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    3. Best payment processors
    4. Shopify Payments vs Anytime Capital

    Payment processor comparison

    Shopify Payments    vsAnytime Capital logo

    Shopify Payments vs Anytime Capital

    If your store runs on Shopify, Shopify Payments is usually the right processor for it, and on the Advanced plan its 2.5% + 30¢ online rate is lower than our standard 2.75% + 30¢. Anytime Capital Payments is for the money that does not go through the store: invoices, deposits, wholesale orders, payment links and in-person sales, paid out to your bank with an instant option where eligible. Here is the honest arithmetic.

    • 2.75% + 30¢ with no monthly plan fee
    • Instant payouts to an eligible bank
    • Invoices, deposits and links outside your store
    Claim 2.5% + 30¢ for 90 daysSee pricing

    Updated October 2026. Shopify Payments figures from its published US pricing; where a figure is not published, we say so.

    Wholesale roaster · pay.harborandpine.com

    pay.harborandpine.com
    Harbor & PineInvoice

    Wholesale order #1182

    12 × 5 lb Ethiopia Guji · net 15

    $384.00

    Pay
    or pay with card
    1234 1234 1234 1234
    • AMEX
    MM / YY
    CVC
    Pay $384.00

    Secure checkout by Anytime Capital

    Quick answer

    Is Shopify Payments cheaper than Anytime Capital?

    It depends on the plan, and on Advanced, yes. Shopify Payments charges 2.9% + 30¢ online on Basic, 2.7% + 30¢ on Grow and 2.5% + 30¢ on Advanced, against Anytime Capital Payments at 2.75% + 30¢ (2.5% + 30¢ for your first 90 days). Grow undercuts us by 0.05 points and Advanced by 0.25, but those plans cost $79 and $299 a month on yearly billing. On a Shopify store, any other processor adds a 2%, 1% or 0.6% third-party fee, so Shopify Payments usually wins there. Anytime Capital fits the sales outside your store, with no plan fee and an instant payout option to an eligible bank.

    Published fees

    Shopify Payments vs Anytime Capital fees, line by line

    FeeShopify PaymentsAnytime Capital
    Online card rate2.9% + 30¢ Basic, 2.7% + 30¢ Grow, 2.5% + 30¢ Advanced2.75% + 30¢ (2.5% + 30¢ for your first 90 days with the launch offer)
    In person2.6% + 10¢ Basic, 2.5% + 10¢ Grow, 2.4% + 10¢ AdvancedCustomers scan and tap to pay on their own phone; no terminal to buy or rent
    ACH bank paymentsNot publishedACH bank debit on payment links and invoices; current rate on the pricing page
    International cards+1% on international online transactionsMay carry an extra fee, shown in your dashboard before you accept the payment
    Currency conversion1.5% for US stores, per a Shopify blog postMay carry an extra fee, shown in your dashboard before you accept the payment
    Instant payoutNone to an outside bank; Shopify Balance in as little as 1 business dayInstant, 24/7, to your Anytime Capital business account
    Disputes$15 per chargeback (US)Shown in your dashboard; pre-dispute alerts can refund small payments automatically
    Monthly feePlan required: $29, $79 or $299 billed yearly ($39, $105 or $399 monthly)$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.

    What a $100 online card sale costs

    Percentage plus fixed fee, as a share of a $100 sale, at each published US rate

    • Anytime Capital
    • Shopify Payments
    0%2.5%5%Shopify Basic3.2%Shopify Grow3%Shopify Advanced2.8%Anytime Capital3.05%Launch offer, 90 days2.8%

    Shopify Payments: published US online rates as of October 2026. Anytime Capital: 2.75% + 30¢, or 2.5% + 30¢ for the first 90 days with the launch offer. Excludes international, currency-conversion, dispute and payout fees, and any monthly plan.

    What one online card sale costs at each published rate
    SaleShopify BasicShopify GrowShopify AdvancedAnytime CapitalLaunch offer, first 90 days
    $10$0.59$0.57$0.55$0.58$0.55
    $100$3.20$3.00$2.80$3.05$2.80
    $1,000$29.30$27.30$25.30$27.80$25.30
    Shopify fee calculatorWork out Shopify Payments's fee on any amount, or what to charge to receive one, beside the same sale at 2.75% + 30¢.

    Credit where due

    What Shopify Payments is genuinely good for

    • Merchants already running their store on Shopify, where any other gateway adds Shopify's third-party fee of 2%, 1% or 0.6% on top of that gateway's own rate.
    • Stores on the Grow or Advanced plans, whose 2.7% and 2.5% + 30¢ online rates are at or below ours.
    • Retailers who want online store, POS and inventory in one system.
    01

    On a Shopify store, Shopify Payments is usually the answer

    Shopify charges a third-party transaction fee when a store uses any processor other than Shopify Payments: 2% on Basic, 1% on Grow and 0.6% on Advanced, on top of whatever that processor charges. That fee alone is larger than any difference in card rates, which is why we do not suggest moving a Shopify store's checkout.

    Shopify Payments also ties orders, refunds, payouts and POS into the same admin. For a store that lives on Shopify, that is a real convenience.

    Balance · Anytime Capital Payments

    Available to pay out

    $248,310.42

    +$31,904.18 today · 412 payments

    Instant where eligible
    Your bankBusiness accountRTP & FedNowWireACH to vendors71+ countriesUSDC & USDTCryptoEmployee cards

    Payouts

      Payouts leaving an Anytime Capital Payments balance for the business's own bank, standard or instant where eligible. Illustrative product view.
      02

      What each plan costs once you count the subscription

      Counting only the plan fee and the online card rate, Shopify Advanced costs less than 2.75% + 30¢ once online card sales pass about $120,000 a month, and Grow once they pass about $158,000. Basic, at 2.9% + 30¢ plus $29 a month, costs more than 2.75% + 30¢ at every volume.

      Of course the plan also runs your store, so this is not the whole comparison. It is the right one for sales that never touch the store: a wholesale invoice, a deposit on a custom order, a payment link sent over text, a market stall.

      03

      Three business days, or an instant option

      Shopify Payments pays US merchants out on a minimum 3-business-day schedule, combines Friday-to-Sunday sales into one payout, and can hold higher-risk accounts for 5 to 20 business days. Payouts into Shopify Balance can arrive in 1 business day; there is no on-demand instant payout to an outside bank.

      With Anytime Capital Payments, you withdraw to your own bank whenever you like, and instant delivery is offered when your account and bank are eligible, priced before you confirm. Paying suppliers on local rails in 71+ countries from the same balance.

      04

      Running both

      The common setup among merchants who use both: Shopify Payments for the store's checkout, Anytime Capital for everything else. Invoices and deposits for wholesale buyers, custom orders and B2B accounts go out under your brand from the Anytime Capital dashboard, and their payouts go to the same bank account as your Shopify payouts, so the books meet in one place. Shopify payouts landing in an Anytime Capital business account, so the business sees one balance.

      • Wholesale and B2B invoices with deposits and partial payments
      • Payment links for custom orders, sent by text, email or QR code
      • In-person sales at markets and pop-ups with no extra hardware
      • QuickBooks Online and Xero sync for everything paid through Anytime Capital

      Side by side

      Shopify Payments vs Anytime Capital, row by row

      A green check marks the platform with the edge on that row. Anytime Capital leads on 5 of 11.

      Category
      Shopify Payments      		Anytime Capital logoOur pick
      Online card rate, Basic plan2.9% + 30¢ plus a $29–$39 monthly plan2.75% + 30¢ with no plan fee
      Online card rate, Advanced plan2.5% + 30¢ plus a $299–$399 monthly plan2.75% + 30¢; 2.5% + 30¢ for your first 90 days
      Monthly fee$29, $79 or $299 billed yearly; includes your online store$0: no monthly, setup or PCI fees
      In person2.4%–2.6% + 10¢ with Shopify POS hardware and Tap to PayKey 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
      Using another processor on a Shopify storeShopify adds a 2%, 1% or 0.6% third-party feeUse Anytime Capital for invoices, links and sales outside the Shopify store
      International and conversion+1% international online; 1.5% conversion (Shopify blog figure)May carry an extra fee, shown in your dashboard before you accept the payment
      Payout speed3 business days minimum to your bank; Shopify Balance in as little as 1; no instant payout to an outside bankPayouts 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
      Chargebacks$15 per chargeback (US)Shown in your dashboard; pre-dispute alerts can refund small payments automatically
      Payment methodsCards, Shop Pay and walletsCards, Apple Pay and Google Pay on every checkout; ACH on links and invoices; USDC and USDT by payment request
      Global supplier payoutsPayouts to your own bankLocal rails in 71+ countries plus SWIFT
      Business account, cards and payouts on one balanceShopify Balance, a business account for Shopify sellersPayments, an Anytime Capital business account, employee cards, global payouts in 71+ countries and crypto and stablecoin liquidity on one balance

      • Online card rate, Basic plan

        Shopify Payments
        2.9% + 30¢ plus a $29–$39 monthly plan
        Anytime
        2.75% + 30¢ with no plan fee

      • Online card rate, Advanced plan

        Shopify Payments
        2.5% + 30¢ plus a $299–$399 monthly plan
        Anytime
        2.75% + 30¢; 2.5% + 30¢ for your first 90 days

      • Monthly fee

        Shopify Payments
        $29, $79 or $299 billed yearly; includes your online store
        Anytime
        $0: no monthly, setup or PCI fees

      • In person

        Shopify Payments
        2.4%–2.6% + 10¢ with Shopify POS hardware and Tap to Pay
        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

      • Using another processor on a Shopify store

        Shopify Payments
        Shopify adds a 2%, 1% or 0.6% third-party fee
        Anytime
        Use Anytime Capital for invoices, links and sales outside the Shopify store

      • International and conversion

        Shopify Payments
        +1% international online; 1.5% conversion (Shopify blog figure)
        Anytime
        May carry an extra fee, shown in your dashboard before you accept the payment

      • Payout speed

        Shopify Payments
        3 business days minimum to your bank; Shopify Balance in as little as 1; no instant payout to an outside bank
        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

      • Chargebacks

        Shopify Payments
        $15 per chargeback (US)
        Anytime
        Shown in your dashboard; pre-dispute alerts can refund small payments automatically

      • Payment methods

        Shopify Payments
        Cards, Shop Pay and wallets
        Anytime
        Cards, Apple Pay and Google Pay on every checkout; ACH on links and invoices; USDC and USDT by payment request

      • Global supplier payouts

        Shopify Payments
        Payouts to your own bank
        Anytime
        Local rails in 71+ countries plus SWIFT

      • Business account, cards and payouts on one balance

        Shopify Payments
        Shopify Balance, a business account for Shopify sellers
        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

      Shopify Payments in six lines

      Background
      Shopify was founded in 2006 in Ottawa. Shopify Payments is available only to stores on Shopify.
      Payout speed
      A US minimum of 3 business days, with Friday-to-Sunday sales combined into one payout; higher-risk accounts can wait 5 to 20 business days. Payouts to Shopify Balance can arrive in 1 business day. No on-demand instant payout to an outside bank.
      Payment methods
      Cards, Shop Pay, Apple Pay, Google Pay and other wallets; USDC on Base was announced in June 2025, with availability to every merchant not confirmed
      Fraud tools
      Fraud analysis on orders in the Shopify admin
      Point of sale
      Shopify POS app and hardware, plus Tap to Pay
      Support
      Shopify merchant support and help center

      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.

      Claim 2.5% + 30¢See pricing
      • 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 days

      • Open an account

        Sign up online; most reviews finish within one business day.

        Sign up

      • Switch from Stripe

        Import customers, plans, discount codes, payment links and open invoices with a read-only key.

        See how switching works

      • Processing $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.

      Read the API docsOpenAPI and the Node SDKBuild with Claude and other AI tools

      Anytime Capital Payments

      2.75% + 30¢

      per card or wallet payment · 2.5% + 30¢ for your first 90 days

      • No monthly, setup or PCI fees
      • Payouts to your bank, instant where eligible
      • Live US business team
      Claim 2.5% + 30¢See full pricing

      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.

      1. Your website

        A Pay button, the checkout inline, or a hosted checkout on pay.yourbusiness.com.

      2. Checkout

        Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and ACH, in your logo and colour.

        • AMEX
        • ACH

      3. 3D Secure

        Customers confirm larger payments with their bank, which usually moves fraud liability to the issuer.

      4. Risk rules

        Block card countries, cap amounts and decline high-risk scores before the card is charged.

      5. Instant payout

        Settled sales land in your Anytime Capital bank account, nights and weekends included.

      Harbor & Pine · Wholesale order #1182$384.00 paid out to your bank account ••4821Processing

      3D Secure and risk rules, in the dashboard

      anytime-capital.com/dashboard/business/settings/risk
      Payment rules in the Anytime Capital dashboard: block card countries, require 3D Secure on payments of $500 or more, and a maximum amount per payment
      Add checkout to any website
      <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.

      See payment processing

      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.

      • Luna Hair Studio receipt for $258: balayage and cut, a deep-conditioning treatment and a $43 tip, paid with Apple PaySalons & spasThe receipt, with the tip and the salon's own thank-you messagePayments for salons & spas
      • Anytime Capital checkout for Northside Pilates' unlimited monthly membership at $149 a month with a 7-day free trialGyms & fitness studiosA membership plan's checkout, with its free trialPayments for gyms & fitness studios
      • Harbor Point Property Mgmt invoice INV-1107 for November rent on Unit 4B plus parking, $1,925 due November 1Property managementA rent invoice, with rent and parking as separate linesPayments for property management
      • Anytime Capital checkout for Riverbend Food Bank's winter food drive, with a suggested $50 giftNonprofitsA donation link: donors choose the amountPayments for nonprofits
      • Fresh Start Home Services quote Q-0218 for a $496 deep clean with oven, fridge and window add-ons, valid until November 4Home servicesA quote the customer accepts onlinePayments for home services
      • Golden Hour Photography quote Q-0094 for a $3,650 wedding collection and engagement session, accepted by Jordan RiveraPhotographers & videographersA quote, accepted online by the clientPayments for photographers & videographers
      • Crescendo Music & Tutoring invoice INV-0356 to a parent for four 45-minute math tutoring sessions and an SAT practice test review, $300Tutors & lesson teachersAn invoice to a parent for the month's sessionsPayments for tutors & lesson teachers
      • Little Acorns Learning Center invoice INV-2611 for two children's November tuition with a $105 sibling discount, $2,395 due November 1Childcare & daycareA family's monthly tuition invoice, with a sibling discountPayments for childcare & daycare
      • Wag & Whisker Pet Care receipt for $138: a full groom, nail grind and teeth brushing and a $23 tip, paid with Google Pay, with the pet's name BiscuitPet care & groomingThe receipt, with the tip, the pet's name and your thank-you messagePayments for pet care & grooming
      • Ridgeline Auto Care quote Q-1042 for a $666 brake job on a 2019 Honda CR-V: parts, two hours of labor and a brake fluid flushAuto 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.

      Fee calculator

      $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

      First 90 days at 2.5% + 30¢

      $1,426 instead of $1,551

      Claim the launch offer

      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 account

      Available

      $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

      See the bank account

      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
      Read the quickstart All docs
      Create a payment link
      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
      Connect the MCP server
      Claude Code · harbor-and-pine

      $ 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

      anytime-capital.com/dashboard/business/settings/developers
      Developer settings in the Anytime Capital dashboard: API keys, including one for Claude over MCP, and a webhook endpoint

      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
      anytime-capital.com/dashboard/business/reports
      Reports in the Anytime Capital dashboard: downloads formatted for QuickBooks Online and Xero, and a payouts file
      See reporting

      Wallets

      Take Apple Pay and Google Pay at every checkout, and add your employee cards to both.

      • Apple PayAccept & spend
      • Google PayAccept & spend
      See payment methods

      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
      Docs for AI assistants

      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
      See website checkout

      Questions

      Shopify Payments vs Anytime Capital: FAQ

      Shopify Payments against other processors

      • Shopify Payments vs Stripe

      Compare other payment processors

      • Best payment processors
      • Braintree vs Anytime Capital
      • Adyen vs Anytime Capital
      • Checkout.com vs Anytime Capital
      • Worldpay vs Anytime Capital

      Where to go next

      • Anytime Capital for Shopify stores
      • Anytime Capital Payments
      • Payments pricing
      • Credit card processing fee calculator
      • Claim 2.5% + 30¢ for 90 days
      • Payments for online stores

      Important Disclosures

      • Information about Shopify Payments is drawn from its own published US pricing and pages (shopify.com/pricing, help.shopify.com (payout timing) and Shopify's blog posts on chargebacks and currency conversion) as of October 2026. Prices and features change; where a figure was not published or Shopify Payments's pages disagreed, this page says so rather than giving a number. Check current pricing before you decide.
      • Anytime Capital and Shopify Payments are independent companies. This page is not endorsed by, affiliated with or sponsored by Shopify Payments. 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.
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