# Payment methods

> The cards, wallets, bank payments and stablecoins Anytime Capital Payments accepts today, where each is offered, and the methods that are coming soon.

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

What a customer can pay with depends on how you charge them: card checkout (payment links, invoices, subscriptions, the website Pay button and in-person QR) or a stablecoin payment request. Checkout only ever shows a customer the methods they can actually use on their device.

## Available today

| Group | Methods | Where |
| --- | --- | --- |
| Cards | Visa, Mastercard, American Express, Discover, JCB, Diners Club, UnionPay, Maestro | Every checkout, link, invoice and subscription |
| Wallets | Apple Pay, Google Pay | Every checkout, including in person |
| Bank | ACH bank debit | Payment links and invoices |
| Stablecoins | USDC, USDT | Payment requests to your wallet on Ethereum, Solana or Tron |

- **Cards, Apple Pay and Google Pay** are on by default. Apple Pay and Google Pay appear on supported devices and browsers, including on your own checkout domain.
- **Bank account (ACH)** is turned on in **Settings → Payments**. It is offered on payment links and invoices, not on subscriptions, and payments clear in 3–5 business days.
- **Stablecoins** aren't taken at card checkout: send the customer a stablecoin payment request from the dashboard and they pay your business wallet directly. These payments aren't part of the Payments API.

## Coming soon

| Group | Methods | Status |
| --- | --- | --- |
| Pay later & more wallets | Klarna, Afterpay, Affirm, Cash App Pay, PayPal | Not offered at checkout yet |

Don't build for these yet: checkout doesn't offer them today, and the API never reports them.

## How a method shows up in the API

Each [payment](https://anytime-capital.com/docs/payments.md) reports `paymentMethod.type` (`card`, `apple_pay`, `google_pay` or `us_bank_account`, with more types possible as methods are added) and a readable `paymentMethod.label`, such as “Visa •••• 4242”. Card and card-wallet payments also carry `card.brand` and `card.last4`. Treat an unknown `type` as valid and show its `label`.

> **Bank payments settle later:** A bank account payment is `pending` until it clears, then `paid` or `failed`. Ship goods or grant access on the `payment.succeeded` webhook, not when checkout finishes.

## Currency

Prices on payment links and invoices are set in US dollars, in integer cents. Customers can pay with cards issued outside the US; international cards and currency conversion may carry additional fees, shown in your dashboard before you accept a payment.

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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.