What does the privacy button do?
The card number, expiry date and CVV stay masked in the app until the cardholder taps Show, and hide again with one tap, so details are never on screen by default.
What is a temporary card?
A card you issue for one purchase, a trip or a trial, with its own limit and end date. It closes itself after the purchase or when the date passes, so a subscription or a vendor never keeps a live card on file.
Can cards be added to Apple Pay and Google Pay?
Yes. Cardholders add their card to Apple Wallet or Google Wallet as soon as it is issued and can pay by phone the same minute.
Can we set limits per employee?
Yes. Every card has its own spending limit, and you can restrict cards by merchant or team, freeze a card in one tap and unfreeze it as quickly.
Physical or virtual?
Both. Virtual cards are ready to use the moment they are issued; physical cards are mailed to the cardholder. Either goes into Apple Pay and Google Pay.
Are these debit or credit cards?
Debit. Cards spend from your Anytime Capital business bank account balance, so there is no credit line, no statement to pay off and no interest.
How many cards can we issue?
As many as the business needs: one per employee, one per vendor or subscription, or a temporary card for every one-off purchase.
What happens if a card is lost?
Freeze it in one tap from the app or dashboard, then cancel it and issue a replacement. Virtual replacements are ready immediately.
Does it work with QuickBooks and Xero?
Yes. Reports download any date range as a file formatted for QuickBooks Online or Xero, with card processing, refunds and disputes as their own lines, plus a payouts file to match transfers to your bank.
Can the same account take card payments?
Yes. Payment processing is built into the account at 2.75% + 30¢ per card or wallet payment, and settled sales land in the balance the cards spend from.
Can we talk to someone in person?
Yes. Every business account has a live US team by phone, chat and email, and you can walk into a branch in Atlanta, Miami or Houston for account opening, cash and anything you would rather sort out face to face.
How fast can we open an account?
Applying takes a few minutes, and most complete business applications are approved the same day. There is no waitlist and no funding requirement; complex entity structures can take a few days.
Is Anytime Capital a bank?
No. Anytime Capital is a fintech company, not a bank. Banking, card, payment processing and payout services are provided by Anytime Capital's licensed partners, and each product's terms are shown at sign-up.