FAQs

Your business is eligible for a Capital on Tap Business Credit Card if:

  • You are an active director of the company or majority shareholder of 25%+ ownership. If neither of these titles matches your role within the company we will unfortunately not be able to accept your application.
  • You and your business are based in the US (excluding Nevada)*.
  • Your business has an annual revenue of at least $30,000.

If you answered yes to all the above, click here to complete an application.

*Individuals and businesses based in Nevada are currently not eligible to apply for a Capital on Tap Business Credit Card

The daily withdrawal limit is 2 transactions, with a maximum cumulative value of $400. Please be aware that the $400 is inclusive of any ATM fees.

The Capital on Tap Business Credit Card has some restricted merchant categories that cannot be authorized due to the nature of business funding.

Spending isn’t supported at a small number of merchant categories in accordance with the Terms and Conditions. Examples include gambling-related activities, securities brokerage services, fines, wire-transfers, and purchasing foreign currency.

You are able to set spending limits on all employee cards (via the 'Cards' page in your portal). Currently, it’s not possible to block ATM transactions on your cards.

A specific upcoming payment can be canceled up until two business days prior to the payment due date. If you are trying to cancel a payment within two business days of your payment due date, it cannot be canceled. However, you will be able to give your bank a call and ask for this to be canceled. Please specify that you wish to cancel this payment only and not the whole mandate.

We do not currently have the option to update payment due dates, however, this is something we want to introduce in the future.

In the meantime, if you'd like to talk to us about your upcoming payment, just give us a call on 833-972-1323.

The Capital on Tap Business Credit Card, issued by WebBank offers free employee cards for your company. You can issue cards and set individual spending limits on them, from the Cards page in your portal.

The Capital on Tap Business Credit Card can be used at any merchant worldwide that accepts Visa, subject to merchant category restrictions. It can also make withdrawals from an ATM, subject to a max of $400 every 24 hours.

The most simple way to pay is with AutoPay, but you can also make a one-time payment at any point in the payments page of the account. Credit cards, other credit facilities, and balance transfers are not accepted as a form of payment. 

We do not accept payments from a PayPal account. However, you can make a one-off payment at any time by heading to the Payments page in your online account. 

You can use your Capital on Tap Business Credit Card, issued by WebBank, almost anywhere in the world, and at any seller who accepts Visa. Better still, there are no charges or commission on those transactions above the base exchange rate, and you don’t even have to notify us of your trip abroad!

However, there are a few countries where you can’t use your Capital on Tap Business Credit Card in compliance with obligations under national and international law. These restrictions are updated regularly in response to legislation and are subject to change - you can read more about these restrictions in your Business Credit Card Agreement.

We may occasionally restrict spending on your card where we believe doing so would protect you from unauthorized usage, or would be necessary for compliance with our regulatory obligations.

What will happen?

Any transactions will be automatically declined. We will endeavor to contact you to inform you of the reason why your payment was declined and may attempt to call you if we require any additional information. In case your card recently declined and you did not spend in any of these regions, please head over to our Card Decline Checklist to find out why.

Yes! The Android app is available to download from the Google Play store here and the iOS app from App Store here.

Your account is reviewed periodically to see if you qualify for a higher credit limit. As well as your payment history, all available credit and affordability information will be reviewed to ensure you're receiving the most suitable terms. These reviews are performed automatically, and you’ll receive an email if your terms have improved!

Click here to apply.

You can update some of your details by going to your details page in the top-right of your portal. For the details that you are unable to update online, please give us a call on 833-972-1323.

Just head to your Customer Portal and to the 'Cards' page. Follow the instructions there to change your PIN.

You can change your Payment option at any time via your online account. Simply login and head over to the 'Payment' page. Please note you will need to update your Payment option within your billing period in order for it to update in time for your next payment due date.

You can see your total outstanding balance, as well as your available balance on the Dashboard of your portal at any time.

To get in touch please call us at 833-972-1323 or email support@capitalontap.com. 

You’ll receive an email on the last day of your billing period letting you know when your AutoPay payment will process. You will also be able to view this information on your portal.

In order to log in to your account simply select the 'Login' button on the top right-hand side of our website. You will then need your email address and password in order to log in.

You can redeem your points via the 'Rewards' page on your portal.

If you would like to refer another business owner, please use the unique referral link that you can access from your online portal. Click 'Learn How' on your Dashboard. If you can’t find it, please contact support at 833-972-1323.

You'll earn $100 for every successful referral.

To complete an online purchase, please select the correct card type and ensure you use your business address as the billing address. Please then complete all other required fields online, all of which can be found on your physical card or in your portal for a virtual card.

The merchant will usually need your name, the 16-digit card number printed on the back of the card, the expiry date, and the card type which is Visa Credit. The expiry date is shown as the 'Valid Thru' or 'Expires/Ends' date. They may also request your CVV number, which is the last three digits on the signature strip of the card.

Some of your transactions may be authorized using a One Time Password (OTP). Please remember to never share your OTP over the phone, not even with a Capital on Tap employee.

Simply login and head over to the 'Transactions' page. Click on ‘Download Statements’ in the top right-hand corner. Click ‘Download’ next to the required statements. Additionally, you will receive your statement by email at the end of each billing period.

Payments are collected via AutoPay each month. All you need to do is make sure your AutoPay is set up in your account. 

There are three payment types: 

  • Full balance 

  • Minimum

  • Fixed Amount 

As long as you are paying at least the minimum amount by your payment due date each billing period, you do not need to make an early payment. If you pay your balance in full each month, you will not be charged any interest on purchases.

If you would like to change the frequency of your payments, you can select if you’d prefer payments to be processed on a monthly or weekly basis in your account. You can also make a one-time payment at any time via your online account. Simply login and head over to the 'Payments' page.

The Capital on Tap Business Credit Card is typically delivered in four business days from the completion of your account setup.

If it hasn't arrived by the seventh business day, please get in touch.

The funding costs depend on your variable interest rate and how long you want to borrow the funds for. Variable APR rates can range from 17.99% to 43.99%, based on creditworthiness. Your account is continually reviewed to see if you can be provided with a higher credit limit. You will receive an email if your offer changes. 

There are no joining, monthly, or annual fees with the Capital on Tap Business Credit Card.

There are  three different payment options to suit your preferences:

  • Monthly Minimum
  • Fixed Amount
  • Full Balance 

These will vary month on month depending on your outstanding balance. In the event that your balance is less than the Minimum Monthly amount, the remainder of your balance will be taken.

Please visit the 'Payments' page of your account for more details, or to make changes. You can change your payment option at any time, however, you will need to change this before the end of your current billing period in time for your next payment due date.

After applying, you’ll typically receive a decision within 24 hours. If approved, after completing the account setup, your physical card should arrive in just 4 business days. At that point, you can activate your card via your online account and start spending.

If you are having issues logging into your online account please make sure your username and password are correct. If you have forgotten your password, please use the "Forgotten Password?" option to reset your password.

If you are still having issues please get in touch and we will be happy to help.

Sometimes, we'll ask you to complete our identity verification process using a Passport or Driver's License. We recommend completing this on your mobile phone by logging in to your online portal and following the steps.

If you are having issues submitting your photo please check you have followed the online instructions and that your ID document is in date.

You will receive an email with the outcome of every submission. Please make sure when you reattempt you follow the email instructions. If you are still having continued problems please ring us  at 833-972-1323.

Go to the Login page and click 'Forgot password?' in order to reset your password. A reset password link will be sent to your email address.

Don't worry - any overpayment will go towards paying off your outstanding balance as soon as you start spending on your card again.

If you would like the amount to be refunded back to you, please get in touch at 833-972-1323.

If your card is lost or stolen, please login to your online account and either freeze your card or report your card lost or stolen, as soon as possible.

Please check your transaction history on your Activities page to make sure there are no transactions you do not recognize.

If there are no unauthorized transactions you can reissue your card online to your home address. Your new card should take 4 business days to arrive and you will need to activate it online.

If you do have unrecognized transactions please  call us immediately on 833-972-1323.

For security reasons there is a limited number of times you can incorrectly type in your PIN before your card is blocked. If this happens please log into your online account and view your correct PIN online via your 'Cards' tab. Please then go to any ATM and follow the PIN services option to unblock your PIN.

Capital on Tap will begin assessing late fees from 09/01/2022.

 

How much is a late fee?

$29

 

When will a late fee be assessed?

If a payment isn’t received within the 10 day courtesy period after your monthly due date. For example, if your monthly due date is 9/10/2022, and you make your payment 9/17/2022, you will not be assessed a late fee.

However, if you make the payment on 9/21/2022, you will be assessed a $29 late fee, as the payment was received outside of the 10 day courtesy period.

This will be applied to every payment that is missed.

 

Will I still be assessed a late fee if I am on a payment plan or arrangement?

Yes, if your payment is not received within the 10 day courtesy period after your payment plan due date, you will be assessed a late fee.

 

What is a courtesy period?

A 10 day period after your minimum payment is due, that you will not be assessed a late fee. It is a courtesy period and not a grace as interest will still accrue.

 

Will I be assessed a fee for setting up a payment?

Currently, we do not assess payment processing fees, although this may be subject to change at a later date.

You have three payment options which you can update each month to suit your preferences. You can select a Monthly Minimum, Fixed Amount, or Full Balance payment option. The exact amount will vary month on month depending on your outstanding balance. In the event that your balance is less than the minimum monthly amount, your full outstanding balance will be taken.

You can also make a one-off payment at any time by heading to the 'Payments' page of your account.

You can view your PIN in your account at any time. Simply sign in, head to the Cards page and click 'View PIN'.

You should only borrow money that you feel you can comfortably pay back. We don't like charging late fees and recommend you contact us on 833-972-1323 if you think you might not be able to make a scheduled payment. In the event we can't reach you, your account may incur additional charges for late payment as outlined in your funding agreement.

Log in to your Capital on Tap account and visit the Cards page to activate your card. On this page, you'll also be able to view your PIN and request additional cards.

If you have received a card for your employee, please give this card to them to activate.

They will have their own online portal where they can log in and activate their card. Once activated, they will be able to view their own transactions and track their spending.

Pending payments are payments that we have authorized on our side but that have not yet been authorized by the merchant. If the merchant does not authorize the payment the funds should automatically be returned to your account after 7-30 days.

The one-page application will ask for basic business and personal information. Once completed, your application will be reviewed to check that your business complies with regulatory requirements. If all conditions are met, you will receive  an email with your credit limit offer.

In some circumstances, further information may be required about your business such as business trading activity or the names and address of any additional business owners. You will be contacted within one business day via email if this is the case and informed of any requirements necessary to complete your application.

Your billing address is the business address registered to your Capital on Tap account.

Your username is the email address registered on your account.

A manual payment can be made at any time. Simply login and head over to the 'Payments' page.

The Capital on tap Business Credit Card can be used as soon as you have completed your account set up, received your physical card and have activated it.

The agreed amount should be refunded within one business day from the point it was requested. Depending on the agreement, the refund will either be sent to the bank account on file for you or directly credited to your Capital on Tap account balance. If it has been more than 7 business days since you requested the refund, please call us on 833-972-1323. 

 

After an AutoPay payment has been submitted, it will usually clear the following business day, which is typically  one business day after your payment due date.

The Capital on Tap Business Credit Card can be used almost anywhere in the world, and at almost any seller who accepts VISA. Better still, there are no charges or commissions applied on those transactions above the base exchange rate, and you don’t even have to notify us of a trip abroad! However, there are a few places that aren’t supported.

Spending is currently not supported at a small number of merchant categories in accordance with the terms and conditions. Examples include gambling-related activities, buying cryptocurrency or securities brokerage services.

There are a few countries where you can’t use your Capital on Tap Business Credit Card in compliance with obligations under national and international law. These restrictions are updated regularly in response to legislation and are subject to change.

At present, the countries not supported are Belarus, Cuba, Iran, Myanmar, North Korea, Russia, Syria, Ukraine, and Venezuela.

Your card spend may occasionally be restricted in order to protect you from unauthorized usage, or for compliance with regulatory obligations.

What will happen?

Any transactions will be automatically declined. You should receive an SMS to inform you of the reason your payment was declined. You may also receive a phone call if any additional information is required.

There is no fee for exceeding your approval amount, however, you will no longer have available funds to spend once you have exceeded your limit. In order to increase your available funds again, you would need to make a one-off payment to reduce your outstanding balance back below your limit. Alternatively, you can wait for your next monthly payment to be taken by ACH.

1. Have you recently set up or canceled your AutoPay?

If you have recently changed your payment details, please wait for your bank to confirm the new mandate, which should take no longer than 24 hours.

If your mandate was recently canceled, please reconfirm the same details on the 'Payments' page of your portal. If you need to update your mandate due to a bank account change, please give us a call on 833-972-1323.

2. Did you freeze your card or do you have a spending limit set on your card?

Don't worry! This can be changed in the Cards page of the online portal.

3. Has your card been activated?

If you have not yet activated your card, please do so on the Cards page of your portal.

Please make sure you complete a chip and PIN transaction before using contactless for the first time.

4. Are you attempting to use the card at an offline terminal?

Please be aware that your card will not work at any terminal that is offline. You will usually find offline terminals on gas station forecourts, in airplanes, or at car parking ticket machines, but otherwise, they are rare.

5. Have you requested a review of your limit, or are you in the process of onboarding?

We will be in touch within one business day with an update on your account as it remains inactive while under review.

6. Does the merchant fall into any of the restricted categories?

Some merchant categories are restricted, such as gambling, fines, wire-transfers or purchasing foreign currency.

7. Is the merchant located in a restricted country?

There are a few countries where you can’t use your Capital on Tap Business Credit Card in compliance with obligations under national and international law. These restrictions are updated regularly in response to legislation and are subject to change - you can read more about these restrictions in the Terms of Use.

Spend may occasionally be restricted to protect you from unauthorized usage, or where necessary for compliance with regulatory obligations.

8. Do you have an outstanding payment on your Capital on Tap Business Credit Card account?

Please pay the outstanding amount at your earliest convenience via the payments page in your account. If you are unable to make the payment then please call us at 833-972-1323.



If none of the reasons above explains your recent card decline, please contact us.

Yes, controls can be set on how much an employee can spend per billing period or per single transaction. Click on the 'Cards' page in your account, select the card and update the relevant spend control.

If your application for credit was declined, you will receive a statement of specific reasons within 30 days from when the application was submitted.

If your existing account was declined following a review, the statement of reasons was provided to you in the email informing you of the decline.

Unfortunately, it’s not possible to provide any additional clarification or detail on the reasons provided to you within the email, as the factors noted were used to make the decision.

You can read our blog with more information on the topic here.

If your limit was reduced following a review of your existing account, the reasons for this will have been provided to you within the email informing you of the reduction.

Unfortunately, it’s not possible to provide any additional clarification or detail on the reasons provided within the email, as the factors noted were used to make the decision.

You can read our blog with more information on the topic here.

A payment arrangement can be made to provide support when you are struggling to afford your contractual payments.

Payment arrangements can help to break your payments up into manageable amounts for a specific period of time. This can help you bring your account current or pay off your balance.

It’s important to know that payment arrangements will not protect you from all of the possible consequences associated with being late or missing payments. However, having an arrangement in place is better than simply missing your payment due date without communication, as it can help avoid late fees and the sale of your account to a third party.

Please also be aware that being delinquent increases your chances of having your limit reduced, or even having your account fully terminated with no further access to funds. It is therefore recommended that you keep up with your contractual payments if you can afford to do so.

It is possible that the card or funding eligibility criteria has changed over time, which could result in a change to the credit limit provided to your business. Your account activity will also factor into the decision made, which includes spend behavior and payments made. This could mean that you are now either eligible for a higher limit, a reduced limit, or you may no longer be eligible at all. 

Read our blog here, with more helpful information on what to do after you’ve been declined for credit, or had your limit reduced.

The decision can only be reconsidered if you have explicitly been given an option for reconsideration, within the email informing you of your decline.

If you have not been provided the option for reconsideration, you are able to reapply 6 months after the notification of your decline. However, any outstanding balance must be first paid in full before a new application is made.

If your limit has been reduced, your decrease won’t be reconsidered. However, your credit performance will continue to be monitored and your limit could be increased in future. You will be notified if your limit is increased.

Read our blog here, with more helpful information on what to do after you’ve been declined for credit, or had your limit reduced.

No. Your account will not be reported to credit agencies as over its credit limit if your limit was higher at the time when you were spending on your Capital on Tap Business Credit Card.

Yes. While you still have an outstanding balance, the amount can accrue interest. However,  if you pay your balance in full by your payment due date, your card balance will be interest-free.

Read our blog here, with more helpful information on what to do after you’ve been declined for credit.

You will continue to see your Capital on Tap Business Credit Card on your credit report while you have an outstanding balance, even if you no longer have access to funds. Once your balance is paid in full and your account is closed, it will be reported as such.

Read our blog here, with more helpful information on what to do after you’ve been declined for credit.

To close your account please email or call to begin this process. Note that accounts with outstanding balances must be paid in full before closure can be finalized, and the account will be suspended during this period. There are no fees to keep the Capital on Tap Business Credit Card account open if it has a zero balance. Once the account closure process has begun, it cannot be stopped.

A linked bank account is an account linked with your Capital on Tap Business Credit Card account via open banking. Linking bank accounts is a secure way for you to voluntarily give access to your financial information. This information is used to keep your details up-to-date and to make you eligible for automatic credit limit reviews. When you add a linked bank account we will check that you are the owner of that account and that you are authorized to link it.

Customers are encouraged  to link all accounts that are relevant to their business to receive the most relevant credit offers.

It’s easy to add a new bank account. Just navigate to the linked bank accounts page in “Your account” in your online portal and select “Add a new account” or “Add another account”.

Your information is not shared with any other third parties except where required by law or to meet regulatory requirements. We use bank-level security and the latest technology to keep your data private and secure.

Connection to bank accounts is provided by Plaid, the industry standard for securely connecting financial institutions. Plaid works directly with banks to create secure connections that put you in control. You can revoke or renew the link to your account at any time.

Linked bank accounts allow further insight into your business, making you eligible for automated credit limit reviews, meaning you could receive an increase in your credit limit. 

When you link a financial institution to your Capital on Tap Business Credit Card account, you choose the accounts within that financial institution or bank that will be connected. If you don’t want all of them to appear on your dashboard, you can choose them individually.

You can remove or unlink your external accounts. Just keep in mind that if you have multiple accounts from the same place, all of them will be removed. Simply navigate to the linked bank accounts page in “Your account” and select the institution you want to remove. Once selected you’ll see an option to remove the account.

If it has been 15 days since you were expecting to receive the goods or services, the dispute process can be initiated.

Firstly, you need to attempt a resolution directly with the merchant (ideally by email). Written communications are encouraged over phone calls, as this can be used as supporting documentation if a dispute case is opened.

If the merchant will not issue a refund, please contact us here to raise a dispute for a charge on your card.

From there, the team will gather some details about the dispute and open a case internally. They will contact you requesting further information/evidence, to support your case. 

Important Note: 

The Disputes Team requires evidence and information to support your dispute (I.e. receipts and copies of all your communications with the merchant). This is intended to strengthen your case and (or) is a requirement when submitting a chargeback through Visa.  

Funds are attempted to be recovered on your behalf via the chargeback process. While there is no guarantee that the money can be recovered through a chargeback, your claim will be assessed fairly.

Usually, a chargeback must be submitted within 120 days of the transaction date or the date you expected to receive the merchandise or services. However, you should not start a claim unless you have tried to get a refund directly from the seller.

Firstly, attempt to resolve the matter directly with the merchant (ideally by email) and request a refund. This can provide a quicker resolution. Written communications are encouraged over phone calls, as this can be used as supporting documentation if a dispute case is opened.

If the merchant will not issue a refund for the subscription fee, please get in contact here to raise a dispute for a charge on your card.

From there, the team will gather some details about the dispute and open a case internally. They will contact you requesting further information/evidence, to support your case. 

Important Note: 

The Disputes Team requires evidence and information to support your dispute (I.e. receipts and copies of all your communications with the merchant). This is intended to strengthen your case and (or) is a requirement when submitting a chargeback through Visa.  

Funds are attempted to be recovered on your behalf via the chargeback process. While there is no guarantee that the money can be recovered through a chargeback, your claim will be assessed fairly.

Usually, a chargeback must be submitted within 120 days of the transaction date or the date you expected to receive the merchandise or services. However, you should not start a claim unless you have tried to get a refund directly from the seller.

Firstly, contact the merchant directly (ideally by email) to discuss how the goods/services are defective or not as described. 

  • If you have purchased goods, you may need to return the merchandise for a refund. 

  • If you have purchased a service, you may need to cancel it and request a refund. 

Written communications are encouraged over phone calls, as this can be used as supporting documentation if a dispute case is opened.

If the merchant will not issue a refund, please get in touch here to raise a dispute for a charge on your card.

From there, the team will gather some details about the dispute and open a case internally. They will contact you requesting further information/evidence, to support your case. 

Important Note: 

The Disputes Team requires evidence and information to support your dispute (I.e. receipts and copies of all your communications with the merchant). This is intended to strengthen your case and (or) is a requirement when submitting a chargeback through Visa.  

Funds are attempted to be recovered on your behalf via the chargeback process. While there is no guarantee that the money can be recovered through a chargeback, your claim will be assessed fairly.

Usually, a chargeback must be submitted within 120 days of the transaction date or the date you expected to receive the merchandise or services. However, you should not start a claim unless you have tried to get a refund directly from the seller.

If you have canceled unused merchandise/services and the merchant has not processed a refund, you may be able to dispute this.

Firstly, you must contact the merchant directly (ideally via email) to discuss the cancellation and refund. Please ensure that you have canceled/returned the merchandise/services as per the merchant’s cancellation policy and(or) Terms & Conditions.

Written communications are encouraged over phone calls, as this can be used as supporting documentation if a dispute case is opened. It’s recommended to keep a record of all your communication, including your cancelation/return. 

Important Note: 

The Disputes Team requires evidence and information to support your dispute (I.e. receipts and copies of all your communications with the merchant). This is intended to strengthen your case and (or) is a requirement when submitting a chargeback through Visa.  

Funds are attempted to be recovered on your behalf via the chargeback process. While there is no guarantee that the money can be recovered through a chargeback, your claim will be assessed fairly.

Usually, a chargeback must be submitted within 120 days of the transaction date or the date you expected to receive the merchandise or services. However, you should not start a claim unless you have tried to get a refund directly from the seller.

If you have paid for the same merchandise or service in full twice, you may be able to dispute this. For example, if you have paid for a business service once via credit card and once via debit card. 

Proof of payments will be required showing that the same merchant received payment twice. It’s also recommended that you contact the merchant in the first instance, to allow them to resolve the issue. 

If you are unable to resolve the matter directly with the merchant, please get in touch here to raise a dispute for a charge on your card.

From there, the team will gather some details about the dispute and open a case internally. They will contact you requesting further information/evidence, to support your case. 

Important Note: 

The Disputes Team requires evidence and information to support your dispute (I.e. receipts and copies of all your communications with the merchant). This is intended to strengthen your case and (or) is a requirement when submitting a chargeback through Visa.  

Funds are attempted to be recovered on your behalf via the chargeback process. While there is no guarantee that the money can be recovered through a chargeback, your claim will be assessed fairly.

Usually, a chargeback must be submitted within 120 days of the transaction date or the date you expected to receive the merchandise or services. However, you should not start a claim unless you have tried to get a refund directly from the seller.

To initiate a Dispute related to your Capital on Tap Business Credit Card, get in touch here.

Information regarding your dispute is required to open the case. Supporting documentation (such as, but not limited to, Invoices, email communications with the merchant, and return details) will also be required to validate your claim, as outlined by Visa here.

Once a chargeback has been submitted, the merchant will have 30 days to review the claim along with the supporting documentation. 

If they believe that a refund is due, the merchant will accept the chargeback. However, the merchant can also provide their own supporting information to decline the chargeback. 

What is a Chargeback? 

A chargeback is a method available to Visa card issuers, as an attempt to recover your funds from a merchant. If a merchant is unable or unwilling to provide a refund, Capital on Tap can review your case and determine whether a chargeback can be pursued.

Funds are attempted to be recovered on your behalf via the chargeback process. While there is no guarantee that the money can be recovered through a chargeback, your claim will be assessed fairly.

On average, the Chargeback process can take between 30-100 days. However, in some scenarios, this can take longer.  

Capital on Tap will never call you to request secure codes you have received via SMS.

Please get in touch here as soon as possible to report any unauthorized activity on your account.

Note: If you are ever unsure about the legitimacy of a call from Capital on Tap, it’s recommended to terminate the call and call back via the number on our website. Please visit our blog here for information on how to protect you and your cardholders.

In the first instance, research the merchant; 

  • Some merchant trading names and legal names may be different, therefore, please compare any unrecognized transactions to the relevant statement.

  • Google the merchant, to find further information on what service/goods they provide.

  • Check with anyone else in the business or at home who may have access to your card, to confirm if they completed the payment. 

  • Consider if the unrecognized transaction is a subscription payment that you did not anticipate to be charged to your card. 

  • If you have an account with the merchant in question, contact that merchant to discuss the charge, as they may be able to provide more information on what the charge is concerning. 

  • Check all Invoices, Receipts and Order confirmations to ensure you cannot find any documentation matching the merchant name or amount of the disputed transaction(s). 

Following the above, If you are unable to verify the charge in question, please log in to your account immediately, head over to the Cards page and freeze the card in question.

Please get in touch here as soon as possible to report any unauthorized activity on your account. 

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