Capital One Bill Pay puts you in the driver’s seat with your finances, offering a convenient and secure interface to pay all your bills in one place and on your schedule. With a network of connections to thousands of billers, you have more options than ever to pay your bills online or by mail.
In just a few taps, make a one-time payment, set up AutoPay, and stay on schedule.
How do I set up a biller?
- Sign in to capitalone.com or open the Capital One app
- Select your Capital One checking account
- Select “Pay Bills”
- Select “Add a Biller”
- When adding a biller for the first time, additional information about the biller and the account will be requested
Why do I have to add a biller before I make a payment?
Adding a biller is the first step in making a payment. Once you’ve added a biller, you will be able to make payments quickly and easily, month after month. Adding a biller through our network/directory allows you to pay bills with a wider variety of options both online and by mail.
I can’t find my biller using the search. How do I pay them?
If the biller isn't coming up in the search, try an alternate spelling or acronym instead. If you still can't find it, you have the option to enter their information manually and we’ll pay them by paper check.
Why do I have to provide my account number?
In some cases we need additional information about a biller account, like your account number, to ensure your payments are correctly received and processed by that biller.
My biller doesn’t use account numbers. Am I still able to pay this biller?
Not all billers provide an account number–like a landscaper, nanny or pet sitter. Leave the field blank and we’ll pay them by paper check for these transactions.
Where can I find my biller’s address and why is this needed?
A biller’s address is the address used for paper check payments delivered by mail and can usually be found on your monthly bill statement. When a biller is unable to accept electronic payments, this address ensures a check can be delivered to pay your bill.
Why doesn’t the biller’s address in Bill Pay match the one on my bill?
Your biller's address should reflect the address on your biller's statement. To save you time, Capital One may attempt to locate an address for your biller. If the address is not correct, please select the correct address from the list of suggestions or enter the address manually.
How do I schedule a payment?
When you add a biller in the Bill Pay system, you will have the option of searching for them in our Bill Pay directory, or entering their information manually to send a check by mail. Only billers found in our directory are registered with Bill Pay to receive electronic payments. Manually added billers will receive a paper check by mail.
Note: Selecting a biller from our directory does not guarantee electronic payment.
For various reasons, your payment may be sent as check instead of electronically or vice versa. Payment method is determined after payment processing begins and can neither be set nor switched by humans (you or us).
To schedule a payment, sign in to your online account, select "Pay Bills" and choose an existing biller from the “Billers” list. Billers must be added through directory search or manually before paying a bill.
How long will payments take to deliver?
Capital One Bill Pay will deliver payments as quickly as possible. Making payments electronically is our first priority, posting either the same day or the next business day.
Payments that cannot be delivered to a biller electronically will be made by paper check and may take up to seven business days for delivery.
Check payments may take up to seven business days for delivery. Additional processing time may be added based on individual biller requirements for processing checks.
What is an electronic payment?
Electronic payments are posted the same day with a virtual card or on the next business day. A virtual card is a one-time card number generated to deliver your payments quickly and securely. In the case that a biller is not capable of receiving payments electronically, payments will be made by paper check.
Where can I find my payment history?
Payment history can be accessed from your Checking account under “Recent Transactions” by selecting “View All.”
Can I change a payment after it has been scheduled?
Customer Service is available at 800-655-2265, 8 a.m.-11 p.m. ET, 7 days a week during the offline period to assist with viewing your payments. Please note previously sent payments or those already in processing status cannot be canceled. After the Bill Pay update, if your bill payment is still pending and has not started processing, you can cancel it by signing in to your Capital One account and selecting that payment in the “Scheduled payments” area above your “Billers” list and selecting “Cancel payment.”
How do I cancel a payment?
If your bill payment is still pending and has not started processing, you can cancel it by selecting that payment in the “Scheduled payments” area above your “Billers” list and selecting “Cancel payment.”
How can I protect my account from fraud and scam?
Fraudsters may take this opportunity to pose as Capital One employees in an attempt to gain access to accounts. Please note that we will never reach out to you asking for sensitive information or asking you to send money to someone else or to yourself.
Data information and security
After migration, there may be some rare occasions in which certain special characters are no longer displayed as part of your biller’s name or nickname.
Please visit our account disclosures page here to learn more.
Troubleshooting
One or more of my payments took longer to deliver than I expected. What happened?
Although Bill Pay supports payment to thousands of billers electronically, some billers only accept payment by paper check. Check payments may take up to five business days for delivery. Additional processing time may be added based on individual biller requirements for processing checks.