Guides

Does Capital On Tap Have Section 75 Protection? (UK 2026)

By Afshin · 28 July 2026 · 5 min read

Section 75 of the Consumer Credit Act 1974 is one of the most powerful consumer protections in the UK — but it only applies to personal credit cards, not business ones. If you use Capital On Tap to pay a supplier who then goes bust or doesn't deliver, Section 75 won't protect you. Here's what does.

Why Section 75 Does Not Apply to Capital On Tap

Section 75 applies to consumer credit agreements under the Consumer Credit Act 1974. Business credit cards — including Capital On Tap — are exempt from the Act when the business is using the card for business purposes. This is the case for virtually all Capital On Tap transactions.

The result: if you pay a supplier £500–£30,000 on your Capital On Tap card and the supplier fails to deliver, you cannot claim against Capital On Tap under Section 75 as a consumer would against Barclaycard or AMEX on a personal card.

What Protection Do You Have Instead? Visa Chargeback

Capital On Tap is a Visa card, which means you do have access to the Visa chargeback scheme. This is different from Section 75 — it's a network-level dispute process rather than a statutory right — but it can still recover money in many situations.

Visa chargeback covers: goods or services not received, items significantly not as described, duplicate charges, unauthorised transactions, and merchant insolvency (within the chargeback window). The key difference: chargeback is not a legal right, it's a scheme rule, so Capital On Tap has more discretion over outcomes.

• ✅ Goods not delivered — chargeback available
• ✅ Duplicate or fraudulent charge — chargeback available
• ✅ Item significantly not as described — chargeback available
• ❌ Supplier went bust after delivering — chargeback unlikely to succeed
• ❌ You simply changed your mind — chargeback not applicable

How to Raise a Chargeback on Capital On Tap

To raise a dispute, log in to the Capital On Tap app or portal, find the transaction, and select 'Dispute this transaction'. You'll be asked for supporting evidence — screenshots, emails, delivery confirmations, or correspondence with the merchant.

You must raise a chargeback within 120 days of the transaction date (Visa's standard window). Acting quickly matters: the longer you wait, the harder it becomes to gather evidence and the less likely Capital On Tap are to accept the dispute.

Practical Tips for UK Business Owners

For high-value purchases (over £1,000) where supplier reliability is uncertain, consider using a personal credit card for that specific transaction if feasible — this would bring Section 75 into play. For routine business spend, Capital On Tap's Visa chargeback is adequate for fraud and non-delivery scenarios.

Always pay deposits and advance payments on a card rather than bank transfer for any new or unfamiliar supplier — at least chargeback gives you a route to dispute, whereas a BACS transfer gives you almost nothing if the supplier disappears.