Enterprise FAQ

Anytime Capital Enterprise is our platform for organizations that move serious volume: payment processing at scale, treasury and banking through our licensed partners, employee expense cards, agentic payments for AI systems, a crypto and OTC desk, a program for check cashers to sell crypto at the counter, and GovPay for government agencies. Every program is designed with our team around your volumes, your rails and your timelines, on the same core that runs Anytime Capital for Business.

Use Contact sales on the Enterprise page. Tell us what you need to move, roughly how much and by when, and our team comes back with a plan and pricing. There is no self-serve sign-up for enterprise programs: we design each one with you, run due diligence once, and go live together with a named team on our side. Many organizations start on Anytime Capital for Business the same day while the enterprise program is set up.

No. Anytime Capital is a fintech company, not a bank. Banking services are provided by our licensed banking partners, and the partner behind each product is named in that product's agreement. What you get is, we think, the best banking platform an organization can run on: accounts and instant rails, payment processing, virtual and physical cards, transfers to 71+ countries and crypto, with one team to call.

Custom, and quoted on your real numbers. Card processing can be volume-tiered or interchange-plus, priced on your actual mix of cards, countries and ticket sizes and reviewed every quarter as you grow. Payout timing and reserve terms are set around how your cash needs to move. Standard pricing, for reference, is 2.75% + 30¢ per card payment with no monthly fees; businesses processing $1M+ a year qualify for custom pricing, a named account manager and a shared Slack channel.

It depends on what you are launching. Payment processing on the standard platform can be live in days once due diligence is complete; a program with custom settlement, multiple entities or a government integration is planned with you and typically launches in weeks, not quarters. We agree the timeline up front and a named team on our side owns it.

Cards, Apple Pay, Google Pay, bank transfers and stablecoins at volume, in a checkout that carries your brand on your domain, plus payouts to 71+ countries in local currency. You get 3D Secure and risk rules you control, a fraud score on every payment, pre-dispute alerts, signed webhooks, the API and an MCP server for AI agents, and custom pricing, payout schedules and reserves set around your business.

Operating accounts and sub-accounts for the money your organization holds and moves, provided through our licensed banking partners, with ACH, wire, RTP and FedNow in and out. Separate entities, departments or programs on their own sub-accounts, see every balance in one place, and move money between them instantly. Card sales settle into the same balance your payouts and cards spend from.

Physical and virtual debit cards for every employee, issued from your balance, with limits set by finance per person, team or merchant, receipts captured as people spend, a privacy button, one-tap freeze, temporary cards for one-off purchases, and Apple Pay and Google Pay from the moment a card is issued. Exports are formatted for your accounting system.

A way to let AI agents take payments and send invoices on your behalf, safely. Each agent gets a scoped, revocable API key over our MCP server, so it can create payment links, issue invoices and read payment data within the permissions you set, while money movement stays with people. Settlement can be in dollars or in USDC and USDT.

A way for check cashers and other cash-handling stores to sell bitcoin and stablecoins at the counter. Your cashier verifies the customer in about two minutes, places the order and takes the cash; we hold the license and settle the digital assets, and you earn on every order. No kiosk on your floor, same counter, same staff.

GovPay lets residents pay court fines, speeding and parking tickets, taxes, permits and utility bills by debit or credit card, Apple Pay, Google Pay, bank transfer or crypto, online, by text link or at the counter, and your agency receives US dollars. It includes citation and case lookup, partial payments where the agency allows them, and reporting built for public finance.

A dedicated desk for size, and digital assets on your books. Trade bitcoin, ether, solana and 38+ assets at a firm quote for the whole order, settle to dollars the same day, hold assets in a self-custody wallet under your control, and receive or pay in USDC and USDT on Ethereum, Solana or Tron. Fund by wire, ACH or cash at a branch, depending on size and compliance review.

Yes. Each entity has its own account, balance, cards, customers and exports, finance switches between them from one login, and consolidated reporting is part of an enterprise program. Payouts between your own entities move by RTP, FedNow, wire or ACH, or instantly between sub-accounts of the same entity.

From Payouts in the dashboard or by API: RTP and FedNow in seconds, same-day wire, ACH, local rails in 71+ countries in the recipient's currency, and USDC or USDT in minutes, weekends included. Each payout shows its fee, rate and expected arrival before it is confirmed, every one carries a reference the receiving bank can search, and payout schedules and reserve terms are set with you.

Yes. Every card payment is scored 0 to 100 before it is charged; you set the score that is blocked, require 3D Secure above an amount, cap single payments, block cards from countries you choose, and set the limit up to which pre-dispute alerts are refunded automatically. Card details are entered on a checkout we serve, which keeps your PCI scope small.

RTP and FedNow transfers land in seconds, any day. Domestic wires go the same day, ACH the same day or next day, and USDC or USDT transfers settle in minutes, weekends included. Transfers abroad arrive instantly on SEPA Instant, Faster Payments, PIX, SPEI, UPI and PayNow, and from minutes to the same day on other local rails.

Yes. Accounts come with US account and routing numbers in your organization's own name, through our licensed banking partners, for receiving ACH, wires, RTP and FedNow and for paying out by the same rails. Sub-accounts let you separate programs, departments or entities while seeing everything in one place.

The desk serves clients across a wide range of sizes, from tens of thousands of dollars to orders that would move a public order book. Tell us the asset, the size and your timing and a trader quotes a firm price for the whole order. Identity verification is required for every trade, and larger amounts may need additional review.

Yes. The business wallet is self-custody, created under the control of the person your organization designates, so Anytime Capital never holds the keys and cannot move the funds. Back up the recovery phrase under your own key-management policy; we cannot recover it and will never ask for it.

Yes. Receive USDC and USDT by payment request on Ethereum, Solana or Tron, pay suppliers and partners in stablecoins the same day with no correspondent bank, and sell to dollars whenever you choose, paid to your account the same day. Stablecoins are not bank deposits, are not FDIC-insured and are designed, but not guaranteed, to hold a one-dollar value.

Anytime Capital is a fintech company, not a bank. Banking, card issuing, payment processing and payout services are provided by licensed partners, and the partner behind each product is named in that product's agreement and in the disclosures on our site. Your day-to-day relationship is with Anytime Capital: one team, one platform, one contract to manage.

Dollar balances are held with our licensed banking partners under the terms in your agreement. Every login uses multi-factor authentication, roles limit who can move money, every payment is fraud-screened, card details never touch your servers, and verification documents are checked and then not kept on ours. Anytime Capital is a FinCEN-registered money services business, and our Security page sets out our practices and licences.

The same business and owner verification every Anytime Capital account goes through, plus the program-specific review your volumes and products call for: entity structure, ownership and control, source of funds for the crypto desk, and the agency and statutory details for GovPay. We run it once, up front, and tell you exactly what we need and why.

Yes. A REST API for charges, payment links, invoices, customers, refunds and payouts, signed webhooks for every event, idempotent requests, several API keys with their own permissions and IP allowlists, test mode, a Node SDK and docs served as Markdown for your AI tools. Rate limits rise with your program, and our engineers join the integration call.

Yes. The Anytime Capital MCP server gives Claude, Cursor, GitHub Copilot, Gemini and OpenAI agents scoped access to list payments, create payment links and send invoices with API keys you issue and can revoke at any time. Money movement stays with people by default. See Agentic Payments for the full program.

Reports export any date range formatted for QuickBooks Online or Xero, with processing, refunds, disputes and payouts on their own lines, and the API and webhooks feed any ERP or data warehouse in real time. Zapier covers the no-code cases. Bespoke exports are part of an enterprise program when you need them.

A named account manager who knows your business, your payout schedule and your dispute history, a shared Slack channel where your finance and ops people talk directly to our payments and risk team, quarterly pricing reviews, and engineers on the integration call. Support around the clock for the things that cannot wait.

Contact sales on the Enterprise page is the quickest route for a new program, and live chat works from any page on our site. Existing enterprise clients use their shared Slack channel or their account manager directly. You can also call (470) 748-2530 or email hello@anytime-capital.com.