better place to bank than Anytime Capital.

A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.

Open a business account Read the docs Visit a branch

In detail

Does Ramp have payment processing, in detail

What Ramp is built for instead

Ramp's strength is accounts payable, procurement, receipt matching and spend insight, automated to a high standard. Ramp's banking services are provided by First Internet Bank of Indiana, with extra coverage through a deposit sweep. None of that is a reason to leave it if it is working for you.

What it does not do is take a customer's payment into the account. Ramp automates the money going out. We found no card-acquiring product, so a company that sells pays a separate processor, waits on its payouts, and only then has the money in the account Ramp's cards and bills draw on.

What a business that sells actually needs from processing

A rate you can read (2.75% + 30¢ per card or wallet payment, no monthly, setup or PCI fee), every way customers want to pay (Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and ACH), and every way you sell: payment links by text or email, branded invoices with reminders, subscriptions, a Pay button or the full checkout on your website, and a QR code at the counter.

Then control: 3D Secure on payments above an amount you choose, which usually moves fraud-dispute liability to the card issuer; card countries you block; a maximum per payment; and high-risk scores declined before the card is charged. All of it is in Settings → Risk, and all of it is in the API docs.

Ramp plus a processor, or one account

With Ramp, a sale goes through a processor (Stripe publishes 2.9% + 30¢), sits on that processor's payout schedule, and lands in Ramp days later. Stripe's Instant Payouts cost 1.5% of each payout.

With Anytime Capital the processor and the bank account are the same product: the sale settles into the balance your employee cards, bill payments and payouts to 71+ countries draw on, with no payout fee in between. Companies with heavy AP workflows often keep Ramp for approvals and procurement and use Anytime Capital for getting paid, paying abroad and crypto.

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

Payment processing: Ramp FAQ

Does Ramp accept credit card payments?

No card-acquiring product found. Anytime Capital accepts cards, Apple Pay, Google Pay and ACH at 2.75% + 30¢.

Is Anytime Capital cheaper than Stripe?

On standard US online card pricing, yes: 2.75% + 30¢ against Stripe's published 2.9% + 30¢, or $3.05 against $3.20 on a $100 sale, and new businesses pay 2.5% + 30¢ for their first 90 days. Neither charges a monthly fee.

Can I take payments without a website?

Yes. Send a payment link by text, email or DM, email an invoice, or show a QR code at the counter that the customer pays on their own phone.

How fast do card payments reach the account?

Instantly. Settled sales land in your Anytime Capital bank account, nights and weekends included, already spendable on employee cards and ready to pay out on any rail.

Can my developers or AI agent set it up?

Yes. The REST API, signed webhooks and the docs' copy-paste examples cover payment links, invoices and checkout, and the MCP server lets Claude, Cursor and other AI agents create payment links and send invoices with a key you can revoke.

Is Anytime Capital a bank?

No. Anytime Capital is a fintech company, not a bank. Banking, card, payment processing and payout services are provided by Anytime Capital's licensed partners.

The same question about other platforms

Ramp vs Anytime Capital by company type

Explore More

Important Disclosures

Information about Ramp is based on publicly available data as of October 2026. Features, policies and product availability may have changed since.
This comparison is provided for informational purposes and does not constitute financial, investment, tax, or legal advice.
Anytime Capital and Ramp are independent companies. This page is not endorsed by, affiliated with, or sponsored by Ramp. All third-party names, logos and trademarks are the property of their respective owners and are used here only to identify the company being compared or the services we work with.
Cryptocurrency is not FDIC insured and its value can fall as well as rise. Digital assets are not deposits.
Identity and business verification are required to open an account. Additional review may be required for certain transaction types or volumes.
Dashboard screenshots show a demonstration business with sample data.
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.

Does Ramp have payment processing?

Ramp

Anytime Capital

Yes, at 2.75% + 30¢

Payment processing: Ramp and Anytime Capital, side by side

Row by row, from Ramp's own published pages and ours.

Category	Ramp	Anytime Capital
Take card payments	No card-acquiring product found	Built in: cards, Apple Pay, Google Pay and ACH at 2.75% + 30¢ (2.5% + 30¢ for your first 90 days), paid out instantly into your Anytime Capital bank account
Rate on a $100 sale	Not offered; a separate processor such as Stripe at 2.9% + 30¢ ($3.20 on $100)	2.75% + 30¢: $3.05 on $100
Apple Pay and Google Pay	Through a separate processor	On every checkout, link, invoice and in person
Payment links, invoices and subscriptions	Through a separate processor	Payment links, branded invoices, subscriptions and a customer billing portal
Checkout on your website	Through a separate processor	A Pay button, the checkout inline, or hosted checkout on your own domain
3D Secure and risk rules	Set at the processor you use	3D Secure above an amount you choose; block card countries, cap amounts, decline high-risk scores
When the money is spendable	After the processor's payout reaches the account	Instantly, nights and weekends included, in the account your cards run on

Ramp capabilities reflect publicly available information as of October 2026.

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" } }'

Does Ramp have payment processing, in detail