Calculate your Bill Pay fees and cashback

Enter the bill amount, select your reward preference and whether you expect to be using preloaded funds when the bill is paid

Bill Pay lets you use your credit line where your credit card isn’t accepted

Effortlessly pay suppliers even if they don’t accept credit cards

• Pay rent, suppliers, contractors, and employees from your credit line
• Enjoy interest-free payment terms on any bill
• Earn up to 1.25% cashback*

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

© Copyright 2026. New Wave Capital Limited (trading as Capital on Tap) is a private limited company incorporated in England and Wales under registered number 07959823 which has its registered office at 27 Old Gloucester Street, London, England, WC1N 3AX. Capital on Tap is authorised and regulated by the Financial Conduct Authority (firm reference number 625592 in respect of consumer credit activities) and is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, firm reference 900922, for the issuing of electronic money. Capital On Tap is a registered trade mark of New Wave Capital Limited with the United Kingdom Intellectual Property Office. All rights reserved 2025. New Wave Capital Limited (trading as Capital on Tap) is not a bank. The Capital on Tap Instant Savings Account is powered by ClearBank; customers with an Instant Savings Account are introduced to ClearBank, with their deposits held by them as a ClearBank customer. Capital on Tap does not possess the customer's savings at any time, and customers can only view and manage their savings via Capital on Tap services. ClearBank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No. 754568).

Terms and Conditions

• 1.25% cashback is only available to Sales and Rewards Pro customers and applies only to eligible preloaded spend.
• To preload funds, customers must have an active E-Money Facility Agreement in place.
• Cashback is not earned on fees, refunds, reversed transactions, or ineligible bill types.
• Capital on Tap reserves the right to amend, withdraw, or extend this promotion or any of these terms and conditions at any time, with notice provided via email or on the Capital on Tap website.
• All capitalised terms used in these terms and conditions and not otherwise defined herein shall have the meanings assigned to them in the Bill Pay Agreement.

*Boosted 1.25% cashback is only available on preloaded spend for customers on Pro.