Roundup
The best payment processors for small business in 2026
There is no single best payment processor, only the best one for how you sell. A café, a SaaS company, a Shopify store and a consultant sending invoices need different things, and the cheapest rate on paper is not always the cheapest processor once monthly plans, payout fees and international cards are counted. Here are 19 options, judged on the same four questions, with Anytime Capital Payments included and the cases where another pick is better named plainly.
- Anytime Capital Payments
- Stripe
- Square
- PayPal
- Shopify Payments
- Braintree
- Adyen
- Checkout.com
- Worldpay
- Clover
- Helcim
- Authorize.net
- Chase Payment Solutions
- Stax
- QuickBooks Payments
- Wave
- Paddle
- Lemon Squeezy
- 2Checkout
Updated October 2026. Figures from each company's published fees, terms and filings, and the public sources named on this page.
What is the best payment processor for a small business?
It depends on where you sell. For online payments, invoices and links without a developer, Anytime Capital Payments charges 2.75% + 30¢ with no monthly fee (2.5% + 30¢ for the first 90 days), pays out to your bank with an instant option where eligible, and syncs to QuickBooks or Xero. Stripe is the pick when you need the broadest API. Square, Clover and Chase win at a counter, Shopify Payments wins on a Shopify store, Helcim has the lowest blended rate for many small businesses, Paddle and other merchants of record suit software sold to consumers worldwide, and Adyen, Checkout.com and Worldpay suit enterprises that negotiate interchange++.
How we judged them
All-in cost on a typical sale
The percentage, the fixed fee and any monthly plan together, on the sale sizes you actually take. A low percentage with a 49¢ fixed fee is expensive on a $10 sale.
How fast you can use the money
Payout schedules run from instant to three business days or more, and instant payouts often cost 1.5% to 1.95% of the amount.
What works without a developer
Payment links, invoices and in-person payments from a dashboard, or an API project before the first sale.
What the price does not include
International cards, currency conversion, disputes and minimum invoices, which can cost more than the card rate itself.
Payment processors compared on published US pricing
| Provider | Online card rate | Monthly fee | Fast access to funds | In person |
|---|---|---|---|---|
| 2.75% + 30¢ (2.5% + 30¢ for your first 90 days with the launch offer) | $0: no monthly, setup or PCI fees | Instant, 24/7, to your Anytime Capital business account | Customers scan and tap to pay on their own phone; no terminal to buy or rent |
| 2.9% + 30¢ | $0 on standard pricing | 1.5% of the payout, 50¢ minimum (US) | 2.7% + 5¢ on Stripe Terminal; Tap to Pay adds 10¢ per authorization |
| 3.3% + 30¢ on Free; 2.9% + 30¢ on Plus and Premium | $0 Free, $49 Plus, $149 Premium, per location | 1.95% of the transfer | 2.6% + 15¢ Free, 2.5% + 15¢ Plus, 2.4% + 15¢ Premium |
| 3.49% + 49¢ for PayPal Checkout; cards 2.89% + 29¢ to 2.99% + a fixed fee, by product | $0 | Not published for business accounts | 2.29% + 9¢ for QR code and card payments in person |
| 2.9% + 30¢ Basic, 2.7% + 30¢ Grow, 2.5% + 30¢ Advanced | Plan required: $29, $79 or $299 billed yearly ($39, $105 or $399 monthly) | None to an outside bank; Shopify Balance in as little as 1 business day | 2.6% + 10¢ Basic, 2.5% + 10¢ Grow, 2.4% + 10¢ Advanced |
| 2.89% + 29¢ for cards and digital wallets | $0; custom and interchange-plus pricing for established businesses | Not published | No in-person product on Braintree's fee page |
| Interchange++ plus a processing fee: $0.13 + 0.60% to 0.80% on US Visa and Mastercard (Adyen's pages differ) | $0, but a minimum monthly invoice set by industry (US amount not published) | Not offered; sales-day payout for supported methods | Interchange++; US terminal rates not published |
| Quote-only: interchange++ or a flat rate set by business profile and risk | No setup or account-maintenance fees, per its pricing page | Not published | Not published |
| Quote-only in the US; no published rate card | Set in your merchant agreement; not published for the US | Same Day Funding and FastAccess push-to-card funding, priced by quote | Quote-only in the US |
| 3.5% + 10¢ keyed-in and card-not-present; no separate ecommerce rate published | $0 to $89.95 a month in software by plan, plus hardware | 1.75% with Rapid Deposit, up to $10,000 per request | 2.3% + 10¢ on Station Solo bundles and some service plans; 2.6% + 10¢ on Clover Go Starter |
| Helcim | Interchange + 0.50% + 25¢ (Helcim cites a US average of about 2.29% + 25¢) | $0 | Not published | Interchange + 0.40% + 8¢ (about 1.78% + 8¢ on average, per Helcim) |
| Authorize.net | 2.9% + 30¢ plus $25/month (All-in-One); Gateway Only $25/month + 10¢ a transaction + 10¢ daily batch fee | $25 gateway fee on both plans; $0 setup | Not published; deposits follow the daily batch and the merchant account | Not priced separately on its pricing page |
| 2.9% + 25¢ through the e-commerce gateway | Virtual terminal from $9.95/month; Chase business checking $15/month unless waived | Same-day deposits at no extra cost into Chase business checking | 2.6% + 10¢ tap, insert or swipe, including Tap to Pay on a phone |
| Stax | Interchange at cost + 15¢, plus the monthly subscription | $99 up to $150,000 a year, $139 to $250,000, $199+ above | Same-day funding for a fee (not published); next business day standard | Interchange at cost + 8¢, plus the monthly subscription |
| 2.99% for invoices and online card and wallet payments, no fixed fee | No monthly fee for Payments on pay-as-you-go; QuickBooks plans priced separately | 1.75% for Instant Deposit | 2.5% swiped, inserted or tapped |
| Wave | 2.9% + 60¢ Visa, Mastercard and Discover; 3.4% + 60¢ Amex | $0 Starter; Pro $19/month ($190/year), with the 60¢ waived on the first 10 card payments a month | 1% of the amount | No card reader on Wave's payments pages |
| 5% + 50¢ per checkout transaction, all-in | $0; custom pricing at high volume | None; payouts are monthly | None; Paddle sells software and digital products |
| 5% + 50¢; +1.5% outside the US, +1.5% PayPal, +0.5% subscriptions | $0 | None; payouts twice a month | None |
| 2Checkout | 3.5% + 35¢ on 2Sell; 4.5% + 45¢ on 2Subscribe; 2Monetize by quote | $0; no setup fee | None; weekly payouts by default | None on 2Checkout's plans |
Each processor's own published US pricing as of October 2026. "Not published" or "quote-only" means no official figure was found, not that the fee is zero. Shopify Payments rates require a Shopify plan.
The picks
1. Best for getting paid and paid out in one place
Anytime Capital Payments2.75% + 30¢ per card or wallet payment ($3.05 on $100) with no monthly, setup or PCI fees, and 2.5% + 30¢ for your first 90 days with the launch offer. Payment links, branded invoices, subscriptions and in-person scan-and-tap with no hardware; payouts to your bank, instant where eligible; stablecoin checkout and QuickBooks or Xero sync; and custom pricing at $1M+ a year. It is not a POS for a busy counter and its API is smaller than Stripe's.
See Anytime Capital Payments2. Best for developer-led SaaS and marketplaces
StripeThe broadest payments API there is, with Connect for marketplaces, Billing for complex subscriptions and a long list of local payment methods. Its published 2.9% + 30¢ is $3.20 on a $100 sale, Instant Payouts cost 1.5%, and new accounts wait 7 days for a first payout. Pick it when engineering depth matters more than the rate.
Stripe vs Anytime Capital3. Best for selling at a counter
SquareFree point-of-sale software, a $59 reader and in-person rates of 2.4% to 2.6% + 15¢ make Square the easiest way to take cards in a shop. Online it is 3.3% + 30¢ on Free; 2.9% + 30¢ on Plus and Premium, so 2.9% + 30¢ online means paying $49 a month per location. Instant transfers cost 1.95%; there is no dispute fee today.
Square vs Anytime Capital4. Best for buyers who want a PayPal or Venmo button
PayPalThe button most US shoppers recognise, with Venmo and Pay Later built in. PayPal Checkout costs 3.49% + 49¢ ($3.98 on $100), international transactions add 1.5% and currency conversion carries a 3% spread. Worth offering as a button; expensive as your only processor.
PayPal vs Anytime Capital5. Best for stores built on Shopify
Shopify PaymentsOn a Shopify store, any other processor adds a 2%, 1% or 0.6% third-party fee, so Shopify Payments is usually right there. Its Grow and Advanced plans price online cards at 2.7% and 2.5% + 30¢, at or below our standard rate, for $79 and $299 a month. Payouts take at least 3 business days.
Shopify Payments vs Anytime Capital6. Best for PayPal, Venmo and cards in one API
BraintreePayPal's gateway at 2.89% + 29¢ for cards and wallets, with ACH at 0.75% capped at $5 and interchange-plus for established businesses. It needs a developer and has no in-person product, and does not publish an instant payout option.
Braintree vs Anytime Capital7. Best for enterprise omnichannel retail
AdyenLocal acquiring in many markets and terminals and online on one platform, priced at interchange++ plus $0.13 and 0.60% to 0.80% for US Visa and Mastercard. Often the cheapest option at real scale, with a minimum monthly invoice that makes it a poor fit for small businesses.
Adyen vs Anytime Capital8. Best for high-volume global ecommerce
Checkout.comAn enterprise acquirer priced by quote on your risk profile, with decline optimisation and, since June 2026, stablecoin settlement for most US merchants. No published US rate, so it is a call for a business with a payments team.
Checkout.com vs Anytime Capital9. Best for large merchants that want a global acquirer
WorldpayPart of Global Payments since January 2026. US pricing is by quote, with no-commitment per-transaction pricing for small businesses and custom pricing at volume; settlement is next business day on some products.
Worldpay vs Anytime Capital10. Best for restaurants that want bundled hardware
CloverCountertop hardware and POS software from Fiserv, with in-person rates as low as 2.3% + 10¢ on Station Solo bundles that carry $84.95 to $89.95 a month in software. Keyed-in payments are 3.5% + 10¢, and Rapid Deposit costs 1.75%.
Clover vs Anytime Capital11. Best for the lowest blended rate with no monthly fee
Helcim
Interchange-plus with published margins and no monthly fee; Helcim's own figures put its US averages at about 1.78% + 8¢ in person and 2.29% + 25¢ online ($2.54 on $100), below any flat rate including ours. The bill moves with your customers' card mix, and payout timing is not published.
Helcim vs Anytime Capital12. Best for a gateway on a merchant account you already have
Authorize.net
Visa's long-running gateway. The All-in-One plan is 2.9% + 30¢ plus $25 a month ($3.20 on $100 before the monthly fee); Gateway Only adds $25 a month, 10¢ a transaction and a 10¢ daily batch fee to a merchant account you already hold, which can be the cheapest route if that account has low interchange-plus pricing. A long list of carts and billing tools connect to it.
Authorize.net vs Anytime Capital13. Best for businesses that bank with Chase
Chase Payment Solutions2.6% + 10¢ in person (including Tap to Pay on a phone), 2.9% + 25¢ through the e-commerce gateway and 3.5% + 10¢ keyed in, with same-day deposits at no extra cost into Chase business checking. Below about $33, its online rate is cheaper than ours; keyed-in payments cost $3.60 on $100.
Chase Payment Solutions vs Anytime Capital14. Best for steady volume and debit-heavy card mixes
Stax
Interchange at cost plus 8¢ in person or 15¢ online, and a subscription of $99 to $199+ a month by annual volume. Once volume covers the subscription it can beat any flat rate; at low volume the monthly fee outweighs the saving. ACH is 1% capped at $10.
Stax vs Anytime Capital15. Best for small invoices sent from QuickBooks
QuickBooks Payments2.99% with no fixed fee on invoices and online payments, 2.5% in person and 1% for ACH, recorded in QuickBooks with nothing to connect. Cheaper than 2.75% + 30¢ below about $125 and more expensive above ($29.90 on a $1,000 invoice); Instant Deposit costs 1.75%.
QuickBooks Payments vs Anytime Capital16. Best for free invoicing software for very small businesses
Wave
Free invoicing and bookkeeping, paid for in the card fee: 2.9% + 60¢ (3.4% + 60¢ for Amex), $3.50 on $100, with card payouts in 2 business days and Instant Payouts at 1%. Wave Pro ($19 a month) waives the 60¢ on the first ten card payments each month.
Wave vs Anytime Capital17. Best for software sold to consumers worldwide
PaddleA merchant of record: Paddle is the legal seller, collecting and remitting sales tax and VAT worldwide and handling fraud and chargebacks, for 5% + 50¢ a transaction ($5.50 on $100). Payouts are monthly. Worth it when global tax compliance is the real cost; expensive if it is not.
Paddle vs Anytime Capital18. Best for indie digital products, for now
Lemon SqueezyA merchant of record for software and downloads at 5% + 50¢, plus 1.5% outside the US, 1.5% for PayPal and 0.5% on subscriptions, with license keys and affiliates built in. Owned by Stripe since 2024, and its own site now points merchants toward Stripe Managed Payments. Payouts twice a month after a 13-day hold.
Lemon Squeezy vs Anytime Capital19. Best for global software checkout with local methods
2Checkout
Verifone's checkout for software: 2Sell at 3.5% + 35¢, 2Subscribe at 4.5% + 45¢, plus a 2% cross-border fee on international payments; 2Monetize, priced by quote, makes 2Checkout the merchant of record. Weekly payouts by default.
2Checkout vs Anytime Capital
Flat rate, interchange-plus, subscription or a quote
Processors price in four ways. A flat rate (Stripe, Square, PayPal, Chase, QuickBooks, Wave, Anytime Capital Payments) is one percentage and fixed fee for every card, so you know the cost of a sale before it happens. Interchange-plus (Helcim, and Braintree for established businesses) passes through what each card actually costs and adds a published margin, which is usually cheaper and always variable. Subscription pricing (Stax) passes interchange through at cost and charges a monthly fee instead of a markup, which pays off once volume covers the fee. A quote (Adyen, Checkout.com, Worldpay) is interchange++ or a flat rate negotiated on your volume and risk, and is where large merchants pay least.
None of these is a trick. Pick the model that matches how predictable you need costs to be and how much volume you have to negotiate with. Authorize.net's Gateway Only plan sits outside all four: it connects a merchant account you already have, for a monthly and per-transaction fee on top of that account's pricing.
The fixed fee matters more than it looks
On a $10 sale, PayPal Checkout's 3.49% + 49¢ costs $0.84 and 2.75% + 30¢ costs $0.58. On a $1,000 invoice the same two rates cost $35.39 and $27.80. Run your own average sale through every rate before you compare percentages.
Fees that are not the card rate
International cards (often +1% to +1.5%), currency conversion (from 1% to a 3% spread), disputes ($15 to $20 each where published), instant payouts (1.5% to 1.95% where published) and monthly plans or minimum invoices can each add more than the difference between two card rates. The table above lists what each processor publishes; where a line says not published, ask for it in writing.
Processor or merchant of record
Paddle, Lemon Squeezy and 2Checkout's 2Monetize plan are merchants of record: they are the legal seller of each order, collect and remit sales tax and VAT around the world, and handle fraud and chargebacks, for 5% + 50¢ or more a sale. Every other pick here, Anytime Capital Payments included, is a processor, where your business stays the seller and handles its own tax.
For a software company selling to consumers in dozens of countries, a merchant of record can be worth its price. For a business whose customers are mostly in the US, or mostly other businesses, the tax work is smaller and a processor costs far less per sale.
Processors that come with your bank or your books
Chase deposits card sales the same day into Chase business checking at no extra cost, and QuickBooks Payments and Wave record each payment in the accounting software you already use. That convenience is real; the price is in the rate (3.5% + 10¢ keyed at Chase, 2.99% on a QuickBooks invoice, 2.9% + 60¢ at Wave). Anytime Capital Payments pays out to whichever bank you use and syncs to QuickBooks Online and Xero, so the books still update on their own.
Why payout speed belongs in the comparison
A processor that takes three business days to pay out holds a weekend's sales until Wednesday, and paying to get them sooner can cost more than the card fee. On Anytime Capital Payments: payouts to your own bank account, standard or instant where eligible, instant sweeps into an Anytime Capital business account, RTP or FedNow transfers to any US bank, same-day domestic wires, vendor payments by ACH, local rails in 71+ countries, stablecoin payouts from your balance, crypto conversion of your balance and employee cards funded from your balance, whenever you like or on an automatic schedule.
Save and earn more
Keep more of every sale, and get it the same minute
Lower card rates than Stripe, no fee to be paid instantly, and suppliers paid on local rails instead of international wires.
$50,000
- Paddle5% + 50¢Merchant of record, includes sales tax handling$2,794
- Lemon Squeezy · US one-time card sales5% + 50¢Merchant of record, includes sales tax handling$2,794
- PayPal · PayPal Checkout3.49% + 49¢$2,033
- Square · Free plan3.3% + 30¢$1,826
- Wave · Visa, Mastercard, Discover2.9% + 60¢$1,803
- Stripe2.9% + 30¢$1,626
- Shopify Payments · Basic plan2.9% + 30¢$1,626
- Authorize.net · All-in-One plan2.9% + 30¢$1,626
- Braintree2.89% + 29¢$1,616
- Chase Payment Solutions · E-commerce gateway2.9% + 25¢$1,597
- Anytime Capital2.75% + 30¢$1,551
- QuickBooks Payments · Invoices and online2.99%$1,495
Saved per year
up to $5,781
vs the highest processor rate above
Published standard US online card rates as of October 2026, rate on volume plus the fixed fee per payment. Excludes international, currency-conversion, dispute and instant-payout fees and any plan subscriptions, which vary by provider.
- 0.15 ptsUnder Stripe on every card payment2.75% + 30¢ against Stripe's published 2.9% + 30¢, with no monthly, setup or PCI fee.
- 2.5%For your first 90 daysNew businesses pay 2.5% + 30¢ for 90 days, then 2.75% + 30¢.
- 0%To get your money instantlySales settle into your Anytime Capital bank account, nights and weekends included. Stripe charges 1.5% of each Instant Payout.
- 71Countries paid on local railsPay suppliers in their own currency over SEPA Instant, PIX, SPEI, UPI and more, instead of an international wire.
Other processors' rates are their published US online card rates as of October 2026, before international, currency-conversion, dispute and plan fees.
Payment processing
A complete payments stack, from your website to your bank account
Checkout, 3D Secure, risk rules and instant payouts in one product, at 2.75% + 30¢ per card or wallet payment, 2.5% + 30¢ for your first 90 days. No gateway to bolt on and no separate merchant account.
Your website
A Pay button, the checkout inline, or a hosted checkout on pay.yourbusiness.com.
Checkout
Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and ACH, in your logo and colour.
- AMEX
- ACH
3D Secure
Customers confirm larger payments with their bank, which usually moves fraud liability to the issuer.
Risk rules
Block card countries, cap amounts and decline high-risk scores before the card is charged.
Instant payout
Settled sales land in your Anytime Capital bank account, nights and weekends included.
3D Secure and risk rules, in the dashboard
<a href="https://anytime-capital.com/pay/business/pl_8fK2mQ" data-anytime-pay="pl_8fK2mQ">Pay $384.00</a><script async src="https://anytime-capital.com/embed/anytime-pay.js"></script>Customers pay in a secure window over your page. Where a builder strips scripts, the same link opens your hosted checkout on your own domain.
The real product
Invoices, checkouts and receipts your customers actually see
Every screen below is the Anytime Capital product, rendered with demo data: your logo and colours on the invoice, the checkout and the receipt, and the money in your account the minute it settles.
Salons & spasThe receipt, with the tip and the salon's own thank-you messagePayments for salons & spas
Gyms & fitness studiosA membership plan's checkout, with its free trialPayments for gyms & fitness studios
Property managementA rent invoice, with rent and parking as separate linesPayments for property management
NonprofitsA donation link: donors choose the amountPayments for nonprofits
Home servicesA quote the customer accepts onlinePayments for home services
Photographers & videographersA quote, accepted online by the clientPayments for photographers & videographers
Tutors & lesson teachersAn invoice to a parent for the month's sessionsPayments for tutors & lesson teachers
Childcare & daycareA family's monthly tuition invoice, with a sibling discountPayments for childcare & daycare
Pet care & groomingThe receipt, with the tip, the pet's name and your thank-you messagePayments for pet care & grooming
Auto repairThe estimate, sent as a quote the customer approves onlinePayments for auto repair
Anytime Capital product views, demo data.
Docs and API
Integrate in an afternoon, or let your AI agent do it
A REST API, signed webhooks and an MCP server, with docs written to be pasted: every page is also Markdown, and each one comes with a prompt for your AI assistant.
- MCP server
- https://anytime-capital.com/api/mcp
- Docs as one file
- /docs/llms-full.txt
curl -X POST https://anytime-capital.com/api/v1/payment-links \
-H "Authorization: Bearer $ANYTIME_API_KEY" \
-H "Idempotency-Key: order-1042" \
-H "Content-Type: application/json" \
-d '{
"title": "Consulting — October",
"amountCents": 12500,
"singleUse": true,
"metadata": { "orderId": "1042" }
}'- QuickstartGo 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.Read
- Payment linksCreate, update and deactivate hosted payment links with the Anytime Capital Payments API: one per order or reusable, with metadata, and prefilled checkout.Read
- Checkout & websiteTake payments with hosted payment links, a Pay button or inline checkout on your website, your own checkout domain and your logo and brand colour.Read
- InvoicesCreate, list and send invoices with the Anytime Capital Payments API: line items, discount, tax and deposits, emailed in your branding and paid by card.Read
- WebhooksGet Anytime Capital Payments events by webhook: payments, refunds, disputes, invoices and subscriptions, signed with HMAC-SHA256 and retried for 24 hours.Read
- Fraud rules & 3D SecureProtect your Anytime Capital payments: block card countries, require 3D Secure above an amount, cap payment size, block high-risk scores and auto-refund alerts.Read
- Payout optionsWithdraw your Anytime Capital balance to your bank, standard or instant where eligible. Local rails in 71+ countries.Read
- AI agents hubConnect Claude, Cursor, VS Code and your own agents to Anytime Capital Payments through the MCP server, give them the docs as Markdown, and keep them safe.Read
MCP connection
Let your AI agent run payments, with a key you can revoke
Our MCP server gives Claude, Cursor, GitHub Copilot, Gemini and OpenAI agents the same API your developers use: payments, payment links, invoices and customers, with the same limits and the same activity log.
- ClaudeClaude Code & Desktop
- CursorMCP server
- GitHub CopilotMCP in VS Code
- GeminiMCP in Gemini CLI
- OpenAIMCP in the Agents SDK
- WindsurfMCP server
48 tools
- list_payments
- get_payment
- list_payment_links
- create_payment_link
- get_payment_link
- update_payment_link
- deactivate_payment_link
- list_invoices
- create_invoice
- get_invoice
- send_invoice
- list_customers
- create_customer
- get_customer
- update_customer
- list_refunds
- get_refund
- create_refund
- list_products
- create_product
- get_product
- update_product
- archive_product
- list_subscription_plans
- create_subscription_plan
- get_subscription_plan
- list_subscriptions
- get_subscription
- cancel_subscription
- pause_subscription
- resume_subscription
- list_discount_codes
- create_discount_code
- get_discount_code
- deactivate_discount_code
- list_payouts
- get_payout
- get_balance
- list_disputes
- get_dispute
- list_webhook_endpoints
- create_webhook_endpoint
- get_webhook_endpoint
- update_webhook_endpoint
- delete_webhook_endpoint
- list_events
- get_event
- send_test_event
$ claude mcp add --transport http anytime-capital https://anytime-capital.com/api/mcp --header "Authorization: Bearer ak_live_…"
✓ Added HTTP MCP server anytime-capital
> Invoice Northwind Studio $2,400 for the October retainer, due in 14 days, and send it.
⏺ anytime-capital · create_invoice({ customerName: "Northwind Studio", lineItems: [{ description: "October retainer", quantity: 1, unitCents: 240000 }], dueDate: "2026-11-07", send: true })
⎿ Invoice sent to dana@northwind.studio · $2,400.00 due Nov 7 · reminders on
> How much did we take by card this week?
⏺ anytime-capital · list_payments({ createdFrom: "2026-10-19" })
⎿ 214 payments · $31,904.18 gross · 2 refunds
Launch offer
Try Anytime Capital Payments: 2.5% + 30¢ for your first 90 days
Then 2.75% + 30¢ per card or wallet payment, with no monthly, setup or PCI fees. Payment links, invoices and in-person payments from day one, payouts to your bank (instant where eligible), and a live US business team.
- 2.75% + 30¢ online, 2.5% + 30¢ for 90 days
- No monthly, setup or PCI fees
- Payouts to your bank, instant where eligible
- Live US business team
Ways to start
Start with Anytime Capital Payments today
Launch offer
2.5% + 30¢ for your first 90 days of card payments, then 2.75% + 30¢.
Claim 2.5% for 90 daysOpen an account
Sign up online; most reviews finish within one business day.
Sign upSwitch from Stripe
Import customers, plans, discount codes, payment links and open invoices with a read-only key.
See how switching worksProcessing $1M+ a year?
Custom or interchange-plus pricing, a shared Slack channel and a named account manager.
Talk to sales
Questions
Best payment processors: FAQ
Where to go next
Other roundups
Important Disclosures
- Information about other processors is drawn from their published US pricing, help centers, terms and announcements as of October 2026. Prices change often; where a figure was unpublished or the company's own pages disagreed, this page says so rather than giving a number. Check each processor's current pricing before you sign up.
- Anytime Capital and the companies named are independent. This page is not endorsed by or affiliated with any of them. Third-party names and trademarks belong to their owners and are used only to identify the companies compared.
- This comparison is for information only and is not financial, tax or legal advice.
- 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.