Ramp + StripeUpdated October 2026

Ramp and Stripe, or one account?

Ramp takes no card payments, so businesses that sell pair it with a processor, most often Stripe. Here is what that pairing costs and how long the money takes, against one account that does both.

Open a business account See pricing

More about Ramp

Does Ramp have payment processing 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

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

Do I need Stripe with Ramp?

Ramp: Needs a processor
Anytime Capital: Both in one account

If you take card payments, yes: 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 is the processor and the bank account at once: 2.75% + 30¢ against Stripe's 2.9% + 30¢, with sales settling instantly into the account your cards and payouts run on.

Open a business account Ramp vs Anytime Capital, in full

Ramp and Stripe: Ramp and Anytime Capital, side by side

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

Category	Ramp	Anytime Capital
Card rate	Stripe: 2.9% + 30¢	2.75% + 30¢ (2.5% + 30¢ for 90 days)
On a $100 sale	$3.20	$3.05
Payouts	Stripe's schedule: 2 days for many lower-risk US businesses after a 7-day first payout; Instant Payouts at 1.5%	Instantly into the account, nights and weekends, no payout fee
Where the money lands	Ramp, after the payout	The same balance your cards, bills and global payouts use
Reconciliation	Two dashboards and a payout per batch to match	One ledger; QuickBooks and Xero exports with fees as their own lines
AI agents	Separate setups per product	One MCP server for payments, links, invoices and customers

Ramp capabilities reflect publicly available information as of October 2026.

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.

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

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

Ramp and Stripe, or one account, in detail

The Ramp + Stripe setup

Ramp's strength is accounts payable, procurement, receipt matching and spend insight, automated to a high standard. Stripe's is payments, and it earned that: the broadest API and ecosystem in the business. Together they work, at a cost: Stripe's published 2.9% + 30¢ on every card payment, a payout schedule between the sale and Ramp, and 1.5% of each payout if you want the money sooner.

One account instead

Anytime Capital processes the payment and holds the money: 2.75% + 30¢ per card or wallet payment, sales settled into your bank account instantly, and from there employee cards, bill payments, payouts on local rails in 71+ countries and stablecoin transfers, with no transfer between providers.

Stripe is still the better choice if you rely on its depth: Connect for marketplaces, Billing for complex subscriptions, Terminal hardware. For everything else, the arithmetic is simple: at $50,000 a month in $100 sales, $1,450.30 a month at Stripe's published rate against $1,375.30 here.

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

Ramp and Stripe: Ramp FAQ

Does Ramp work with Stripe?

Stripe pays out to a business bank account, including a Ramp account. Ramp itself takes no card payments.

Is Anytime Capital cheaper than Stripe?

On standard US online card pricing, yes: 2.75% + 30¢ against 2.9% + 30¢, and no fee to be paid instantly.

Can I move from Stripe without rebuilding my site?

Swap your Stripe Payment Links and buttons for Anytime Capital payment links and the Pay button snippet, or integrate the REST API with the docs' copy-paste examples or the AI integration prompt.

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.

Do I need Stripe with Ramp?

Ramp

Needs a processor

Anytime Capital

Both in one account

Ramp and Stripe: Ramp and Anytime Capital, side by side

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

Category	Ramp	Anytime Capital
Card rate	Stripe: 2.9% + 30¢	2.75% + 30¢ (2.5% + 30¢ for 90 days)
On a $100 sale	$3.20	$3.05
Payouts	Stripe's schedule: 2 days for many lower-risk US businesses after a 7-day first payout; Instant Payouts at 1.5%	Instantly into the account, nights and weekends, no payout fee
Where the money lands	Ramp, after the payout	The same balance your cards, bills and global payouts use
Reconciliation	Two dashboards and a payout per batch to match	One ledger; QuickBooks and Xero exports with fees as their own lines
AI agents	Separate setups per product	One MCP server for payments, links, invoices and customers

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" } }'

Ramp and Stripe, or one account, in detail