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How to view, cancel or dispute recurring card payments to merchants

What is a subscription?

A subscription is a recurring payment you have authorised with a merchant using your Capital on Tap card. These payments are automatically charged to your card at regular intervals by the merchant.

Subscriptions are different from automatic repayments, which are Direct Debit payments used to repay your Capital on Tap balance.

How do I view my active subscriptions?

Capital on Tap does not maintain a central list of your subscriptions, however you can consult your active subscriptions by reviewing your transaction history. Alternatively, you can consult the merchant in question and request more information.

To view recurring payments linked to your Capital on Tap card:

  1. Log in to the web portal or app;
  2. Navigate to Transactions;
  3. Look for recurring charges from the same merchant.

How do I cancel a subscription?

To cancel a subscription, you will need to contact the merchant directly.

Capital on Tap cannot cancel subscriptions on your behalf as the payment agreement is between you and the merchant.

I am being charged for a subscription I already cancelled. What should I do?

If a merchant charges your card after a subscription has been cancelled, you will need to contact them directly to confirm the cancellation and request a refund.

Capital on Tap can only intervene to raise a dispute after you have tried to resolve the issue with the merchant. Keep any cancellation confirmation emails or screenshots as evidence when raising a dispute.

Can I block a merchant from charging my card?

If you want to prevent a specific merchant from charging your Capital on Tap card, contact the merchant to cancel the subscription first. If the merchant continues to charge your card after cancellation, contact Capital on Tap support in the app or web portal.

What happens to my subscriptions if my card is cancelled or replaced?

If your card is cancelled or replaced, recurring payments will generally stop working until you update your payment details with each merchant.

Once you receive your new card, you can contact your subscription providers to update the card details.