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Whether you’re restocking inventory or paying for a recurring software subscription, extra security steps—while important—can sometimes slow you down. That’s why we’ve introduced Express Checkout, a feature for your Capital on Tap Business Credit Card that lets you skip the extra authentication step at merchants you trust.
What is Express Checkout?
Normally, when you make an online purchase, you might be asked to verify the transaction through a step called 3D Secure (3DS). You usually do this by approving a pop-up in your mobile app or entering an SMS code sent to your phone.
Express Checkout gives you the option to “trust” specific merchants you shop with regularly. Once a merchant is added to your “trusted list”, you can bypass the 3DS step for future purchases, allowing the transaction to authorise instantly.
Three simple ways to trust your regular merchants
You can add a merchant to your Express Checkout list in three ways:
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After a purchase: After you complete a 3DS-verified transaction at an eligible merchant, you’ll see an option to add them to your list immediately.
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Via your transaction history: Spot a regular supplier in your portal? Click on the transaction and select the option to add that merchant to Express Checkout.
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In your card settings: You can view, add, or remove trusted merchants at any time by heading to your card settings in the Capital on Tap portal.
Maintaining security through merchant eligibility
To keep your account safe, Express Checkout isn't available for just every website. We only allow this feature for merchants that meet specific security criteria.
While we are constantly growing the list of eligible businesses to make your spending more seamless, some merchants may not be eligible for Express Checkout yet if they don't meet our high-security standards.
Keeping you in total control
Express Checkout is built to provide speed without sacrificing the safety of your business funds:
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Your choice: No merchant is ever added to your trusted list automatically. You must take an explicit action to add them.
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Easy to reverse: Changed your mind or no longer use a specific supplier? You can remove a merchant from your list in seconds, and standard verification will resume immediately.
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Individual card management: Express Checkout works at the card level. This means if you have multiple cardholders on your account, each team member can manage their own list of trusted merchants based on their specific roles and spending habits.
The bottom line
Express Checkout is about removing the friction from your workday. By trusting the suppliers you use most, you can bypass repetitive authentication hurdles and get back to what matters—growing your business.
Whether you are managing supply chains or office overheads, this feature ensures that your most frequent transactions are as seamless as possible. By putting the power of merchant trust in your hands, we’re helping you create a bespoke payment experience that prioritises your time without compromising on the high-level security your business demands.
