Welcome to the New Bill Pay

Capital One Bill Pay puts you in control of 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 payees, you have more options than ever to pay your bills online or by mail.

In just a few steps, make a one-time payment, set up recurring payments and stay on schedule.

1. Sign in to your account on capitalone.com or with the Capital One Mobile app.

2. Select your checking account.

3. Select “Pay Bills” or “Bill Pay,” depending on the platform you’re using.

4. Select “Add payee.”

5. When adding a payee for the first time, we’ll request additional information about the payee and the account.

Adding a payee is the first step in making a payment. Once you’ve added a payee, you’ll be able to make payments quickly and easily, month after month. Adding a payee through our directory allows you to pay bills with a wider variety of options both online and by mail.

If the payee isn't coming up in the search, try an alternate spelling or acronym instead. If you still can't find the payee, you have the option to enter their information manually, and we’ll pay them by paper check.

In some cases we need additional information about a payee account, like your account number, to ensure your payments are correctly received and processed by that payee.

Not all payees 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.

A payee’s address is the address used for paper check payments delivered by mail and can usually be found on your bill statement. When a payee is unable to accept electronic payments, this address ensures a check can be delivered to pay your bill.

To schedule a payment:

1. Sign in to your account at capitalone.com or with the Capital One Mobile app.

2. Select "Pay Bills" or “Bill Pay,” depending on the platform you’re using.

3. Choose an existing payee you’ve added. Payees must be added through directory search or manually before paying a bill.

4. Choose a payment option and fill out the form.

Bill payments cannot be scheduled more than 365 days in advance in the new system.

Only payees found in our directory are registered with Bill Pay to receive electronic payments. Manually added payees will receive a paper check by mail.
 

Note: Selecting a payee from our directory does not guarantee electronic payment. For various reasons, your payment may be sent as a check instead of electronically.

Capital One Bill Pay will deliver payments as quickly as possible. Making payments electronically is our first priority, typically posting within 1-2 business days. 

Payments that cannot be delivered to a payee electronically will be made by paper check and may take 7-10 days for delivery. Additional processing time may be added based on individual payee requirements for processing checks.

Payment history can be accessed in the Bill Pay experience by selecting the “Payment history” tab. You can also find past bill payments in the list of transactions on your account overview page.

Note that past canceled and returned payments were not transferred over from the previous system, but this information will be included in your payment history for future payments. In the new system, returned payments will be shown as sent; however, you can find credits for returned payments in your checking account’s transactions list.

Past payments transferred to the new system do not list the payment method. If you need this information, you can call Customer Service at 800-655-2265, 8 a.m.-11 p.m. ET, 7 days a week.

You may cancel your payment up until 1 business day prior to your payment “send on” date. Payments that have been sent cannot be canceled or modified.

If your bill payment is still pending and has not started processing, you can cancel it by signing in to your Capital One account, finding the payment in your list of scheduled payments and canceling it. Customer Service is available at 800-655-2265, 8 a.m.-11 p.m. ET, 7 days a week to assist with stopping paper check payments.

In the new system, there may be some occasions in which certain special characters are no longer displayed as part of your payee’s name or nickname.

Please visit our account disclosures page to learn more.

Although Bill Pay supports payment to thousands of payees electronically, some payees only accept payment by paper check. Check payments may take 7-10 days for delivery. Additional processing time may occur based on individual payee requirements for processing checks.