Payment processor comparison
Checkout.com vs Anytime Capital
Checkout.com is an acquirer for the largest online merchants, priced by quote on your business profile and risk category. It does not publish a US rate. Anytime Capital Payments does: 2.75% + 30¢, no monthly fee, payouts to your bank with an instant option where eligible, and custom pricing at $1M+ a year. Here is how to compare a published rate with a quote.
- 2.75% + 30¢, published
- Sign up online; links work from day one
- Receive, hold and send stablecoins
Updated October 2026. Checkout.com figures from its published US pricing; where a figure is not published, we say so.
Available to pay out
$248,310.42
+$31,904.18 today · 412 payments
Payouts
Quick answer
Is Checkout.com cheaper than Anytime Capital?
It depends on the quote, because Checkout.com does not publish a US rate. It prices interchange++ or a flat rate based on your business profile and risk category, and at large volume interchange++ is often cheaper than any flat rate. Anytime Capital Payments publishes 2.75% + 30¢ ($3.05 on a $100 sale) with no monthly, setup or PCI fees and 2.5% + 30¢ for your first 90 days, and quotes custom pricing for businesses processing $1M+ a year. For a business that wants to start taking payments this week, the published rate is the simpler path; for a global merchant with a payments team, Checkout.com is worth a quote.
Published fees
Checkout.com vs Anytime Capital fees, line by line
| Fee | Checkout.com | Anytime Capital |
|---|---|---|
| Online card rate | Quote-only: interchange++ or a flat rate set by business profile and risk | 2.75% + 30¢ (2.5% + 30¢ for your first 90 days with the launch offer) |
| In person | Not published | Customers scan and tap to pay on their own phone; no terminal to buy or rent |
| ACH bank payments | Not published | ACH bank debit on payment links and invoices; current rate on the pricing page |
| International cards | Quote-only | May carry an extra fee, shown in your dashboard before you accept the payment |
| Currency conversion | Industry base rate plus a fee agreed at onboarding | May carry an extra fee, shown in your dashboard before you accept the payment |
| Instant payout | Not published | Instant, 24/7, to your Anytime Capital business account |
| Disputes | Not published | Shown in your dashboard; pre-dispute alerts can refund small payments automatically |
| Monthly fee | No setup or account-maintenance fees, per its pricing page | $0: no monthly, setup or PCI fees |
US pricing as of October 2026. “Not published” and “quote-only” mean no official figure was found, not that the fee is zero.
Pricing model
Checkout.com does not publish a flat US rate
Checkout.com: Quote-only: interchange++ or a flat rate set by business profile and risk. There is no published number to chart against ours, so compare a written quote line by line with Anytime Capital Payments's 2.75% + 30¢ (2.5% + 30¢ for your first 90 days), which is $3.05 on a $100 sale.
Credit where due
What Checkout.com is genuinely good for
- Large, high-volume online merchants that want interchange++ pricing and enterprise acquiring in many markets.
- Payments teams that care about authorisation rates and want decline optimisation like Intelligent Acceptance.
- Enterprises that want stablecoin settlement from their acquirer rather than a separate provider.
An acquirer for the largest online merchants
Checkout.com sells enterprise acquiring: cards, wallets and local methods across many markets, with Intelligent Acceptance to lift authorisation rates and fraud detection built in. Its customers tend to be global online brands with in-house payments teams.
Pricing follows that model. Its pricing page describes interchange++ (interchange, scheme fees and an acquirer fee) priced on your business profile and risk category, a flat-rate option, and no setup or account-maintenance fees. Currency conversion is an industry base rate plus a fee agreed at onboarding.
- Block high-risk paymentsScore 75 or more
- Require 3D Secure above an amountOver $500.00
- Block cards from selected countries3 countries
- Maximum amount per payment$5,000.00
- Refund pre-dispute alerts automaticallyUnder $100.00
Comparing a quote with a published rate
A quote is only comparable once it is in writing and covers every line. Anytime Capital's side of the comparison is fixed: 2.75% + 30¢ per successful card or wallet payment, no monthly, setup or PCI fees, and any international or conversion fee shown in your dashboard before you accept a payment.
- Is the price interchange++ or flat, and what is the acquirer fee per scheme?
- What is the FX margin over the base rate?
- What does each dispute cost, and is there a reserve?
- How long is settlement, and is there any minimum volume?
Stablecoin settlement, two ways
Since June 2026, Checkout.com has offered stablecoin settlement to US merchants, excluding New York, Virginia, Alaska and Puerto Rico, working with Fireblocks, and it has a separate collaboration letting eligible enterprise merchants accept stablecoins.
Anytime Capital approaches stablecoins from the business's own wallet: customers pay payment links and invoices in USDC or USDT straight to it, and the business can hold them, send them to suppliers and contractors the same day, or sell them for dollars paid to its bank account.
Everything after settlement
An acquirer settles money to your bank; what happens next is your bank's business. Anytime Capital also pays out to your own bank today, standard or instant where eligible. Paying a supplier in Mexico by SPEI or a contractor in Brazil by PIX from the same balance, on local rails in 71+ countries.
Side by side
Checkout.com vs Anytime Capital, row by row
A green check marks the platform with the edge on that row. Anytime Capital leads on 5 of 10.
Published pricing
- Checkout.com
- Quote-only
- Anytime
- 2.75% + 30¢; 2.5% + 30¢ for your first 90 days
Enterprise pricing
- Checkout.com
- Interchange++ or flat, by business profile and risk
- Anytime
- Custom pricing at $1M+ a year
Global acquiring
- Checkout.com
- Enterprise acquiring and local methods in many markets
- Anytime
- Cards, Apple Pay, Google Pay, ACH and stablecoins; international cards may carry a fee shown in advance
Decline optimisation
- Checkout.com
- Intelligent Acceptance
- Anytime
- A 0–100 risk score on every payment, block rules by score, amount and card country, 3D Secure above an amount you choose, pre-dispute auto-refunds and evidence packs
Currency conversion
- Checkout.com
- Base rate plus a fee agreed at onboarding
- Anytime
- May carry an extra fee, shown in your dashboard before you accept the payment
Stablecoins
- Checkout.com
- Stablecoin settlement for US merchants (not NY, VA, AK, PR) since June 2026
- Anytime
- USDC and USDT on payment links and invoices, paid straight to your business wallet on Ethereum or Solana (USDT also on Tron), to hold, send on the same day or sell for dollars
Getting started
- Checkout.com
- Sales process and contract
- Anytime
- Open an account online in a couple of minutes; most reviews finish within one business day, and payment links work as soon as you're approved
Payout speed
- Checkout.com
- Set by contract
- Anytime
- 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
In person
- Checkout.com
- No in-person rate published
- Anytime
- Key in an amount on any phone, tablet or laptop; the customer scans the code and taps to pay on their own phone. No terminal hardware
Business account, cards and payouts on one balance
- Checkout.com
- Acquiring and settlement; banking from other providers
- Anytime
- Payments, an Anytime Capital business account, employee cards, global payouts in 71+ countries and crypto and stablecoin liquidity on one balance
At a glance
Checkout.com in six lines
- Background
- Founded 2012 in London.
- Payout speed
- Not published; settlement terms are set by contract
- Payment methods
- Cards, wallets and local payment methods; stablecoin settlement for eligible US merchants since June 2026 (not in NY, VA, AK or PR)
- Fraud tools
- Fraud detection and Intelligent Acceptance decline optimisation; pricing not published
- Point of sale
- Online focus; no in-person rate published
- Support
- Not published; set by contract
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. Links, invoices and in-person payments from day one, payouts to your bank (instant where eligible), and QuickBooks Online or Xero sync.
- 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
Payouts
Getting paid out
Sales settle into your Anytime Capital Payments balance. From Payouts in the dashboard: 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 your automatic schedule, with each payout's expected arrival shown before you confirm.
- Standard, or instant where eligible
Payouts to your bank account
Withdraw your balance to your business bank account from Payouts whenever you like, or let automatic payouts follow your schedule. Instant delivery is offered when your account and bank are eligible, and each payout shows its expected arrival before you confirm.
- Instant, 24/7
Your Anytime Capital business account
Sweep settled sales into Anytime Capital business checking in seconds, nights and weekends included, and spend it the same minute.
- Seconds, any day
RTP and FedNow instant transfers
Push money to any US bank account that receives instant payments, around the clock, with confirmation the moment it lands.
- Same day
Domestic wire
Fedwire for large or time-critical payments: closings, inventory, payroll top-ups and anything a counterparty wants by wire.
- Same day or next day
ACH and same-day ACH
Low-touch transfers to any US bank account for vendors, contractors and your own accounts elsewhere, scheduled or on demand.
- Minutes to same day
Local rails in 71+ countries
Pay suppliers in their own currency over the rail they already use (SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money), with SWIFT for everywhere else.
- Minutes, including weekends
Stablecoins: USDC and USDT
Same-day on-chain transfers from your balance to a supplier, contractor or your own wallet, with no correspondent bank in the way.
- Same day
Crypto liquidity
Convert balance to bitcoin, ether, solana and other assets, or crypto back to dollars, at desk-quoted rates and send it out the same day.
- Instant
Employee and vendor cards
Fund physical and virtual business cards straight from your payments balance, with limits per person, team or merchant.
For developers and AI agents
A REST API described in OpenAPI 3.1, 25 signed webhook events, restricted API keys, an MCP server for AI agents and a Node SDK in preview, with every docs page available as Markdown.
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.
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.
One platform
Everything a business banks on, in one account
A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.
Operating accountAvailable
$482,310.55
- Account
- •••• 4821
- Routing
- •••• 0371
- Receive by
- ACH · Wire · RTP · FedNow
Weber FeinmechanikSEPA Instant€8,420.00Sending
Textiles OrtizSPEIMX$184,300Sending
Mehta Spice TradersUPI₹695,000Sending
Receive by ACH, wire, RTP and FedNow in your business's own name
Pay suppliers and contractors in 71 countries over the rail their bank already uses
SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money, with SWIFT everywhere else
Card sales land in the same balance the minute they settle
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
Integrations
Works with the tools you already run on
AI assistants, accounting, your website and the wallets in your customers' pockets.
Accounting
Download any date range as a file formatted for import, with fees, refunds and disputes as their own lines.
- QuickBooks OnlineFormatted export
- XeroFormatted export
Wallets
Take Apple Pay and Google Pay at every checkout, and add your employee cards to both.
- Apple PayAccept & spend
- Google PayAccept & spend
Built for AI-written code
Every docs page comes as Markdown with a ready integration prompt, so any assistant writes your checkout correctly.
- ChatGPTllms-full.txt
- ClaudeOpen in Claude
- GeminiMarkdown docs
- PerplexityMarkdown docs
- MistralMarkdown docs
Any website
Paste a Pay button or the checkout into any page, or use a plain link where a builder blocks scripts.
- WordPressPay button
- WebflowInline checkout
- SquarespaceCode block
- WixPay link
Questions
Checkout.com vs Anytime Capital: FAQ
Compare other payment processors
Where to go next
Important Disclosures
- Information about Checkout.com is drawn from its own published US pricing and pages (checkout.com/pricing, Checkout.com's FX documentation and blog, and its June 2026 stablecoin settlement announcement) as of October 2026. Prices and features change; where a figure was not published or Checkout.com's pages disagreed, this page says so rather than giving a number. Check current pricing before you decide.
- Anytime Capital and Checkout.com are independent companies. This page is not endorsed by, affiliated with or sponsored by Checkout.com. Third-party names, logos and trademarks belong to their owners and are used only to identify the company compared.
- Product views on this page are illustrations of the Anytime Capital dashboard and checkout; dashboard screenshots show a demonstration business with sample data.
- This comparison is for information only and is not financial, tax or legal advice.
- Banking, card, payment processing and payout services are provided by Anytime Capital's licensed partners; Anytime Capital is a fintech company, not a bank. Card and account features are subject to approval and to the terms shown at sign-up.
- 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.