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Everything you need to know about Capital on Tap, our cards and services
Yes, spending is not supported for a small number of merchant categories due to the nature of business funding.
These restricted categories include gambling-related activities, securities brokerage services, fines, wire transfers, and the purchase of foreign currency.
No, there are no annual or monthly fees for the Capital on Tap Business Credit Card. However, other fees such as late payments or cash advances, may apply.
Business Credit Card Agreement and Rewards Terms and Conditions apply.
A decision can only be reconsidered if you were explicitly given that option in the email informing you of the decision. If your limit was decreased, it cannot be reconsidered, but your account will continue to be monitored for future increases. If your account was closed, you may be able to reapply after six months, provided any outstanding balance has been paid in full.
No, it is not currently possible to specifically block ATM transactions on your cards. However, you can control overall spending by setting individual spending limits on all employee cards through the 'Cards' page in your online portal.
Yes, you can cancel a specific upcoming AutoPay payment up to two business days before its scheduled due date.
If you are within two business days of the due date, you will not be able to cancel it through the portal. In this case, you can contact your bank directly to request they stop that single payment. Be sure to specify that you only wish to cancel the one upcoming payment and not your entire AutoPay authorization.
No, we do not accept payments from a PayPal account. You can make a payment at any time by logging in to your online account and visiting the 'Payments' page.
Yes, you are encouraged to link all bank accounts relevant to your business. This gives us a more complete financial picture, which can help you receive the most suitable credit offers. You can add a new business bank account at any time from the 'Linked bank accounts' section of your portal.
No, it is not currently possible to change your payment due date. We plan to introduce this feature in the future.
If you need to discuss an upcoming payment, please give our support team a call at 833-972-1323.
The Capital on Tap Business Credit Card offers free, unlimited employee cards for your company. You can issue new cards and set individual spending limits for each team member directly from the 'Cards' page in your online portal.
You can apply for the Capital on Tap Business Credit Card through our simple online application. To start your application, click here.
You can update some of your personal and business details directly through the 'Details' page in your online Capital on Tap portal. For security reasons, certain details cannot be changed online. To update these, please call our support team at 833-972-1323.
You can change your AutoPay payment option at any time in your online account. Simply log in and go to the 'Payments' page to make your selection.
Please be aware that removing your AutoPay will suspend access to your Capital on Tap Business Credit Card. To ensure the change takes effect for your next payment, please update your selection before your current billing period ends.
You can view your total outstanding balance and your available credit at any time on the Dashboard of your online portal.
To close your account, please call or email our support team to begin the process. Any outstanding balance must be paid in full before the closure can be finalized. Please note that once the closure process has begun, it cannot be reversed.
You can contact our customer support team via live chat on our website, by calling us at 833-972-1323, or by sending an email to support@capitalontap.com.
You must first contact the merchant to try and resolve the issue, which may involve returning the merchandise for a refund. If you cannot reach a resolution with the merchant, please contact us to raise a dispute. We will need evidence, such as photos of the item and copies of your communication with the seller, to open a case.
If it has been 15 days since you expected to receive the goods or services, you should first try to resolve the issue directly with the merchant. If the merchant will not issue a refund, please contact our support team to initiate a dispute. We will require evidence, such as receipts and your email communication with the merchant, to support your case.
First, contact the merchant directly to request a refund for the charge made after you canceled. If the merchant refuses to refund you, please contact our support team to open a dispute. Be prepared to provide proof of your cancellation request and any communication with the merchant.
First, confirm that you canceled the order according to the merchant's cancellation policy and have given them adequate time to process the refund. If they fail to do so, please contact our support team to initiate a dispute. You will need to provide proof of cancellation and your attempts to resolve the issue with the merchant.
If you have been charged twice for the same item or service, you should first contact the merchant to request a refund for the duplicate transaction. If you are unable to resolve the issue directly with them, please contact us to open a dispute. You will need to provide proof of both payments.
You can download your statements at any time from your online portal.
Log in and navigate to the 'Transactions' page.
Click ‘Download Statements’ in the top right corner.
Click ‘Download’ next to the statement you need.
You will also receive your statement by email at the end of each billing period.
You can log in to your account by clicking the 'Login' button on the top right of our website. Your username is the email address registered to your account.
You can earn $100 for every successful referral by sharing your unique referral link. To find your link, log in to your online portal and click 'Learn How' on your Dashboard. If you need help finding it, please contact support at 833-972-1323.
Business Credit Card Agreement, Referral Terms , and Rewards Terms and Conditions apply.
You can redeem your points at any time through the 'Rewards' page in your online portal. From there, redeem your points as a statement credit onto your Capital on Tap Business Credit Card account to reduce your balance, or redeem them for gift cards.
Business Credit Card Agreement and Rewards Terms and Conditions apply.
You can remove a linked bank account at any time. Navigate to the 'Linked bank accounts' page in your online portal, select the financial institution you want to remove, and you will see an option to unlink it. Note that this will remove all accounts from that specific institution.
You do not need to request a credit limit increase, as your account is reviewed automatically and periodically. These reviews consider your payment history and other criteria to ensure you have the most suitable credit limit. We will notify you by email if you become eligible for an increase.
To reset your password, go to the Login page and click the ‘Forgot password?’ link. A password reset link will be sent to the email address registered to your account.
To use your card online, select Visa as the card type and use your registered business address as the billing address. All other required information, like the card number and CVV, can be found on your physical card or within your portal for a virtual card.
To make a purchase over the phone, you will need to provide the merchant with your name, the 16-digit card number, the expiration date, and the 3-digit CVV number from the back of your card.
A late fee of $29 is charged if your minimum payment is not received within the 10-day courtesy period after your monthly due date.
For example, if your payment is due on September 10th and you pay on September 17th, you will not be charged a fee. If you pay on September 21st, the $29 fee will be assessed. Interest will still accrue during the courtesy period.
There are three payment types:
Full balance
Minimum
Fixed Amount
As long as you are paying at least the minimum amount by your payment due date each billing period, you do not need to make an early payment. If you pay your balance in full each month, you will not be charged any interest on purchases.
If you would like to change the frequency of your payments, you can select if you’d prefer payments to be processed on a monthly or weekly basis in your account. You can also make a one-time payment at any time via your online account. Simply login and head over to the 'Payments' page.
Your data is protected with bank-level security. We do not share your information with third parties except where required by law. The connection to your bank account is managed by Plaid, which uses secure, encrypted technology that puts you in control. You can revoke access at any time.
Your minimum payment amount varies each month depending on your outstanding balance. You can see how your payment is calculated on the 'Payments' page of your online account.
Business Credit Card Agreement applies.
The information from your linked bank accounts gives us better insight into your business's financial health. This makes you eligible for automated credit limit reviews, which could result in a credit limit increase.
Our application process is streamlined to get you a decision as quickly as possible. Some applications may require further review and take longer. If approved, your physical card will arrive in about four business days after you complete the account setup, at which point you can activate it and start spending.
Your Capital on Tap Business Credit Card is typically delivered within four business days after you complete your account setup. If your card has not arrived by the seventh business day, please contact us.
If you are due a refund from us (for example, from a credit balance), our team will process the request promptly. Once the refund is sent, the funds should appear in your bank account within an estimated three to five business days, as processing times can vary between banks.. If it has been more than seven business days since your request was approved, please call us at 833-972-1323.
You are required to make at least the minimum payment by the due date of each monthly billing period. As long as the minimum amount is paid, you do not need to pay off your balance sooner. If you pay your balance in full each month, you will not be charged any interest on purchases.
No, your account will not be reported to credit bureaus as being over its credit limit, provided your balance is not higher than your last approved credit limit.
Yes, your outstanding balance can still accrue interest until it is paid in full, as outlined in your Business Credit Card Agreement. If you pay the balance in full by your next payment due date, you will not be charged interest on purchases.
Yes, your Capital on Tap Business Credit Card account and payment history will continue to be reported on your commercial credit report as long as you have an outstanding balance. Once the balance is paid in full, the account will be reported as closed. If the account goes into default on your payment, this may be reported to the guarantee’s personal credit file.
Yes, your Capital on Tap Business Credit Card is equipped for contactless payments. You can tap to pay at any merchant worldwide that accepts Visa and has contactless terminals.
Yes, the Capital on Tap app is available for both iOS and Android devices. You can use the app to manage your account, track spending, view your PIN, and more.
Download for iOS from the App Store.
Download for Android from the Google Play Store.
No, there is no over-limit fee. Once you have reached your limit, any new transactions will be declined until a payment is made to free up your available credit.
A linked bank account is a business bank account that you securely connect to your Capital on Tap account via Plaid. This provides us with up-to-date financial information, which helps to determine any credit limit adjustments.
Your monthly payments are collected automatically via AutoPay from your connected bank account. You can choose from three AutoPay settings to suit your business needs:
Full Balance
Fixed Amount
Monthly Minimum
You can also make a one-time manual payment at any time from the 'Payments' page in your portal.
A payment arrangement is a plan to help you manage your payments if you are struggling to pay your bill. These arrangements can break your payments into more manageable amounts over a specific period. An arrangement can help you avoid late fees but may not prevent other consequences, such as a credit limit reduction.
The daily ATM withdrawal limit is $400 across a maximum of two transactions. This $400 limit is inclusive of any fees that may be charged by the ATM operator.
Your borrowing costs depend on your variable APR. Our variable APRs range from 17.24% to 86.74%, based on creditworthiness. Your account is periodically reviewed, and we will email you if your offer changes. Please see your Business Credit Card Agreement for full details.
When an employee receives their card, they must activate it themselves. Employees have their own separate online portal where they can log in to activate their card, view their PIN, and track their own spending and transactions.
Any credit balance on your account will automatically be applied to your next statement, reducing the amount you owe. If you have no outstanding balance, the credit will be applied to your future card spending. If you prefer to have the amount refunded to your bank account, please call us at 833-972-1323 to request a transfer.
Our simple application asks for personal and business information. Applying won't impact your personal credit score, and requires a personal guarantee. After you submit your application, we review it to verify the information provided and evaluate your request for credit.. In some cases, we may email you within one business day to request further information, such as proof of business trading activity.
A pending transaction is a payment that has been approved by us but has not yet been fully processed by the merchant. The funds are held but not yet transferred. If the merchant doesn't complete the charge, the pending transaction will expire and the funds will be returned to your available credit, which typically takes 7-30 days.
Your username is the email address that is registered to your Capital on Tap account.
Your billing address is the primary business address that is registered to your Capital on Tap account.
The dispute process, also known as a chargeback, allows us to attempt to recover funds from a merchant on your behalf.
Contact Us: Contact our team to initiate the dispute.
Provide Evidence: You will need to provide supporting documents, like receipts and emails.
Chargeback Submitted: We submit the case to Visa, and the merchant has 30 days to respond.
While there is no guarantee of success, we will assess your claim fairly. The process can take between 30-100 days on average.
You can only pay your Capital on Tap Business Credit Card bill using a direct debit from your business bank account or a debit card. The easiest way to pay is by setting up AutoPay. You can also make a one-time payment anytime from your bank account or debit card via the 'Payments' page in your portal.
You can securely view your PIN at any time in your online account. Simply sign in, navigate to the 'Cards' page, and click 'View PIN'.
Capital on Tap will never call you to ask for secure codes you have received via SMS. If you receive such a call, it is a scam. Hang up immediately and contact us to report the incident. If you are ever unsure about a call, hang up and call us back using the number on our official website.
If you have trouble logging in, please double-check that you are using the correct email address and password. If you have forgotten your password, use the ‘Forgot password?’ link on the login page to reset it. If you still have issues, please contact our support team for assistance.
If we ask you to verify your identity with a Passport or Driver's License, we recommend using your mobile phone to log in to your portal and follow the steps. If your submission fails, check that your ID is not expired and that you followed all instructions. You will receive an email after each attempt. If you continue to have problems, please call us at 833-972-1323.
If you think you might not be able to make a scheduled payment, please contact us immediately at 833-972-1323 to discuss your options.
Missing a payment may lead to a late payment fee and negative credit reporting to your business and personal credit files. Missing three or more minimum monthly payments could cause your account to default, at which point it may be sold to a debt purchaser. We're here to help. We strongly encourage you to reach out to talk about a solution that works for you.
If you see a charge you don't recognize, first try to identify the merchant, as their billing name may differ from their brand name. A good next step is to check with any employees who have a card on the account. If you still cannot verify the charge, log in to your account immediately, freeze the card on the 'Cards' page, and contact us to report potential unauthorized activity.
If your card is lost or stolen, you must secure it immediately.
Log in to your online account as soon as possible.
Navigate to the 'Cards' page and choose to either freeze your card or report it lost or stolen.
Review your recent transactions for any unauthorized charges.
If you see unrecognized transactions, call us immediately at 833-972-1323. If there are no suspicious charges, you can reissue a new card to your address directly from your portal.
You can start using your Capital on Tap Business Credit Card as soon as you receive the physical card and activate it in your online portal.
After your AutoPay payment is submitted, the funds should clear and be credited to your balance within an estimated one to two business days, as processing times can vary between banks.
Your AutoPay payment will process after your billing period ends. You will receive an email on the last day of your billing period confirming the exact date your payment will be processed. This information is also available in your online portal.
You can use your Capital on Tap Business Credit Card anywhere in the world that accepts Visa, and you do not need to notify us before you travel abroad.Better still, there are no foreign transaction fees on purchases made internationally.*
However, there are some restrictions:
Restricted categories: We do not support spending in certain merchant categories, such as gambling services or wire transfer money orders.
Restricted countries: For legal and compliance reasons, your card will not work in the following countries: Algeria, Angola, Bulgaria, Burkina Faso, Cameroon, Côte d'Ivoire, Croatia, Haiti, Iran, Kenya, North Korea, Lao PDR (Laos), Lebanon, Mali, Monaco, Mozambique, Myanmar, Namibia, Nepal, Nigeria, South Africa, South Sudan, Syrian Arab Republic, Tanzania, The Democratic Republic Of The Congo, Venezuela, Vietnam, and Yemen.
* Business Credit Card Agreement and Rewards Terms and Conditions apply.
To apply for the Capital on Tap Business Credit Card , you and your business must meet the following minimum requirements:
Your Role: You are an active director or a majority shareholder with at least 25% ownership.
Location: You and your business are based in the United States. Businesses in Nevada, North Dakota, South Dakota, and US territories are not currently eligible to apply.
If your business meets these minimum criteria, you can apply here.
Please ensure you meet these requirements to submit an application, but note that doing so is not a guarantee of approval.
Your credit limit can change based on factors beyond your credit report. We periodically review all accounts to ensure they continue to meet our eligibility criteria, which can change over time. This review considers many factors, including your account activity with us, your spending behavior and payment history. Based on this regular assessment, your account may be subject to a credit limit increase, a credit limit decrease, or account closure.
A card transaction can be declined for several reasons. Before contacting us, please check the following:
Card Status: Is your card frozen or has a spending limit been reached? You can check this on the 'Cards' page of your portal.
Card Activation: Has the new card been activated? This must be done in the portal.
Account Status: Is there an overdue payment on your account? Please check the 'Payments' page.
Restricted Merchants: Does the purchase fall into a restricted category (e.g., gambling) or a restricted country?
If none of these reasons apply, please contact us for assistance.
If your credit limit was reduced following an account review, the specific reasons for this decision were provided in the email you received. If you are unable to find the email then please call us at 833-972-1323.
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