# Anytime Capital Payments developer docs

> Docs for Anytime Capital Payments: payment links, invoices, website checkout, QR payments, payouts, the REST API, webhooks and an MCP server for AI tools.

Source: https://anytime-capital.com/docs · Markdown: https://anytime-capital.com/docs.md · All docs: https://anytime-capital.com/docs/llms-full.txt

Anytime Capital Payments lets a verified business take payments by payment link, invoice, a Pay button on its own website and QR code in person, then pay the money out from one balance. Online card payments are 2.75% + 30¢, and you can start without writing code: everything here is also in the dashboard.

> **Building with an AI assistant?** Every page here is also Markdown (add `.md` to its URL), all of them are in one file at [/docs/llms-full.txt](https://anytime-capital.com/docs/llms-full.txt), and the MCP server lets Claude and other assistants call the API directly. See [Build with AI](https://anytime-capital.com/docs/build-with-ai.md).

## Start here

- [Quickstart](https://anytime-capital.com/docs/quickstart.md): From a new account to a paid payment link and a verified webhook.
- [Checkout & website](https://anytime-capital.com/docs/checkout.md): Hosted links, the Pay button, inline checkout, your domain and branding.
- [Payment links API](https://anytime-capital.com/docs/payment-links.md): Create a checkout for any price from your backend.
- [Webhooks](https://anytime-capital.com/docs/webhooks.md): Get told about payments, refunds and disputes, and verify signatures.
- [Payouts](https://anytime-capital.com/docs/payouts.md): Every way to move your balance, and how fast.
- [Build with AI](https://anytime-capital.com/docs/build-with-ai.md): The MCP server, Markdown docs and a ready-made integration prompt.

## What you can build

- **Payment links:** a hosted checkout page for one price, made in the dashboard or with `POST /api/v1/payment-links`, shared anywhere or created per order.
- **Invoices:** line items, tax, deposits and reminders, emailed in your branding and paid by card.
- **Website checkout:** a Pay button that opens checkout over your page, or the checkout inline, in a few lines of HTML.
- **In person:** key in an amount, show a QR code, and the customer pays on their own phone. No card reader.
- **Automation:** read payments and customers, and react to payments, refunds, disputes, invoices and subscriptions by webhook.
- **AI agents:** let Claude or another assistant create links and invoices and look up payments through the MCP server.

## The API at a glance

| Topic | Detail |
| --- | --- |
| Base URL | `https://anytime-capital.com/api/v1` |
| Authentication | `Authorization: Bearer ak_live_…`, a secret key from Settings → Developers. See [Authentication](https://anytime-capital.com/docs/authentication.md). |
| Format | JSON in and out. Every object has an `object` field naming its type. |
| Money and time | Integer cents (`12500` is $125.00); ISO 8601 times in UTC. |
| Errors | `{ "error": { "code", "message" } }` with a stable code. See [Errors](https://anytime-capital.com/docs/errors.md). |
| Lists | Newest first, `limit` up to 100 (default 25) and `cursor`. See [Pagination](https://anytime-capital.com/docs/pagination.md). |
| Retries | `Idempotency-Key` on every POST, remembered 24 hours. See [Idempotency](https://anytime-capital.com/docs/idempotency.md). |
| Rate limit | 100 requests a minute per key. See [Rate limits](https://anytime-capital.com/docs/rate-limits.md). |
| Webhooks | Signed with HMAC-SHA256, retried for 24 hours. See [Webhooks](https://anytime-capital.com/docs/webhooks.md). |
| MCP server | `https://anytime-capital.com/api/mcp`, same key. See [Build with AI](https://anytime-capital.com/docs/build-with-ai.md). |

New to Anytime Capital? [Create your business account](https://anytime-capital.com/business/get-started): the API opens once your business is verified.

## Every page

### Get started

- [Quickstart](https://anytime-capital.com/docs/quickstart.md): Go 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.
- [Pricing](https://anytime-capital.com/docs/pricing.md): Anytime Capital Payments costs 2.75% + 30¢ per successful card payment, with no monthly, setup or PCI fees, and custom pricing at $1M+ a year.
- [Support](https://anytime-capital.com/docs/support.md): Reach Anytime Capital's US-based business team by phone, chat and email, with a dedicated payments team and shared Slack channel for larger businesses.

### Accept payments

- [Checkout & website](https://anytime-capital.com/docs/checkout.md): Take payments with hosted payment links, a Pay button or inline checkout on your website, your own checkout domain and your logo and brand colour.
- [In person (QR)](https://anytime-capital.com/docs/in-person.md): Take payments face to face with no card reader: key in an amount, show a QR code, and your customer pays on their own phone with Apple Pay, Google Pay or card.
- [Payment methods](https://anytime-capital.com/docs/payment-methods.md): The cards, wallets, bank payments and stablecoins Anytime Capital Payments accepts today, where each is offered, and the methods that are coming soon.
- [Fraud rules & 3D Secure](https://anytime-capital.com/docs/risk-and-3ds.md): Protect your Anytime Capital payments: block card countries, require 3D Secure above an amount, cap payment size, block high-risk scores and auto-refund alerts.

### Get paid out

- [Payout options](https://anytime-capital.com/docs/payouts.md): Move your Anytime Capital balance instantly to your business account, by RTP, FedNow, wire or ACH, over local rails in 71+ countries, or in stablecoins.

### API reference

- [Authentication](https://anytime-capital.com/docs/authentication.md): Authenticate Anytime Capital Payments API requests with a secret key as a Bearer token: create, store, rotate and revoke keys safely.
- [Errors](https://anytime-capital.com/docs/errors.md): Every Anytime Capital Payments API error has one JSON shape: a stable code to branch on and a message for people. Status codes, codes and retries.
- [Pagination](https://anytime-capital.com/docs/pagination.md): List endpoints in the Anytime Capital Payments API return the newest objects first, a page at a time. Page with limit and the opaque nextCursor.
- [Idempotency](https://anytime-capital.com/docs/idempotency.md): Send an Idempotency-Key header on every POST to the Anytime Capital Payments API so a retried request never creates a second link, invoice or email.
- [Rate limits](https://anytime-capital.com/docs/rate-limits.md): Each Anytime Capital Payments API key may make 100 requests a minute. Over that, requests answer 429 with a Retry-After header in seconds.
- [Payment links](https://anytime-capital.com/docs/payment-links.md): Create, list, retrieve, update and deactivate hosted payment links with the Anytime Capital Payments API, and prefill checkout from the link's URL.
- [Invoices](https://anytime-capital.com/docs/invoices.md): Create, list, retrieve and send invoices with the Anytime Capital Payments API. Totals are calculated for you; customers pay by card at the invoice's URL.
- [Customers](https://anytime-capital.com/docs/customers.md): List your saved customers with the Anytime Capital Payments API, newest first, or find one by email address to match payments and invoices to them.
- [Payments](https://anytime-capital.com/docs/payments.md): List and retrieve payments with the Anytime Capital Payments API: status, amounts, net after fees, payment method, customer, metadata and disputes.
- [Webhooks](https://anytime-capital.com/docs/webhooks.md): Get Anytime Capital Payments events by webhook: payments, refunds, disputes, invoices and subscriptions, signed with HMAC-SHA256 and retried for 24 hours.

### Build with AI

- [MCP server & AI tools](https://anytime-capital.com/docs/build-with-ai.md): Connect Claude and other AI tools to Anytime Capital Payments with the MCP server, give them the docs as Markdown, and paste a ready-made integration prompt.

### FAQ

- [FAQ](https://anytime-capital.com/docs/faq.md): Answers about Anytime Capital Payments: payment methods, payouts, the API and webhooks, AI and MCP integration, security, verification and pricing.

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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.