Use Bill Pay where your credit card isn’t accepted

Pay suppliers, rent, utilities, and employees from your credit line.

Earn up to 1.25% cashback with a 2% fee, or pay a 1% fee with no cashback*
Enjoy interest-free payment terms on any bill
Schedule one-off or recurring payments

Bill Pay Home View on Desktop with Moneyfacts 5-Star Product Rating

Trusted by over 200,000 businesses

Practical credit limits up to £250,000

Rates as low as 13.86% APR (variable)

Auto-sync with accounting software

What is Bill Pay?

Bill Pay lets you pay suppliers, rent, utilities, and employees from your Capital on Tap credit line via bank transfer, even where cards aren't accepted. Set up a one-off payment or automate recurring bills.

To join the waitlist for Bill Pay, fill in your details below.

By clicking submit you confirm you have read and accepted the Privacy Policy, and agree to receive communications about Bill Pay.

How does Bill Pay work?

Paying bills where credit cards aren't accepted has never been easier!

Add a new bill

Upload a photo of your invoice or payslip - we'll fill in the payment details for you.

Confirm and schedule

Check the payment details, pick a date, and confirm. For recurring bills, set it to repeat automatically.

Earn cashback or keep fees low

Before you confirm, pick your fee - 2% to earn cashback*, or 1% to keep it simple.

Woman Holding A Capital On Tap Business Credit Card Next To A Scheduled Bill Payment

Bill Pay fees

For Free customers, both fee options cost the same net.

2% fee: earn 1% back in cashback - net cost 1%
1% fee: no cashback - net cost 1%

Pro customers earn 1.25% back with the 2% fee on Preloaded spend or Daily Repay through Smart Repay, bringing the net cost down to 0.75%.

Rated excellent by our customers

4.9/5 Apple App Store

4.9/5 Google Play Store

4.7/5 Trustpilot

Person Reviewing Paper Invoices Next To A Laptop Showing The Capital On Tap Dashboard, With Notifications Confirming 10,000 Points Earned

Choose how you earn

With the 2% fee option, earn 1% back in cashback on every Bill Pay payment - or 1.25% as a Pro customer on preloaded spend.* Redeem for cashback, gift cards, or air miles.

A Man Looking At His Tablet Showing An Invoice For £12,000 Marked As Paid

Consolidate spending

All your Bill Pay transactions sit alongside your card spend in one place. See who has been paid, when, and for how much - no switching between apps.

Maximise cash flow

Pay suppliers now and use your interest-free credit period to manage the gap between when bills fall due and when your customers pay you.

Account integration

Your Bill Pay transactions sync automatically to your accounting software alongside your card spend - Sage, Xero, QuickBooks, FreeAgent and more. No manual reconciliation needed.

Real human support, whenever you need it

Your business doesn’t sleep, and neither do we. Contact us at any time to talk to a real person, who’ll answer in 10 seconds or less.

We’re available 24/7 to handle all of your questions and concerns.

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Why choose Capital on Tap?

Over 200,000 small business customers have spent more than £20 billion on their Capital on Tap Business Credit Cards.

Our customer stories prove why we are the best choice for your business credit card needs.

Trusted by over 200,000 businesses

Capital on Tap reviews

Join the Bill Pay beta now

By clicking submit you confirm you have read and accepted the Privacy Policy, and agree to receive communications about Bill Pay.

* A 2% fee applies per Bill Pay payment. Earn 1% cashback on standard spend, or 1.25% on preloaded spend as a Pro customer. Alternatively, choose the 1% fee option (where available in your Online Portal) with no cashback.

Page last reviewed on 08 July 2026

by Arianna Colomb