Is Capital On Tap covered by Section 75?

No, in almost all cases. Section 75 of the Consumer Credit Act 1974 covers individual consumers, not Ltd companies or LLPs. Since Capital On Tap is exclusively a business credit card, Section 75 does not apply to standard business purchases.

Can I claim a refund from Capital On Tap if a supplier goes bust?

Yes via Visa Chargeback, provided you paid for goods or services that were not delivered. File within 120 days of the expected delivery date through the cardholder portal — Capital On Tap will pursue the claim with Visa even if the merchant has entered insolvency.

How long does a Capital On Tap chargeback take?

Capital On Tap acknowledges and provisionally credits within 10 working days for clear-cut cases. Full Visa chargeback resolution takes 45-90 days, depending on whether the merchant disputes the chargeback (which triggers a 'representment' cycle).

What's the Capital On Tap fraud helpline number?

020 3733 5000 in UK office hours. For out-of-hours, freeze the card via the mobile app first (Account → Card Controls → Freeze) and call as soon as the line opens.

How-to Guides

Capital On Tap Section 75 & Refund Protection UK

By Afshin · 5 May 2026 · 6 min read

Section 75 of the Consumer Credit Act 1974 gives consumer credit cards joint-and-several liability with the supplier on purchases £100-£30,000. But Capital On Tap is a business credit card, and Section 75 specifically excludes most business spending. So what protection do you actually get? Here's the 2026 reality on chargebacks, dispute rights, and how to claim.

Why Section 75 doesn't apply to Capital On Tap

Section 75 of the Consumer Credit Act 1974 grants joint liability between the credit card issuer and the seller, but only where the cardholder is a consumer making a personal purchase. Limited Companies and most Limited Liability Partnerships are explicitly excluded — the protection is for individual consumers acting outside their trade, business or profession.

Capital On Tap is exclusively a Ltd / LLP business credit card, so Section 75 simply doesn't engage on a normal business purchase. There are narrow edge cases (e.g. a sole director paying for a personal item with the business card and not claiming it as a business expense) but these are rare and legally awkward to invoke.

What protection you do get: Visa Chargeback

Capital On Tap is a Visa card, so every transaction is covered by Visa's global Chargeback scheme. Chargeback is a card-network process, not a statutory right, but in practice it covers similar ground to Section 75 for most disputes:

Goods or services not delivered
Goods materially different from description
Defective or damaged on arrival
Duplicate billing
Charged after a cancellation
Unauthorised or fraudulent transactions

How to file a Capital On Tap chargeback

Capital On Tap handles chargebacks through the cardholder portal:

Log in to business.capitalontap.com
Find the disputed transaction in your statement
Click 'Dispute this transaction'
Select the dispute reason (non-delivery, defective, etc.)
Upload supporting evidence (emails, screenshots, delivery confirmation)
Capital On Tap typically responds within 10 working days; full Visa chargeback resolution takes 45-90 days

Capital On Tap chargeback time limits

Visa requires chargebacks to be filed within 120 days of either the transaction date or the expected delivery date (whichever is later). For services, this means 120 days from when the service was due to be performed. After that window, Capital On Tap cannot recover the funds even if you have a valid claim.

If a merchant promises a refund and then doesn't deliver, the 120-day clock can restart from the broken-promise date in some Visa rule interpretations — but don't rely on this. File as soon as you know the merchant won't honour the refund.

Fraud and unauthorised transactions

Fraud is treated separately from disputes. Capital On Tap has zero-liability protection on unauthorised transactions provided you report within 13 months of the statement date and you took reasonable steps to keep the card and PIN secure. For fraud, call Capital On Tap immediately on 020 3733 5000 (UK office hours) — they freeze the card on the call and credit the disputed amount within 5 working days while investigating.

Frequently asked questions

Is Capital On Tap covered by Section 75?: No, in almost all cases. Section 75 of the Consumer Credit Act 1974 covers individual consumers, not Ltd companies or LLPs. Since Capital On Tap is exclusively a business credit card, Section 75 does not apply to standard business purchases.
Can I claim a refund from Capital On Tap if a supplier goes bust?: Yes via Visa Chargeback, provided you paid for goods or services that were not delivered. File within 120 days of the expected delivery date through the cardholder portal — Capital On Tap will pursue the claim with Visa even if the merchant has entered insolvency.
How long does a Capital On Tap chargeback take?: Capital On Tap acknowledges and provisionally credits within 10 working days for clear-cut cases. Full Visa chargeback resolution takes 45-90 days, depending on whether the merchant disputes the chargeback (which triggers a 'representment' cycle).
What's the Capital On Tap fraud helpline number?: 020 3733 5000 in UK office hours. For out-of-hours, freeze the card via the mobile app first (Account → Card Controls → Freeze) and call as soon as the line opens.

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