What are Wave's payment processing fees?

2.9% + 60¢ per card payment for Visa, Mastercard and Discover, 3.4% + 60¢ for American Express and 1% for ACH bank payments ($1 minimum). On Pro ($19 a month), the first ten card payments each month skip the 60¢. Instant Payouts cost 1% of the amount.

How long do Wave payouts take?

In the US, card payments arrive in 2 business days and bank payments in 2 to 7, per Wave's help center. Anytime Capital pays out to your bank on demand or on a schedule, with instant payouts where your account and bank are eligible.

Is Wave cheaper than Stripe?

No, for card payments: Wave's 2.9% + 60¢ has the same percentage as Stripe's 2.9% + 30¢ and twice the fixed fee. Wave's accounting software is free; Stripe's invoicing is priced separately.

Is Wave Pro worth it for payments?

Not for payments alone: Pro waives the 60¢ on the first ten card payments each month, a saving of at most $6.00, against a $19 subscription. Pro is worth it for its accounting features, such as bank connections.

Does Wave take in-person payments?

Wave's payments are built around invoices, and its payments pages offer no card reader. Anytime Capital Payments takes in-person payments with no hardware: the customer scans a code and pays on their own phone.

What is the best Wave payments alternative?

Anytime Capital Payments: 2.75% + 30¢ for every card, branded invoices with reminders and deposits, payment links and subscriptions, payouts to your bank, and sync to QuickBooks Online or Xero.

H&R Block, which bought Wave Financial in 2019. Wave was founded in Toronto in 2010.

Can I keep Wave for accounting and use Anytime Capital for payments?

You can take payments with Anytime Capital and record them in Wave by hand or from the CSV exports in Reports. Automatic sync is available for QuickBooks Online and Xero.

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

Wavevs

Wave vs Anytime Capital

Wave gives very small businesses free invoicing and accounting, and its card payments are the price of that convenience: 2.9% + 60¢ for Visa, Mastercard and Discover and 3.4% + 60¢ for Amex, with card payments arriving in two business days. Anytime Capital Payments charges 2.75% + 30¢ for every card, pays out to your bank with an instant option where eligible, and syncs to QuickBooks Online or Xero.

2.75% + 30¢ against 2.9% + 60¢
One rate for Amex too
Payouts to your bank, instant where eligible

Claim 2.5% + 30¢ for 90 days See pricing

Updated October 2026. Wave 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 Wave cheaper than Anytime Capital?

For card payments, no. Wave charges 2.9% + 60¢ for Visa, Mastercard and Discover and 3.4% + 60¢ for Amex, against Anytime Capital Payments at 2.75% + 30¢ for every card: on a $100 invoice, $3.50 ($4.00 on Amex) against $3.05, and on a $10 one, $0.89 against $0.58. The exception is Wave Pro ($19 a month), whose first ten card payments each month skip the 60¢. Wave's real advantage is free accounting software; if you need that and send a handful of invoices a month, it is a sensible bundle.

Published fees

Wave vs Anytime Capital fees, line by line

Fee	Wave	Anytime Capital
Online card rate	2.9% + 60¢ Visa, Mastercard and Discover; 3.4% + 60¢ Amex	2.75% + 30¢ (2.5% + 30¢ for your first 90 days with the launch offer)
In person	No card reader on Wave's payments pages	Customers scan and tap to pay on their own phone; no terminal to buy or rent
ACH bank payments	1% ($1 minimum)	ACH bank debit on payment links and invoices; current rate on the pricing page
International cards	Not published	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	1% of the amount	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	$0 Starter; Pro $19/month ($190/year), with the 60¢ waived on the first 10 card payments a month	$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
Wave

Wave: 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	Wave Amex	Wave Visa, Mastercard	Anytime Capital	Launch offer, first 90 days
$10	$0.94	$0.89	$0.58	$0.55
$100	$4.00	$3.50	$3.05	$2.80
$1,000	$34.60	$29.60	$27.80	$25.30

Credit where due

What Wave is genuinely good for

Freelancers and very small businesses that want free invoicing and bookkeeping software, with card payments built into the invoice.
Wave Pro subscribers sending up to ten card invoices a month, which skip the 60¢ fixed fee.
US and Canadian businesses that want accounting, invoicing and payments from one inexpensive vendor.

Free software, paid by the payments

Wave's Starter plan gives a small business invoicing, estimates and bookkeeping for nothing, and Pro adds bank connections and more for $19 a month. The trade is in the payments: a 60¢ fixed fee on every card payment, where most flat-rate processors charge about 30¢.

For a freelancer sending a few invoices a month, the convenience of one free tool can outweigh a few dollars of fees. As volume grows, the fees become the larger cost.

Balance · Anytime Capital Payments

Available to pay out

$248,310.42

+$31,904.18 today · 412 payments

Instant where eligible

Your bankBusiness accountRTP & FedNowWireACH to vendors71+ countriesUSDC & USDTCryptoEmployee cards

Payouts

Payouts leaving an Anytime Capital Payments balance for the business's own bank, standard or instant where eligible. Illustrative product view.

The 60¢ fixed fee, sale by sale

A fixed fee hurts most on small payments. At 2.9% + 60¢, a $10 payment costs $0.89, almost 9% of it. At 2.75% + 30¢ it costs $0.58. On large invoices the percentage matters more, and Wave's Amex rate of 3.4% adds half a point on every Amex payment.

$10: $0.89 on Wave ($0.94 Amex), $0.58 with Anytime Capital Payments
$100: $3.50 on Wave ($4.00 Amex), $3.05 with Anytime Capital Payments
$1,000: $29.60 on Wave ($34.60 Amex), $27.80 with Anytime Capital Payments

Payout timing

Wave pays US card payments out in two business days and bank payments in two to seven, and Instant Payouts cost 1% of the amount. 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.

Invoices, and what comes after them

Anytime Capital Payments sends branded invoices with reminders, deposits and partial payments, plus payment links, email checkout and subscription plans with free trials, discount codes, plan changes with proration, pause and resume, usage-based meters and a customer billing portal. In person, 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.

It does not replace accounting software, but it syncs to two: every payment, fee, refund and payout posts to QuickBooks Online or Xero on its own. If you are moving off Wave's books as well as its payments, those are the two it connects to.

Side by side

Wave vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 7 of 11.

Category	Wave	Our pick
Card payments	2.9% + 60¢ Visa, Mastercard and Discover	2.75% + 30¢; 2.5% + 30¢ for your first 90 days
American Express	3.4% + 60¢	2.75% + 30¢, the same as every card
ACH bank payments	1% ($1 minimum)	ACH bank debit on payment links and invoices; current rate on the pricing page
Monthly fee	$0 Starter; Pro $19/month waives the 60¢ on 10 card payments a month	$0: no monthly, setup or PCI fees
Accounting software	Free invoicing and bookkeeping built in	QuickBooks Online and Xero sync: every payment, fee, refund and payout posts to your books on its own
Payout speed	2 business days for cards, 2 to 7 for bank payments; Instant Payouts 1%	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
In person	No card reader	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
Subscriptions	Recurring invoices	Subscription plans with free trials, discount codes, plan changes with proration, pause and resume, usage-based meters and a customer billing portal
Payment links and online checkout	Payments are taken on Wave invoices	Payment links, email checkout and hosted checkout on your own domain, in your brand
Fraud tools	Wave's own risk review	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	Deposits to your bank	Payments, an Anytime Capital business account, employee cards, global payouts in 71+ countries and crypto and stablecoin liquidity on one balance

Card payments
Wave
2.9% + 60¢ Visa, Mastercard and Discover
Anytime
2.75% + 30¢; 2.5% + 30¢ for your first 90 days
American Express
Wave
3.4% + 60¢
Anytime
2.75% + 30¢, the same as every card
ACH bank payments
Wave
1% ($1 minimum)
Anytime
ACH bank debit on payment links and invoices; current rate on the pricing page
Monthly fee
Wave
$0 Starter; Pro $19/month waives the 60¢ on 10 card payments a month
Anytime
$0: no monthly, setup or PCI fees
Accounting software
Wave
Free invoicing and bookkeeping built in
Anytime
QuickBooks Online and Xero sync: every payment, fee, refund and payout posts to your books on its own
Payout speed
Wave
2 business days for cards, 2 to 7 for bank payments; Instant Payouts 1%
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
In person
Wave
No card reader
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
Subscriptions
Wave
Recurring invoices
Anytime
Subscription plans with free trials, discount codes, plan changes with proration, pause and resume, usage-based meters and a customer billing portal
Payment links and online checkout
Wave
Payments are taken on Wave invoices
Anytime
Payment links, email checkout and hosted checkout on your own domain, in your brand
Fraud tools
Wave
Wave's own risk review
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
Wave
Deposits 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

Wave in six lines

Background: Founded in Toronto in 2010; owned by H&R Block since 2019. Serves US and Canadian businesses.
Payout speed: US card payments in 2 business days and bank payments in 2 to 7; Instant Payouts for 1% of the amount
Payment methods: Visa, Mastercard, Discover (US) and American Express, and ACH bank payments, on Wave invoices
Fraud tools: Not published; every payment is subject to Wave's risk review
Point of sale: None; Wave payments are built around invoices
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

Wave vs Anytime Capital: FAQ

Compare other payment processors

Where to go next

Important Disclosures

Information about Wave is drawn from its own published US pricing and pages (waveapps.com/payments and /pricing, and Wave's help center articles on processing fees, payout timelines and Instant Payouts) as of October 2026. Prices and features change; where a figure was not published or Wave's pages disagreed, this page says so rather than giving a number. Check current pricing before you decide.
Anytime Capital and Wave are independent companies. This page is not endorsed by, affiliated with or sponsored by Wave. 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

Wavevs

Wave vs Anytime Capital

2.75% + 30¢ against 2.9% + 60¢
One rate for Amex too
Payouts to your bank, instant where eligible

Claim 2.5% + 30¢ for 90 days See pricing

Updated October 2026. Wave 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 Wave cheaper than Anytime Capital?

Published fees

Wave vs Anytime Capital fees, line by line

Fee	Wave	Anytime Capital
Online card rate	2.9% + 60¢ Visa, Mastercard and Discover; 3.4% + 60¢ Amex	2.75% + 30¢ (2.5% + 30¢ for your first 90 days with the launch offer)
In person	No card reader on Wave's payments pages	Customers scan and tap to pay on their own phone; no terminal to buy or rent
ACH bank payments	1% ($1 minimum)	ACH bank debit on payment links and invoices; current rate on the pricing page
International cards	Not published	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	1% of the amount	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	$0 Starter; Pro $19/month ($190/year), with the 60¢ waived on the first 10 card payments a month	$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
Wave

What one online card sale costs at each published rate
Sale	Wave Amex	Wave Visa, Mastercard	Anytime Capital	Launch offer, first 90 days
$10	$0.94	$0.89	$0.58	$0.55
$100	$4.00	$3.50	$3.05	$2.80
$1,000	$34.60	$29.60	$27.80	$25.30

Credit where due

What Wave is genuinely good for

Freelancers and very small businesses that want free invoicing and bookkeeping software, with card payments built into the invoice.
Wave Pro subscribers sending up to ten card invoices a month, which skip the 60¢ fixed fee.
US and Canadian businesses that want accounting, invoicing and payments from one inexpensive vendor.

Free software, paid by the payments

For a freelancer sending a few invoices a month, the convenience of one free tool can outweigh a few dollars of fees. As volume grows, the fees become the larger cost.

Balance · Anytime Capital Payments

Available to pay out

$248,310.42

+$31,904.18 today · 412 payments

Instant where eligible

Your bankBusiness accountRTP & FedNowWireACH to vendors71+ countriesUSDC & USDTCryptoEmployee cards

Payouts

Payouts leaving an Anytime Capital Payments balance for the business's own bank, standard or instant where eligible. Illustrative product view.

The 60¢ fixed fee, sale by sale

$10: $0.89 on Wave ($0.94 Amex), $0.58 with Anytime Capital Payments
$100: $3.50 on Wave ($4.00 Amex), $3.05 with Anytime Capital Payments
$1,000: $29.60 on Wave ($34.60 Amex), $27.80 with Anytime Capital Payments

Payout timing

Invoices, and what comes after them

Side by side

Wave vs Anytime Capital, row by row

A green check marks the platform with the edge on that row. Anytime Capital leads on 7 of 11.

Category	Wave	Our pick
Card payments	2.9% + 60¢ Visa, Mastercard and Discover	2.75% + 30¢; 2.5% + 30¢ for your first 90 days
American Express	3.4% + 60¢	2.75% + 30¢, the same as every card
ACH bank payments	1% ($1 minimum)	ACH bank debit on payment links and invoices; current rate on the pricing page
Monthly fee	$0 Starter; Pro $19/month waives the 60¢ on 10 card payments a month	$0: no monthly, setup or PCI fees
Accounting software	Free invoicing and bookkeeping built in	QuickBooks Online and Xero sync: every payment, fee, refund and payout posts to your books on its own
Payout speed	2 business days for cards, 2 to 7 for bank payments; Instant Payouts 1%	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
In person	No card reader	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
Subscriptions	Recurring invoices	Subscription plans with free trials, discount codes, plan changes with proration, pause and resume, usage-based meters and a customer billing portal
Payment links and online checkout	Payments are taken on Wave invoices	Payment links, email checkout and hosted checkout on your own domain, in your brand
Fraud tools	Wave's own risk review	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	Deposits to your bank	Payments, an Anytime Capital business account, employee cards, global payouts in 71+ countries and crypto and stablecoin liquidity on one balance

Card payments
Wave
2.9% + 60¢ Visa, Mastercard and Discover
Anytime
2.75% + 30¢; 2.5% + 30¢ for your first 90 days
American Express
Wave
3.4% + 60¢
Anytime
2.75% + 30¢, the same as every card
ACH bank payments
Wave
1% ($1 minimum)
Anytime
ACH bank debit on payment links and invoices; current rate on the pricing page
Monthly fee
Wave
$0 Starter; Pro $19/month waives the 60¢ on 10 card payments a month
Anytime
$0: no monthly, setup or PCI fees
Accounting software
Wave
Free invoicing and bookkeeping built in
Anytime
QuickBooks Online and Xero sync: every payment, fee, refund and payout posts to your books on its own
Payout speed
Wave
2 business days for cards, 2 to 7 for bank payments; Instant Payouts 1%
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
In person
Wave
No card reader
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
Subscriptions
Wave
Recurring invoices
Anytime
Subscription plans with free trials, discount codes, plan changes with proration, pause and resume, usage-based meters and a customer billing portal
Payment links and online checkout
Wave
Payments are taken on Wave invoices
Anytime
Payment links, email checkout and hosted checkout on your own domain, in your brand
Fraud tools
Wave
Wave's own risk review
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
Wave
Deposits 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

Wave in six lines

Background: Founded in Toronto in 2010; owned by H&R Block since 2019. Serves US and Canadian businesses.
Payout speed: US card payments in 2 business days and bank payments in 2 to 7; Instant Payouts for 1% of the amount
Payment methods: Visa, Mastercard, Discover (US) and American Express, and ACH bank payments, on Wave invoices
Fraud tools: Not published; every payment is subject to Wave's risk review
Point of sale: None; Wave payments are built around invoices
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

Wave vs Anytime Capital: FAQ

Compare other payment processors

Where to go next

Important Disclosures

Information about Wave is drawn from its own published US pricing and pages (waveapps.com/payments and /pricing, and Wave's help center articles on processing fees, payout timelines and Instant Payouts) as of October 2026. Prices and features change; where a figure was not published or Wave's pages disagreed, this page says so rather than giving a number. Check current pricing before you decide.
Anytime Capital and Wave are independent companies. This page is not endorsed by, affiliated with or sponsored by Wave. 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.

Wave vs Anytime Capital

Is Wave cheaper than Anytime Capital?

Wave vs Anytime Capital fees, line by line

What a $100 online card sale costs

What Wave is genuinely good for

Free software, paid by the payments

The 60¢ fixed fee, sale by sale

Payout timing

Invoices, and what comes after them

Wave vs Anytime Capital, row by row

Wave 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

Wave vs Anytime Capital: FAQ

What are Wave's payment processing fees?

How long do Wave payouts take?

Is Wave cheaper than Stripe?

Is Wave Pro worth it for payments?

Does Wave take in-person payments?

What is the best Wave payments alternative?

Who owns Wave?

Can I keep Wave for accounting and use Anytime Capital for payments?

Is Anytime Capital a bank?

Compare other payment processors

Where to go next

Important Disclosures

Wave vs Anytime Capital

Is Wave cheaper than Anytime Capital?

Wave vs Anytime Capital fees, line by line

What a $100 online card sale costs

What Wave is genuinely good for

Free software, paid by the payments

The 60¢ fixed fee, sale by sale

Payout timing

Invoices, and what comes after them

Wave vs Anytime Capital, row by row

Wave 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