How much is the Capital On Tap late payment fee?

The issuer's public product page does not state a late-payment amount. Check your current card agreement and statement for any charge or interest that applies to your account.

Will one missed Capital On Tap payment hurt my business credit score?

The issuer's public product page does not specify a universal reporting window for missed payments. Check your agreement and account information, and contact Capital On Tap promptly to ask how your specific account is affected.

Can I change my Capital On Tap Direct Debit date?

No. The Direct Debit always runs on your statement due date, which is fixed by your account anniversary. You can change which bank account it pulls from, but not when. If timing is a problem, switch to manual payment and pay early.

Does Capital On Tap accept Standing Orders instead of Direct Debit?

Capital On Tap technically accepts Standing Orders but doesn't recommend them — they don't auto-adjust for the variable monthly balance, so you'd over- or underpay. Direct Debit is the only payment method Capital On Tap can guarantee to clear the statement balance correctly.

How-to Guides

Capital On Tap Direct Debit & Payment Failure Fix

By Afshin · 10 May 2026 · 5 min read · Updated 2026-07-28

A failed Direct Debit can leave a statement unpaid and may have consequences under your card agreement. The issuer's public product page does not state a late-payment amount or a universal retry window, so check your current statement and agreement and contact Capital On Tap promptly if a payment fails.

Set up Capital On Tap Direct Debit

If you didn't set up a Direct Debit at application, you can add one any time through the cardholder portal:

Log in to business.capitalontap.com
Navigate to Account → Direct Debit
Enter your business bank account details (sort code, account number, account name)
Choose from the repayment options shown in your account and confirm the current terms
Confirm — the Direct Debit takes effect from the next statement cycle (current statement still requires manual payment)

Full balance vs minimum payment Direct Debit

Paying the full statement balance by the due date can avoid purchase interest where the agreement's conditions are met. A minimum payment leaves some balance unpaid, and interest may apply at the rate in your personalised offer. The issuer advertises rates as low as 13.86% variable APR; that is a lowest-available rate, not a representative or guaranteed rate.

If you are able to do so, paying the full statement balance by its due date can help avoid interest. Check the agreement for the payment amount, due date and interest conditions that apply to your account.

What happens when a Direct Debit fails

If a bank rejects a Direct Debit, the statement may remain unpaid. The issuer's agreement and your account information set out the applicable charges, interest, retry process and any reporting consequences; check them and contact Capital On Tap promptly.

Check your statement and agreement for any charge or interest that applies
Contact Capital On Tap to confirm the payment status and any retry or manual-payment options
Do not assume a particular retry period or that paying by a specific date will prevent credit-file reporting

How to fix a failed Direct Debit before credit file impact

There is no verified universal grace period for missed-payment reporting. Check the current account information and contact the issuer as soon as possible to confirm whether you should make a manual payment and what amount is due.

Then resolve the underlying bank issue, such as insufficient funds or an outdated mandate, and confirm with Capital On Tap that your Direct Debit details are correct.

Change or cancel a Capital On Tap Direct Debit

Use the account portal or contact Capital On Tap to check how to change or cancel a Direct Debit. If you cancel it, confirm how to make future payments and their due dates; any charges, interest or credit-file consequences are governed by your agreement and account information.

Frequently asked questions

How much is the Capital On Tap late payment fee?: The issuer's public product page does not state a late-payment amount. Check your current card agreement and statement for any charge or interest that applies to your account.
Will one missed Capital On Tap payment hurt my business credit score?: The issuer's public product page does not specify a universal reporting window for missed payments. Check your agreement and account information, and contact Capital On Tap promptly to ask how your specific account is affected.
Can I change my Capital On Tap Direct Debit date?: No. The Direct Debit always runs on your statement due date, which is fixed by your account anniversary. You can change which bank account it pulls from, but not when. If timing is a problem, switch to manual payment and pay early.
Does Capital On Tap accept Standing Orders instead of Direct Debit?: Capital On Tap technically accepts Standing Orders but doesn't recommend them — they don't auto-adjust for the variable monthly balance, so you'd over- or underpay. Direct Debit is the only payment method Capital On Tap can guarantee to clear the statement balance correctly.

Ready to apply?

Potential reward: 7,500 points worth £75 with code 2REFY893A52

Use the referral link; it carries the code. Check that the code appears in the application and enter it manually only if it is missing. Any reward is subject to current terms. See the full referral guide.

Apply with referral link →