Easily manage your accounts payable process with your Capital One Business account and pay vendors by card—even the ones that don't accept them. Check to see if you're pre-approved for a card without impacting your personal credit score.
Accounts Payable with Capital One Business Cards
A better way to manage your accounts payable
Pay your way
Send payments by card, ACH or check—even to vendors that don’t accept cards.
Pay vendors their way
However you choose to pay, your vendor will get paid the way they choose.
Earn more rewards
Earn unlimited rewards when you pay vendors with your Capital One Business card.
Protect against fraud
Fraud protection is built in for every payment. We keep your bank details private and your payments secure.
Manage AP from 1 account
Manage your accounts payable process by sending and tracking payments directly from your Capital One Business account.
Sync with Quickbooks
Connect your Quickbooks Online account to sync your bill pay and accounting software.
Frequently Asked questions
1.
Is there a sign up or subscription fee for this feature?
There are no sign up or subscription fees for this feature!
2.
How can I access this feature?
You can access this feature directly within your Capital One Business account.
To get started, sign in to your Capital One account, click on Manage Accounts Payable and access your bill pay dashboard.
3.
What payment methods can I use to pay vendors?
You can pay your vendor bills with your Capital One Business card or any bank account or debit card. Then you can choose to send your vendor a virtual card, ACH or check payment.
Accounts Payable has both paid and free offerings. Review below to see your different payment options and their associated fees.
| I want to pay by: | VIRTUAL CARD DELIVERY* | BANK TRANSFER DELIVERY | PAPER CHECK DELIVERY |
|---|---|---|---|
| Credit card | 0% | 2.9% | 2.9% |
| Bank account | N/A | 0% | 0% |
| Debit card | N/A | 2.9% | 2.9% |
* A virtual card is a unique card number linked to your physical card. In Pay Vendors, your virtual cards are securely emailed to your vendor and can only be used once for the exact amount sent.
4.
Who can I contact if I need help?
If you have any questions, please call us 1-800-867-0904 to speak with an experienced customer service representative.
Eligibility for this capability is dynamic and may change.
Rewards claims subject to product type. Not all products earn rewards. See your product terms and conditions for more detail.
Rewards claims subject to product type. Not all products earn rewards. See your product terms and conditions for more detail.
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When you use your Capital One Business card to send a check or ACH to your vendor, there's a 2.9% processing fee.