Who can use Anytime Capital Payments?

Businesses with an Anytime Capital business account that have passed verification (KYB). Create your account, then finish verification in Settings → Verification. The API answers 403 NOT_ENROLLED until your business is set up for card payments.

Payments & API FAQ | Anytime Capital Docs

Q: What happens when a customer disputes a payment?

You receive dispute.opened, the payment's status becomes disputed, and you respond from Disputes in the dashboard. You can also have pre-dispute alerts refunded automatically, up to a limit you set, in Settings → Risk. See Fraud rules & 3D Secure.

Taking payments

What can my customers pay with?

Cards, Apple Pay and Google Pay on every checkout, and bank account (ACH) on payment links and invoices once you turn it on in Settings → Payments. Customers can also pay USDC or USDT to your business wallet through a stablecoin payment request. Pay later (Klarna, Afterpay, Affirm), Cash App Pay and PayPal are coming soon and aren't offered at checkout yet. Details are on Payment methods.

Do I need a website or developers to take payments?

No. Make a payment link or an invoice in the dashboard and share it by text, email, DM or QR code, or take a payment in person with a QR code. The API, webhooks and website Pay button are there when you want to automate.

How large can a single payment be?

A payment link takes $1.00 to $10,000.00; an invoice can total $1.00 to $100,000.00. You can set a lower maximum of your own in Settings → Risk.

Can I take payments in person without a card reader?

Yes. In Checkout tools → Collect in person, key in the amount and show the QR code; your customer scans it and pays on their own phone with Apple Pay, Google Pay or their card. Your screen shows Paid when it goes through. See In person.

Can checkout use my own domain and brand?

Yes. Upload your logo and pick your brand colour in Settings → Branding & receipts, and connect a subdomain such as pay.yourbusiness.com in Settings → Domains. Payment links, invoices and receipts then open on your domain, in your branding. See Checkout.

How do refunds work?

Refund all or part of a payment from Orders in the dashboard. The payment's amountRefundedCents goes up and you receive the payment.refunded webhook. Refunds above your approval limit, made by anyone but the owner, wait for the owner's approval (Settings → Team & approvals). Refunds aren't available through the API.

What happens when a customer disputes a payment?

You receive dispute.opened, the payment's status becomes disputed, and you respond from Disputes in the dashboard. You can also have pre-dispute alerts refunded automatically, up to a limit you set, in Settings → Risk. See Fraud rules & 3D Secure.

Can I charge customers on a subscription?

Yes. Set up plans in Subscriptions in the dashboard. Each charge is a payment with source.type subscription, and you receive subscription.created and subscription.canceled webhooks. Plans are set up in the dashboard; the API doesn't create subscriptions.

Payouts

How fast can I get my money?

To your Anytime Capital business account: instant, 24/7. To any US bank account by RTP or FedNow: seconds, any day; by wire: same day; by ACH: same day or next day. Every option is on Payouts.

Can I pay suppliers outside the US?

Yes: over local rails in 71+ countries, in the supplier's own currency (SEPA Instant, Faster Payments, PIX, SPEI, UPI and others), with SWIFT everywhere else, or in USDC and USDT.

Can I take my balance in stablecoins or crypto?

Yes. Send USDC or USDT on-chain (minutes, including weekends), or convert your balance to bitcoin, ether, solana and other assets and send it out the same day.

Why keep payments and banking in one place?

Payments, banking, cards, payouts and crypto share one balance at Anytime Capital, so money from a sale can pay a supplier, fund a card or move into stablecoins the same day, with no separate merchant account to reconcile and no transfer to wait for.

Can I make payouts through the API?

Not today. Payouts are made from Payouts in the dashboard by owners and admins, so neither an API key nor an AI assistant can move money out of your balance.

API and docs

What can I do with the API?

Create, update and deactivate payment links; create, read and send invoices; read payments with their status, fees, method and disputes; and read your customers. Webhooks tell you about payments, refunds, disputes, paid invoices and subscriptions as they happen.

Is there a sandbox or test mode?

No: API keys are live keys. Test the flow with a $1.00 payment link that you pay with your own card and refund from Orders, and use Send test event in Settings → Developers to test your webhook endpoint.

Is there an SDK?

There is no SDK package to install: the API is plain HTTPS and JSON, so any language's HTTP client works. The docs include curl, Node.js and Python examples, and an AI assistant can write a client for your stack from the Markdown docs.

Are the docs available as Markdown?

Yes. Add .md to any docs URL (for example /docs/webhooks.md), or fetch every page in one file at /docs/llms-full.txt. Each page also has Copy page and View as Markdown buttons.

AI and MCP

Can an AI assistant integrate Anytime Capital Payments for me?

Yes. Paste the integration prompt from Build with AI into Claude Code, Cursor or another coding assistant in your project. It points the assistant at the Markdown docs and spells out the rules: key on the server, Idempotency-Key on every POST, verified webhooks.

How do I connect Claude to my Anytime Capital account?

Create a dedicated API key in Settings → Developers, then run claude mcp add --transport http anytime-capital https://anytime-capital.com/api/mcp --header "Authorization: Bearer ak_live_..." in Claude Code. Configs for Cursor, Claude Desktop and other clients are on Build with AI.

What can an assistant do through the MCP server?

List and read payments, payment links, invoices and customers; create, update and deactivate payment links; and create and send invoices. Each tool calls the matching REST endpoint with your key, with the same validation, rate limit and idempotency.

Can an AI assistant move money or issue refunds?

No. There are no tools for payouts, transfers or refunds. Tools that change something are marked as such, so clients like Claude ask before running them, and every change is written to your activity log under the key's name. Revoke the key in Settings → Developers to cut access instantly.

Security

Where should I keep my API key?

On your server, in an environment variable or secret manager. Never in a browser, mobile app, repository or log. Use one key per integration (up to 10 active) so you can revoke one without the others.

Do card numbers touch my servers?

No. Customers enter card details on Anytime Capital's checkout: the hosted page, or the Pay button and inline checkout, which load that checkout from Anytime Capital inside your page. Your servers only ever see the payment's brand and last four digits through the API.

How do I know a webhook really came from Anytime Capital?

Verify the Anytime-Signature header: an HMAC-SHA256 of the timestamp and the raw body, keyed with your endpoint's whsec_ signing secret. Compare in constant time and reject old timestamps. Code for Node.js, Next.js and Python is on Webhooks.

Onboarding and verification

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.

Who on my team can manage the integration?

Owners and admins create and revoke API keys and webhook endpoints in Settings → Developers. Every team member can read the in-dashboard API reference.

Pricing and support

How much does Anytime Capital Payments cost?

2.75% + 30¢ per successful online card or wallet payment, with no monthly, setup or PCI fees. International cards, currency conversion and disputes may carry additional fees, shown in your dashboard before you accept a payment. See pricing.

Is there an offer for new businesses?

Yes: 2.5% + 30¢ for your first 30 days of card payments. Claim it when you sign up or from the pricing page.

Do you offer custom pricing?

Yes, for businesses processing $1M+ a year, together with a dedicated payments team: shared Slack channel with our payments and risk team; named account manager and quarterly pricing review; custom pricing, payout schedules and reserve terms.

How do I get help?

Every business account has live, US-based support by phone, chat and email: hello@anytime-capital.com or (470) 748-2530. See Support.

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.