What is the CAPITAL ONE* AUTO PAY charge?

Capital One Autopay Billing Overview

An entry labeled CAPITAL ONE* AUTO PAY on your checking or savings account statement is an automated electronic payment processed by Capital One Financial Corporation. This transaction is an ACH debit scheduled to pay down your balance on a Capital One credit card, such as a Venture, Quicksilver, or Savor card. Rather than being an unexpected fee or merchant purchase, this line item represents a Capital One Credit Card Payment that transfers money from your linked bank account directly to your credit card balance. The debited amount is variable and can range from a $25.00 minimum payment up to your full statement balance, depending on your autopay preferences.

This payment posts automatically each month on or around your credit card payment due date if you enabled automatic payments in your online banking profile. Common triggers include scheduled recurring pulls for a personal consumer card or an automatic settlement on a Capital One Spark Business credit account. If you set autopay to deduct your full monthly statement balance, the debit amount changes each billing cycle based on your recent card purchases. Cardholders often discover this entry when an automatic payment runs unexpectedly because they forgot they turned on autopay during card activation or when opening the account.

To confirm the payment details, log in to the Capital One mobile app or capitalone.com and check your credit card transaction history. You should see a corresponding payment credit for the exact dollar amount posted to your credit card ledger. If the withdrawn amount caused an overdraft or if you prefer to make manual payments instead, you can edit or turn off autopay in your account settings. Keep in mind that changes must be submitted before 7:00 PM Eastern Time on the business day prior to your scheduled payment date. If you do not own a Capital One card and believe someone linked your checking account without authorization, alert your bank immediately to stop the ACH transfer and place an unauthorized debit dispute.

• Scheduled automatic monthly payment for a Venture, Quicksilver, or Savor card
• Automatic settlement for a Capital One Spark Business credit account
• Recurring payment setup via the Capital One mobile app or web portal

Managing Capital One Payments

You can modify or cancel automatic payment schedules at any time through the Capital One mobile app or online banking portal at capitalone.com. Navigate to your card dashboard, select your payment settings, and adjust your preferences to switch between the minimum payment, full statement balance, or a fixed custom dollar amount.

Submit any changes to your automatic payment settings at least one business day before the scheduled transfer date. If you make a manual one-time payment close to your autopay date, check whether your autopay is set to adjust automatically to avoid a duplicate withdrawal from your checking account.

1. Log in to the Capital One mobile app or capitalone.com.
2. Select the active credit card account.
3. Tap "Manage Autopay" to adjust the payment date, bank account, or payment amount.

Frequently Asked Questions

Here are answers to frequent questions regarding Capital One automatic payment clearing times, cancellation deadlines, and accidental double debits.

Part of a family

CAPITAL ONE* AUTO PAY is one of the Capital One statement codes and Discover Bank statement codes and U.S. Bank statement codes and PNC Bank statement codes and Truist Bank statement codes and Charles Schwab statement codes and Fidelity Investments statement codes lines — see the whole family decoded.

Verified sources

Every claim on this page is checked against official sources — open them to confirm before you call your bank.

• Capital One Autopay & Payment Terms https://www.capitalone.com
• CFPB Credit Card Autopay Guidance https://www.consumerfinance.gov