About Capital One Merchant Services
Overview
Capital One Merchant Services is the payment-acceptance offering of Capital One bank, marketed primarily to small and mid-sized business customers of Capital One. Day-to-day processing, equipment, and customer support are provided through a long-standing partnership with Worldpay (formerly a subsidiary of FIS, sold to Global Payments in early 2026), with Capital One acting as the relationship and account-provider front-end.
Products & Services
The service supports in-person, online, and over-the-phone payment acceptance. Hardware and software options reported include smart countertop terminals, mobile card readers, virtual terminals, and hosted web payment pages. Accepted payment methods include major credit and debit networks (Visa, Mastercard, American Express, Discover), EMV chip cards, contactless payments such as Apple Pay and Google Pay, PayPal, and gift cards.
Pricing
Processing Rates
Capital One Merchant Services does not publish a full rate schedule on its website. Reported rates from user reviews and expert content describe a tiered structure with approximately 2.55% plus $0.15 per in-person transaction, 2.90% plus $0.30 per online transaction, and 3.45% plus $0.20 per keyed-in transaction. Merchants are also responsible for interchange and card-brand assessment fees in addition to these markups.
Monthly and Annual Fees
Reported recurring costs include a monthly minimum fee of up to $30 when a merchant's monthly processing volume does not meet a threshold, a monthly PCI compliance fee reported in the range of $15 to $25, and an annual PCI fee reported at approximately $69.
Contract Terms
The standard contract is reported to run three years through the Worldpay partnership, with one-year automatic renewals unless the merchant submits written notice of non-renewal within the final three months of the term. Early termination fees are reported to range from approximately $95 to $495 depending on when the cancellation occurs during the contract.
Contact
Ownership/Leadership: Richard Fairbank (Chairman and CEO, Capital One Financial Corporation)
Address: 1680 Capital One Drive, McLean, VA 22102
Phone: 866-343-8447
Website:capitalone.com
Recent User Reviews
Had my card for 3 years, I’ve never missed or been late a single payment. They will not increase my $300 limit, but are more than happy to charge me $30 for going over my limit by $2. But if I tried to go over my limit $100 they declined it. There’s also a yearly fee of $60. I’ve likely paid $300 just in fees since I’ve had this card. They’re a horrible company that wants to charge you fees rather than being a high quality credit company. I wouldn’t recommend capital one to even those with the worst credit cuz that’s who they are trying to entrap. I’d recommend Canadian Tire and American Express are far beyond better. Do not do business with these shysters. I imagine most of these ratings are fake and paid for by capital one.