Payment processor comparison
Stax vs Anytime Capital
Stax sells processing like a membership: card interchange at cost, 8¢ or 15¢ a transaction, and a monthly subscription from $99 that rises with your annual volume. At real volume that can beat any flat rate, ours included. Anytime Capital Payments charges 2.75% + 30¢ with no monthly fee, so a smaller business pays only when it sells, and payouts go to your bank with an instant option where eligible.
- No $99+ monthly subscription
- One rate whatever card your customer uses
- Payouts to your bank, instant where eligible
Updated October 2026. Stax figures from its published US pricing; where a figure is not published, we say so.
Available to pay out
$248,310.42
+$31,904.18 today · 412 payments
Payouts
Quick answer
Is Stax cheaper than Anytime Capital?
It depends on your volume and your customers' cards, and the arithmetic is published on both sides. Stax passes interchange and network fees through at cost and adds 15¢ per online transaction and $99 to $199+ a month. On $10,000 a month in $100 online sales, Stax costs less than the $305.00 Anytime Capital Payments charges only if those pass-through costs average under 1.91% of sales; at $50,000 a month the line moves to 2.5%. Debit-heavy businesses clear it more easily than ones whose customers pay with rewards cards. For businesses processing $1M+ a year, we quote custom or interchange-plus pricing too.
Published fees
Stax vs Anytime Capital fees, line by line
| Fee | Stax | Anytime Capital |
|---|---|---|
| Online card rate | Interchange at cost + 15¢, plus the monthly subscription | 2.75% + 30¢ (2.5% + 30¢ for your first 90 days with the launch offer) |
| In person | Interchange at cost + 8¢, plus the monthly subscription | Customers scan and tap to pay on their own phone; no terminal to buy or rent |
| ACH bank payments | 1%, capped at $10 | ACH bank debit on payment links and invoices; current rate on the pricing page |
| International cards | Interchange passes through at cost | May carry an extra fee, shown in your dashboard before you accept the payment |
| Currency conversion | Not published | May carry an extra fee, shown in your dashboard before you accept the payment |
| Instant payout | Same-day funding for a fee (not published); next business day standard | Instant, 24/7, to your Anytime Capital business account |
| Disputes | Not published | Shown in your dashboard; pre-dispute alerts can refund small payments automatically |
| Monthly fee | $99 up to $150,000 a year, $139 to $250,000, $199+ above | $0: no monthly, setup or PCI fees |
US pricing as of October 2026. “Not published” and “quote-only” mean no official figure was found, not that the fee is zero.
Pricing model
Stax does not publish a flat US rate
Stax: Interchange at cost + 15¢, plus the monthly subscription. There is no published number to chart against ours, so compare a written quote line by line with Anytime Capital Payments's 2.75% + 30¢ (2.5% + 30¢ for your first 90 days), which is $3.05 on a $100 sale.
Credit where due
What Stax is genuinely good for
- Established businesses with enough volume that interchange at cost plus 8¢ or 15¢ beats a flat rate even after $99 to $199 a month.
- Businesses whose customers pay mostly with debit cards from large banks, whose regulated interchange passes straight through.
- Merchants who want a fixed, predictable markup with no long-term contract or cancellation fee, per Stax.
Interchange at cost, and a subscription on top
Every card payment carries interchange, paid to the bank that issued the card, plus card-network fees. Stax passes both through with no percentage markup and earns its money from a per-transaction fee (8¢ in person, 15¢ online) and a monthly subscription: $99 up to $150,000 a year in processing, $139 up to $250,000, and from $199 above that.
The model rewards volume and cheap cards. A regulated debit card from a large bank carries far less interchange than a premium rewards card or a business card, and with Stax you keep the whole difference.
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
Where the break-even sits
Because Stax publishes everything except interchange, you can work out the card mix it needs to beat a flat rate. Take $100 online sales. Each line below is the average pass-through cost, as a share of sales, under which a month with Stax costs less than a month with Anytime Capital Payments at 2.75% + 30¢.
Your statement from any processor shows your own blended interchange. Compare it with the line for your volume.
- $10,000 a month on the $99 plan: Stax wins below 1.91% (we charge $305.00)
- $20,000 a month on the $139 plan: Stax wins below 2.21% (we charge $610.00)
- $50,000 a month on the $199 plan: Stax wins below 2.5% (we charge $1,525.00)
What a flat rate buys instead
With 2.75% + 30¢, a month of premium rewards cards costs the same as a month of debit cards, and a slow month costs nothing to keep the account open. There is no subscription to pay when sales dip, and the price of a sale is known before it happens.
The launch offer brings it to 2.5% + 30¢ for your first 90 days, and for businesses processing $1M+ a year we quote custom or interchange-plus pricing on your real card mix, with a shared Slack channel and a named account manager.
ACH, where Stax publishes a cap
Stax charges 1% for ACH, capped at $10, which makes large invoices paid by bank inexpensive. Anytime Capital Payments accepts ACH bank debit on payment links and invoices too; its current rate is on the pricing page.
Funding and everything after
Stax funds the next business day as standard and offers same-day funding for a fee it does not publish. 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.
Recurring billing comes built in rather than as a separate product: subscription plans with free trials, discount codes, plan changes with proration, pause and resume, usage-based meters and a customer billing portal. Every payment, fee, refund and payout also syncs to QuickBooks Online or Xero on its own.
Side by side
Stax vs Anytime Capital, row by row
A green check marks the platform with the edge on that row. Anytime Capital leads on 3 of 12.
Pricing model
- Stax
- Interchange at cost + a per-transaction fee + a monthly subscription
- Anytime
- 2.75% + 30¢ flat; 2.5% + 30¢ for your first 90 days
Monthly fee
- Stax
- $99, $139 or $199+ by annual volume
- Anytime
- $0: no monthly, setup or PCI fees
Online transaction fee
- Stax
- Interchange + 15¢
- Anytime
- 2.75% + 30¢
In person
- Stax
- Interchange + 8¢ on Stax terminals
- 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
At high volume
- Stax
- Can beat any flat rate once volume covers the subscription
- Anytime
- Custom or interchange-plus pricing at $1M+ a year
Predictability
- Stax
- Varies with your customers' card mix each month
- Anytime
- One rate, 2.75% + 30¢, whatever the card
ACH
- Stax
- 1%, capped at $10
- Anytime
- ACH bank debit on payment links and invoices; current rate on the pricing page
Contract
- Stax
- No long-term contract or cancellation fee, per Stax
- Anytime
- No monthly fee or minimum volume
Payout speed
- Stax
- Next business day; same-day for a fee
- 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; instant priced before you confirm
Subscriptions
- Stax
- Stax Bill for recurring billing and invoicing
- Anytime
- Subscription plans with free trials, discount codes, plan changes with proration, pause and resume, usage-based meters and a customer billing portal
Fraud tools
- Stax
- Not published with pricing
- 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
Business account, cards and payouts on one balance
- Stax
- Processing; banking from other providers
- Anytime
- Payments, an Anytime Capital business account, employee cards, global payouts in 71+ countries and crypto and stablecoin liquidity on one balance
At a glance
Stax in six lines
- Background
- Founded in Orlando in 2014 as Fattmerchant and renamed Stax in 2020.
- Payout speed
- Next-business-day funding as standard; same-day funding for a fee Stax does not publish
- Payment methods
- Cards and ACH, online, in person and on mobile; Stax Bill for recurring billing and invoicing
- Fraud tools
- Not published on the pricing page
- Point of sale
- Terminals and mobile readers; terminal protection plan $19 a month
- 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
Stax vs Anytime Capital: FAQ
Compare other payment processors
Where to go next
Important Disclosures
- Information about Stax is drawn from its own published US pricing and pages (staxpayments.com/pricing, Stax's blog on funding and contracts, and ERP Research's Stax company profile) as of October 2026. Prices and features change; where a figure was not published or Stax's pages disagreed, this page says so rather than giving a number. Check current pricing before you decide.
- Anytime Capital and Stax are independent companies. This page is not endorsed by, affiliated with or sponsored by Stax. 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.