“Can a monoline SMB credit card become the primary financial operating system for small businesses on both sides of the Atlantic?”
Founded 2012 in London as an SMB credit card provider, Capital on Tap has scaled to 200,000+ businesses and £10B+ in card spend. Product remains focused on a revolving credit business card, but the platform has broadened into embedded spend management, accounting-connected expense controls, and — since 2025 — embedded savings via ClearBank. International expansion into Spain (2020) and the US (2021, via WebBank) diversified the geographic and regulatory footprint.
Capital On Tap discloses ClearBank as its banking provider, with WebBank as its sponsor bank, according to the Embedded Finance Index 2026.
Capital On Tap does not disclose a bank charter of its own; its banking services are provided through WebBank.
Capital On Tap processes payments through Stripe.
Capital On Tap's cards are issued through Marqeta on the Visa network.
Capital On Tap's lending and capital products are provided by Capital on Tap (in-house) and WebBank.
Capital On Tap connects to bank accounts through Plaid.
Capital On Tap uses Stripe for FX and cross-border payouts.
Capital On Tap integrates with Xero, QuickBooks, Sage and FreeAgent.
The Embedded Finance Index 2026 maps 11 layers in Capital On Tap's stack: Payments / PSP (Stripe); Banking / BaaS (ClearBank); Card issuing (Marqeta); Card network (Visa); Lending (Capital on Tap (in-house), WebBank, UK business credit card (revolving credit up to £250,000), US business credit card (revolving credit up to $50,000) and 1 other); Open banking (Plaid); Unified APIs (Codat); Sponsor bank (WebBank); FX & payouts (Stripe); Accounting (Xero, QuickBooks, Sage and FreeAgent); Spend / AP (Capital on Tap (in-house)).
Capital On Tap is founded in 2012 and headquartered in London, United Kingdom.
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